23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

My husband and I moved into a new construction home in XXXX of XXXX. At that time, we were told XXXX of XXXX we would have a escrow analysis and have to make up payments for our property taxes as they wouldn't have the correct amount until the middle of XXXX. At closing, they estimated our taxes could be XXXX. We paid about XXXX at closing for taxes based on that estimate. In XXXX of XXXX, we had a tax appraisal and our taxes were in the XXXX XXXX. I called the mortgage company at that time and they said a refund would happen In XX/XX/XXXX for the overage. 

So XXXX comes. Our mortgage has Changed companies XXXX and is now with freedom mortgage in nj. We got a bill for taxes of XXXX and XXXX of XXXX. I called XX/XX/XXXX the mortgage company sent all the info in and was told they would run an analysis. 
Two weeks later we get a message from them saying our taxes are XXXX and our payment starting in XX/XX/XXXX would be XXXX dollars more. I called and questioned this and they were basing the increase off of all the payments made this year which included adjustments which were a XXXX thing. I contacted my township and reviewed the info with them and they assured me my taxes were still in the XXXX XXXX 
I called the mortgage company back and they said they would fix things. I checked what they paid out of escrow while on the phone with them and noticed they paid the taxes for XXXX and the adjustment for XXXX twice. The representative said they didn't make A mistake And I told them I would call the township. I called the township the next day and they confirmed the mortgage company did overpay. They said they wired the money so returning it requires the mortgage company to call. 
I emailed both the township and mortgage company to share the info. I requested the mortgage company to ask for a refund and give us the money back. 
A few days later the township emails me saying the company called them and told them not to refund it but to keep the money. 
I was upset and called the company who said the township couldn't return the money. I asked them to call the township again and they did and the township wrote a check for refund on XX/XX/XXXX. 
So far we have still seen no money though. They said they got part of the money back and once they get it all we can request it back despite them currently having excess funds and sending nothing and it being their mistake. 
In addition to that the proper mortgage payments and tax lines are still not right and I had the tax collector and assessor write them letters with the correct amount for next year. 
This is all extremely frustrating. The mortgage company had told us we would hear back XXXX and nothing has been sent to us and the monthly payments are still increased when our taxes are less. 
I would like our money back asap especially since it was there mistake and I want the payment amount corrected as we paid them excess in XXXX and XXXX due to them still not figuring it out.
Product: Mortgage

Caliber home loans " contacted me by mail to refinance my mortgage they now hold my XXXXmortgage I was put in touch with a loan officer XXXX and before a loan officer XXXX XXXX he told me caliber will add all our credit cards and auto loan and pay them off and add this amount to our new mortgage at a XXXX percentage for 20 years and caliber would pay all costs at closing I would only pay appraisal cost the loan officer told me all was good with the loan and removed XXXX dollars from my XXXX XXXX card caliber drug this out for over 3 months now they said they would not approve loan because of credit limit to high caliber was to pay these off at closing I have contacted you about this earlier but with less information thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint serves as a follow-up complaint to my previous complaint dated XXXX XXXX XXXX. I want to dispute specific records in my credit file that do not belong to me or that I have signed any agreement. The items must be removed to clear my file of erroneous items Ive already included this in my previous Complaint & I am including it again. 
XXXX XXXX XXXX XXXX, CA XXXX Date Updated : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 reporting or other personal consumer reports

TransUnion is continuing to report information that is not verified in according with FRCA section 609 ( c ) ( 2 ) ( e ) and accuracy of the records of the debt as outlined in FCRA section 623. This item was removed from my XXXX and XXXX credit file, but continue to be reported as accurate with TransUnion. I have included evidence for this item deletion and I am confused why this item have remained as verified on my TransUnion report after several disputes. 
I have fulfilled my responsibilities as specified in the XXXX case, XXXX XXXX at XXXX. According to this case law, the consumer must dispute the issue with a Credit Reporting Agency ( CRA ), which then triggers a duty for the furnisher to investigate under the Fair Credit Reporting Act ( FCRA ). TransUnions ongoing willful noncompliance with FCRA section 616 makes it subject to civil liability. I have provided my personal information to confirm my identity. 
XXXX  XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

N accordance with the Fair Credit Reporting act Convergent Account XXXX ACCOUNT NUMBER ENDING IN # XXXX and # 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 : Its also states a consumer reporting agency can not furnish a account without my written instructions!
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my consumer report and noticed that you are reporting an experience related to a line of credit I have with your company.

