23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I am a Service XXXX XXXX XXXX  Veteran at present existing on Subsistance Funds. I discovered on XX/XX/2019, that Navy Federal Credit Union ( NFCU ) had on XX/XX/2019, removed {$1700.00} of Chapter XXXX protected/exempted Veterans Benefits monies from my checking and savings accounts. An attempt to retrieve monies I owe for debts lost due to my being defrauded. I contacted NFCU about the problem and was told to provide proof of Protected Funds. While doing so, on XX/XX/2019, NFCU captured and removed another {$2600.00}, Chapter XXXX protected/exempted subsistence check, totaling {$4400.00}. 

That was coming back to me from the college I attend under the Chapter XXXX Veterans program. I faxed 3 letters of proof of Protected/Exempted Funds. In addition to calling again and speaking with the LCR Department Customer Service person XXXX, then her Supervisor, XXXX, a third time. Where I was told the only way I could retrieve my funds was to agree to turn over my entire protected monthly subsistence check. Then she would only return a small portion of what was taken. 

Then when I requested to speak with a Manager. XXXX told me that the only person of stature I could discuss this with was herself. Even with a letter from the Attorney of my having filed Bankrupcy, and another letter from my Veterans Representative expressing my Chapter XXXX status and the school of attendance. Both provided contact information for any additional and necessary information. XXXX refused and said she was not going to refund to me any amount. 

This was on my fourth call back after being promised a return call from XXXX twice. Including my being hung up on twice.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I am launching this complain because I feel like you are my last resort before filing a law suit against the credit bureaus. I am a victim of identity theft. I have sent the bureaus a copy of my fraud affidavit packet, my police report and my notarized statement- its no use after 6 months I have not received a response and/or the accounts remain on my credit. I hope they will respond to you and we can get this resolved if not I will be filing a law suit with the federal courts. 

XXXX XXXX FKA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX 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: Credit card

On XX/XX/XXXX I attempted to pay the balance on my credit card. Unfortunately, the payment center on the website had been offering two payment options, one for the active card I was trying to pay, ending in XXXX and another for a card, ending in XXXX, that I had not used in XXXX years that had in fact been cancelled by Bank of America XXXX On XX/XX/XXXX, I accidentally applied my payment to the closed account ( XXXX ), and the system did not reject it, despite the closed account having a XXXX balance. I noticed the problem the next day, at which time the Bank of America website showed the payment as processed for the closed account ending XXXX. See enclosed Document XXXX. 

I called customer service on XX/XX/XXXX, and after navigating a poorly designed phone system and being on hold on multiple lines for about XXXX minutes, I finally reached an agent. He could not see the payment on the closed account or any record that it existed. He was not able to cancel the processed payment but said, since there was no account to which the payment could be applied, it would not be deducted from my checking account. He did consult with a supervisor, who removed the closed account as a payment option so the problem could not occur again in the future. 

Reassured that the payment would not be deducted from my checking account, I went ahead and paid the correct account in the same amount of {$180.00}. See enclosed Document 2. 

I learned on XX/XX/XXXX that the amount of {$180.00} was paid twice to Bank of America from my XXXX checking account. See Document XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I DEMAND TO KNOW THE REASON/S AS TO WHY THE XXXX XXXX XXXX XXXX  ACCOUNT STILL REMAINS REPORTING NEGATIVELY UNDER XXXX AND TRANSUNION.

XXXX WAS ABLE TO GET IT REMOVED SINCE I STARTED DISPUTING THE INACCURACIES ON : XX/XX/2019, THEY COMPLETELY DELETED THE ACCOUNT FROM MY REPORT ON XX/XX/2019. THIS ACCOUNT REMAINS CHARGED OFF WITH A HIGH BALANCE AND IT IS TRULY HINDERING THE OVERALL HEALTH OF MY CREDIT SCORES. XXXX MANAGED WASH OFF THE ACCOUNT BECAUSE THERE IS NOTHING VERIFIABLE, ACCURATE NOR COMPLETE ABOUT IT. ONCE AGAIN, NEITHER XXXX NOR TRANSUNION HAS RESPONDED BACK TO MY DISPUTES, THIS IS GETTING RIDICULOUS. AS A CONSUMER I AM AWARE THAT NONE OF THE INFORMATION DISPLAYED ON THIS ACCOUNT IS VERIFIABLE ( FCRA ). PLEASE ASSIST ME AT GETTING THE ACCOUNT REMOVED COMPLETELY FROM ALL REPORTS.
Product: Debt collection

Received several phone calls on XX/XX/2023, I answered the phone to blank air 3 times, and once got a recording @ XXXX pm. I waited on the line and finally pushed enough buttons to get someone from " Check and Go '', a title loan company. I asked who she was and what company and had to drag the information out of the caller. I ask for something in writing because I have never heard of the company. She said she didn't have to send me anything. I asked several more times for something in writing and she refused. She didn't want to verify the business name, the debt amount and would not give me any more information. She pressured me to answer question requiring a " yes or no '' and I refused. She finally hung up after I demanded something in writing to verify the company/debt and she hung up.
Product: Debt collection

I am writing to formally dispute the presence of fraudulent charges and collection accounts on my credit report, which are negatively impacting my creditworthiness and causing distress to my mental health. I recently obtained a copy of my credit report from your bureau, and upon careful review, I discovered several items that are inaccurately reported. 
I am a victim of identity theft, and I have taken the necessary steps to report the fraudulent activities to the relevant authorities. However, I am deeply troubled to see that these fraudulent charges and collection accounts remain on my credit report, despite my status as a victim. 
Below are the details of the disputed accounts : XXXX XXXX XXXX XXXX have already removed this account from their records. There was an error present & they were able to find it. I'm confused how you've verified it while the other bureaus have removed. Please delete this from my file. It is inaccurate, erroneous, incomplete or unverifiable. 
XXXX XXXX XXXX XXXX have already removed this account from their records. There was an error present & they were able to find it. I'm confused how you've verified it while the other bureaus have removed. Please delete this from my file. It is inaccurate, erroneous, incomplete or unverifiable. 
I request an immediate and unexempted removal of these fraudulent charges and collection accounts from my credit report. The inaccuracies in my credit report are not only affecting my financial standing but also causing undue stress and anxiety. As a law-abiding citizen, it is disheartening to face the consequences of identity theft when I am the victim.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX is furnishing account information to EXPERIAN and XXXX regarding an account which I have no knowledge of. I have never done any business with the company and have never signed any contracts with the company. 

The company has obtained my personal and financial information without my consent and is using my information without my consent. 

I contacted the company via CFPB to cease utilizing and furnishing my personal information. They have responded and agreed. 

Their response is attached to this complaint.
Product: Mortgage

I closed with TD Bank on my refinance on XX/XX/XXXX, loan number XXXX. 

On the closing disclosure I was quoted a monthly payment of {$2400.00} including escrow of {$1200.00}. The closing disclosure noted quarterly property taxes of {$3300.00} and annualized hazard insurance cost of {$1800.00}. I prepaid {$2400.00} into escrow and made monthly payments of {$1200.00} starting XX/XX/XXXX. 

We are now 13 months into the mortgage, and TD has sent me a notice indicating an escrow shortfall of {$3200.00}. My quarterly taxes have gone up only $ XXXX and my hazard insurance has gone up only {$54.00} annually. 

My total payments into escrow from closing through XX/XX/XXXX were {$17000.00}. TD 's total expenditures for that period were {$16000.00} ( which included three extra months of hazard insurance to adjust from XXXX through XX/XX/XXXX ), so as of XX/XX/XXXX the escrow should have a positive balance of {$1700.00}. TD projects expenditures of {$15000.00} during the next escrow cycle and payments of {$15000.00}. 

I understand the need to cover the shortfall of about {$830.00} between the {$1700.00} positive balance as of XX/XX/XXXX and the required reserve balance of {$2600.00} but TD doesn't appear to be able to explain the additional {$2400.00} that it wants to collect for XXXX. I have contacted TD three times on this and the third time I was told that TD needs to start collecting this amount against the XXXX hazard payment due in XX/XX/XXXX, so in effect they are collecting three years of hazard insurance in two years of escrow payments. 

The requirement to escrow an extra year of hazard insurance premiums in the first two years of the mortgage in addition to maintaining a continuous two months ' cushion, was never disclosed and seems like it should have been. If this is not a requirement, TD has made a mistake they refuse to acknowledge.
Product: Credit reporting, credit repair services, or other personal consumer reports

FedLoan Servicing reported me. in XXXX of 2020, 90 days late on TEN Accounts without written, telephone or email notification. 
Attached is a letter describing the events. The letter was sent to FedLoan Serv.
Product: Credit reporting

Incorrect reporting of my status by Transunion The status under federal law needs to be reported as Mortgage included in Bankruptcy. 