Pursuant to 15 USC 1681a 2 ( A ) ( 1 ) Exclusions Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject tosection 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between theconsumerand thepersonmaking the report ; The line of credit I have with your company is characterized as utilization on my consumer reports and your company is illegally reporting this experience.

Congress clearly states that the reporting of transactions or experiences between the consumer and the person making the report is not included on the consumer reports. Therefore, you are in violation of 15 USC 1681a 2 ( A ) ( i ) by reporting this experience. 

You have XXXX calendar days to update my utilization to 0 % and/or delete all utilization from my account. Failure to correct this error may result in legal action and seeking monetary damages.

Thank you for prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. You must remove/block any items that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX  XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  ( Original Creditor : XXXX ) XXXX Balance : {$67.00}
Product: Debt collection

The apartments where I was living sold itself XXXX times while I was there for XXXX  years or so. They were poorly ran after the sales, so I decided to move. I gave proper notice and spoke with the front office associates ( manager and leasing agent ) to ensure that everything was good, and that my departing cost were settled. they informed me that it was fine, and that the pre-move out inspection was completed and approved, with no additional charges. Once I loved, I then received a letter stating additional charges for rent and replacing carpet. I had been there for almost over XXXX  years and they said that they expect carpet to stay looking new for 5-6 years or it will be charged to the resident upon their move out ( not informed of this on the pre-move out inspection ). In addition, I was charged for a couple of bags of trash left on the balcony, but on the weekend I was moving, the only trash compactor in the complex was overflowing to the point where it was all in the street. ( a regular occurrence on this property, and I took pictures ). I contact their headquarters and leasing office, yet I received no help. I was treated extremely disrespectful, and told " it is what it is ''. I explained that if they pulled my file that I was never later or delinquent on any rent payments and never had any issues while living there. I informed them that I even had a months deposit that I was entitled to, but they had no record ( since they changed owners and staff like most change their underwear ). I was willing to accept the lost of my deposit if the " bogus '' charges were waved ( even offering to pay for the XXXX bags of trash left ), but they had no interest in this solution. I am attempting to rent a home soon and my realistate agent stated that this would be something that could cause a denied application for rental or an extremely high deposit. I am looking for some resolve, since this is something that has further financial implication to myself and my family. Please let me know if there is anything else you need from me. Thank you.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA subsection 605b ( 15 U.S.C 1681 c-2 ) that you, TRANSUNION credit reporting agency, block information appearing on my consumer credit report that is result of identity theft an fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, an false information consists all are listed XXXX XXXX XXXX XXXX XXXX below.These accounts have resulted in several fraudulent collections appearing on my consumer XXXX credit report I attached a list of the aforementioned accounts, collection accounts, I do not recognize the aforementioned accounts, collections as reported. The aforementioned accounts, collections appearing on my consumer credit report maintained by you were not opened, made, or initiated by me.All of the aforementioned accounts, collections accounts are the result of identity theft and fraud.I have attached a copy of FTC identity Theft Criminal Complaint # ( XXXX ) as proof from US FEDERAL TRADE COMMISSION that all of the aforementioned consumer credit accounts, collections are the result of identity theft and fraud. 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 XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 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: Checking or savings account

( XXXX XXXX XXXX ), ( XXXX ), ( XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Chex System consumer reporting agency, block intormation appearing on my consumer report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal checking account opened at XXXX XXXX XXXX on XXXX. XXXX.I am writing to request an investigation of the following fraudulent accounts and inquires I have NEVERED opened or usd the accounts listed below I'm requesting the following information to be deleted from Chex Systems consumer report immediately I attached a copy of my report to this request The accounts consist of an bank account opened at XXXX XXXX XXXX Routing XXXX Account XXXX. Inquiries XXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX.
Product: Debt collection

This is the second time that XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, ( XXXX, XXXX or fax XXXX ) has enlisted Contintenal Credit Control ( CCC ) to pursue payment from me without ever providing a bill to indicating payment was needed in either case. My credit score is over XXXX ( in top XXXX % of Americans ) this does not happen without conscientious attention to XXXX bills. I am about to pursue a loan to fund my portion of an assessment on my condominium and if my credit is harmed due to XXXX malfeasance, I will seek potent remedies. Please help.
Product: Debt collection