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX Mortgage Loan # XXXX United States Bankruptcy Court for the XXXX District of Florida Bankruptcy Chapter XXXX Case Number XXXX Filed XXXX Debtor : XXXX XXXX XXXX SS # XXXX Transunion needs to correct my account status as Mortgage included in Bankruptcy.
Product: Debt collection

I have a car loan and I was out of work for six months living off my husband 's social security and retirement. I was two months behind. I kept receiving calls and messages saying they understood about getting behind and that they were there to help me. When I called the first time I only had a temporary position, so they couldn't help me. The second time I called, I had just gotten a full-time job starting on XX/XX/2023, and I made payments arrangements with them to catch up one month, and all payments were made and on time. During that call they told me I could ask for a deferral to have the other payment placed at the end of my loan, which would get me back-on track and current. Until I lost my job, I made all my payments on-time. I requested they submit a deferral, which they did, then I started getting calls, saying I still owed them a full payment and they had not received a payment made on XX/XX/XXXX, which my bank showed me was processed and learned the deferral was declined and I was never notified. No reason was given as to why the deferral request was declined. I requested a second deferral and asked them not to call me for at least a week, but continued to get calls. Every time I call and ask for assistance their response is you need to make the full payment. No options are given, they never notify me if my deferral has been granted or declined. I am still receiving 4 to 5 calls per day leaving me messages that they want to help me. I was so tired of the calls and the lies, I left a complaint on their website. I explained why I was behind and that unless my deferral was granted, I wouldn't be able to be on time, until I could find a way to make the full payment, as I was getting caught up with other bills which had accumulated while I was out of work and unable to claim unemployment insurance. I told them in the complaint that I would no longer accept their calls and they could communicate with me via email. I keep asking why my requests for deferrals are being denied, the response I get is, " I don't know, they don't tell us why. ". There has been no response regarding my last deferral request and the constant calls continue several times every day and night!
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Balance : {$0.00} ; XXXX ( Original Creditor XXXX XXXX XXXX XXXX  ) XXXX Balance : {$240.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance XXXX {$11.00} ; XXXX ( Original Creditor : XXXXXXXX XXXX ) XXXX Balance : {$680.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$290.00} XXXX XXXX XXXX Balance : {$0.00} 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Due to XXXX security breach My personal information an identity has been compromised and used open credit cards accounts and loans to obtain goods in my name I would like the fraudulent accounts in my name removed from my XXXX credit due to XXXX  security breach that took place on XX/XX/XXXX XXXX XXXX Amount XXXX Date opend XX/XX/XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My Credit Score should be XXXX  at XXXX Exquifax and XXXX. I feel I am by Discriminated against because I am XXXX American.  I feel all three credit Reporting agencies are giving me  low scores to keep me, from getting loans at a decent interest rate. I want an investigation into all three reporting agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute with Experian successfully yesterday. It was a simple deletion of incorrect previous address. I was notified by email the dispute was resolved and verified it. However when I looked at my score it dropped by 8 points. I have lived at my current address for 10 years and my previous address for 5 years. Nothing on my credit report has changed. All my accounts are current and never a late payment. Nothing changed on XX/XX/XXXX from my previous score update, other than filing the dispute. The other 2 credit reporting bureaus have actually raised my score by 6 points each, in the last week, so the only possible reason for the score and credit worthiness drop was from filing the dispute. It was my understanding this should have no reflection on my score, yet an 8 point drop in one day is horrible and I want it corrected.
Product: Checking or savings account

On XX/XX/2022 I received a grant from my XXXX for XXXX $ from XXXX. And I informed my bank that I was expecting these funds to come available and that I needed them to be available to me due to a housing emergency and other coinciding events that have progressed. They used the funds before I could even get an alert that they had been used to pay back a provisional credit which had been reversed within minutes after receiving the already delayed payment for Temporary Assistance for Families in Need from the American Rescue Plan grant I received
Product: Credit card or prepaid card

My last appeal for you to make sure you offer me employing the information as to who you talked to such as the addresses and names of the person or persons reached has regrettably never be achieved. At this moment I'm thinking about court action and have started the process of contacting legal " aid ''. I'm requesting for one final time that you still have me having the information which has been already needed and also please render me with a duplicate of the arrangement finalized or voice discussion where I settled billing me with this account.
Product: Debt collection

Received a call from someone claiming to be a process server representing a lawyer with XXXX XXXX XXXX. When i returned the call, they said they were the " litigation department ''. They said I owed money from an old card, would not tell me when the card was opened or closed, and told me that I had waived my statute of limitations when I signed up for the card by a " tolling agreement ''. They then said I would be served with a summary judgement and my wages would be garnished. They refused to send any verification, and they said that they were not required to disclose any information to me until " the discovery phase ''. They had personal information about me including my name, address, and the last 4 digits of my social, which they read to me but never required me to actually verify my identity, and never stated it was an attempt to collect a debt.
Product: Mortgage

My loan was sold to XXXX in XX/XX/XXXX who subbed out the servicing to LoanCare. I have made over 10 phone calls and multiple emails to get them to accurately set up my loan and the only person they will let me talk to is a customer service rep who is limited in their actions. XX/XX/XXXX was the cut over date and the original bank ( XXXX ) sent them the wrong property tax bill. Easy fix I think, well here we are over 60 days later and its still wrong. The first analysis they did at my request the ended up sending us an {$800.00} check for the excess escrow funds. I requested a second analysis on XX/XX/XXXX since the first one was incorrect and I sent them the correct property tax bill and made subsequent phone calls to get an update. No update, lots of promises that a supervisor will call me, that the issue is expediated. Same scripted responses from each customer service rep and those are the only people you can talk to. Email responses are simply canned emails that assigned a ticket number. Well, I have never received the promised call backs or a solution. Today I look at the account online and I see not only did they not make the correction of the property tax they increased my monthly payment. In addition they are going to be sending out my property tax payment which will pay a a year and a halfs payment! What in the world? This is the most inefficient company with the absolute worse customer service available. I am a borrower who has received nothing but a run around and now I can only think of legal action to get this done so I can refinance and LOANCARE pay the costs. I am an office manager for a law firm and looking closely at my options. It 's not rocket science to have this done correctly. My property taxes are reduced to {$510.00} a YEAR due to my husband being a XXXX vet ( A TERRIBLE WAY TO TREAT A VETERAN ) and this company show our taxes at {$2300.00} a year plus are getting ready to send the county over {$1300.00} as XXXX of the payment. How in the world could they have come up with a payment increase when clearly my payment should be decreased and we are due another refund. This company is hanging onto OUR MONEY, it is not theirs but obviously they are using my funds. Let me make this easy : Here is the breakdown : Mortgage {$750.00} Taxes XXXX ( {$510.00} annually divided by XXXX ) rounded Ins XXXX ( {$770.00} annually divided by XXXX ) rounded TOTAL MONTHLY PAYMENT : {$850.00} How in the world does that add up to {$1000.00} dollars a month? Does n't matter what I do I can get this corrected!!!!! 

TAX BILL EXCERT : FIRST INSTALLMENT DUE SECOND INSTALLMENT DUE XX/XX/XXXX XXXX XX/XX/XXXX XXXX TOTAL TAXES DUE XXXX LOAN CARE CLAIMS : Payment Amount {$1000.00} Home Owners Ins : XX/XX/XXXX {$770.00} ( they got this correct, but it is the only thing correct ) COUNTY TAXES SemiAnnual XX/XX/XXXX Payment {$1300.00} TOTAL TAXES {$2600.00}
Product: Debt collection

In answering CFPB Complaint XXXX on XX/XX/2018, XXXX XXXX stated that " they had updated the disputed status of the account and suspended collection efforts in their office. '' On XX/XX/2018, XXXX XXXX broke their agreement and initiated collection efforts once again on a time barred debt. 

Not only does this company not comply with the laws of the FCRA and what they report to the Credit Reporting Agencies ( CRAs ) but they break their agreements with the CFPB.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, The account listed below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. This reporting account is fraudulent, the consumer name they are reporting is NOT ME and NOT MY NAME. Account name : XXXX # XXXX has violated my rights. 15 U.S.C 1681 Sec. 602 ( A ) states I have the right to privacy. 15 U.S.C 1681 Sec. 604 ( A ) ( 2 ) states a consumer reporting agency can not furnish an account without my written instructions. Account name : XXXX # XXXX negatively reporting on my consumer file violates my consumer rights. I looked at my Equifax credit report on XX/XX/year> and noticed some incomplete, inaccurate, and negative reportings. 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 according to 15 USC 1681 ( e ) ( b ). According to 15 USC 1681 ( 5 ), they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information. ( A ) In general, lf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. According to 15 USC 1681 ( s ) ( 2 ) they are not legally permitted to 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. According to 15 U.S. Code 1681c ( a ) no consumer reporting agency may make any consumer report containing these items of information