I noticed a strange debt on my credit for UNITED REVENUE CORP from XX/XX/XXXX. On XX/XX/XXXX, I called to inquiry about the debt and find away to have it removed from credit. I was told it was the remainder of a hospital bill that was not fully covered by the insurance company. I asked how can I settle the debt. I was offered a 20 % off discount. While discussing the discount, the agent was extremely unprofessional by not answering my questions about how the discount was offered. The conversation lead to me asking for manager. The agent advised the manager was not available to speak to me which lead me to ask how so when she had just spoken with them about the discount. I was told they were closing for the day and needed to end all calls. Then the agent hung up on me. I tried to call back but no one answered the option to speak with an agent. So I called back today, XX/XX/XXXX and got another agent on the line After explaining that I was hung up on yesterday and would like to resolve the account XXXX she told me I have to pay the full amount and the discount was no longer available because it wasn't paid on XX/XX/XXXX. I explained again that the agent who offered the discount was unprofessional and hung up on me and I asked for the manager. I was told the manager was the only manager and was not available due to speaking with an insurance company. She asked for my contact information to get a call back. While inquiring about how long it will take for a call back this agent proceeded to be just as unprofessional, badgering and belittling me because of the debt. I explain that I had no idea this was on my credit as it started to report in XX/XX/XXXX. She kept speaking over me and when I asked her did she have my phone 5 times she hung up on me too. I immediately called back and got a third agent. I explained to her what was going on and she kept me on hold for too long without addressing the issue. I called out to see if she was still on the line and she finally acknowledge me. She didn't try to address my concerns at all. She said because the last rep was getting me a manager I needed to wait for the call back. I asked her was there a phone number listed there. She called a phone number that I haven't had in over 1 year. I gave her the correct number and asked for to be transferred to someone higher than the manager since the manager is unavailable with no estimated time for a callback. That request was totally ignored by the agent continuing to tell me the manager will call me back. I asked her why she wasn't addressing my question. She told me to have a nice day and the line went silent. After no response to my numerous questions for 2 minutes I ended call and proceeded to write this complaint. It seems this company trains their agents to be unprofessional to the consumer who is trying to pay them.
Product: Mortgage

I received a notice from the XXXX  general attorneys office that XXXX  tracking may have occurred from my current mortgage servicer while I was waiting for loan modification a XXXX was being processed by servicer at the same time.
Product: Checking or savings account

3rd month that I am waiting 5 days for my paycheck due to B of A 's new policy that is illegal and actually is not following banking guidelines. See guidelines below. Check coming from same account at same time for 4 years with no issues- like a paycheck should be deposited by next day no issue. 

Funds from check deposits are supposed to be available by the business day after the date of the deposit ( Regulation CC, Section 229.10 ). There are however exceptions that may cause a hold to be placed on the check ( Regulation CC, Section 229.13 ), but the reasons for an exception are clearly stipulated, and none of them apply to my situation, account, or the check in question. BOA, in line with the exception rules states in their Deposit Agreement and Disclosures document ( page XXXX ) that they reserve the right to place a hold on check deposits if : We believe a check you deposit will not be paid You deposit checks totaling more than {$5000.00} on any XXXX day You redeposit a check that has been returned unpaid You have overdrawn your account repeatedly in the last XXXX months There is an emergency, such as failure of communications or computer equipment If these issues are not present, they have not right. What they are actually doing is Usery- they are using our money illegally. 

You have again allowed the bank to put the burden on the people instead of making banking institutions accountable for their shoddy practices. With interest being high they now think that we should wait to feed our families and pay our bills so that they can, a second time, ruin our way of life to make money. 
When is anyone going to step up and fine banks for every mistakes/theft that they make. 
There have been no consequences so far to bad business for banks - how about we change that.
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. 

XXXX XXXX # XXXX {$430.00} XXXX  XXXX # XXXX {$470.00} XXXX XXXX  # XXXX {$200.00} XXXX # XXXX {$390.00} XXXX XXXX # XXXX {$1600.00} XXXX # XXXX {$850.00} XXXX XXXX 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, credit repair services, or other personal consumer reports

I have had issues with Navient for several years. They were mandated to remove payment histories from my bankruptcy XXXX from XXXX/XXXX/XXXX back to XXXX and still state they dropped the ball and these have n't been removed from my credit report. Only XXXX acct. They refuse to remove the XXXX student lian that was discharged.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit reporting agency EXPERIAN has acknowledged and admitted to receipt and delivery of the Identity Theft Report provided by the consumer on XX/XX/XXXX @ XXXX and now must comply with the Fair Credit Reporting Act [ 15 USC 1681c-2 ] by blocking the unauthorized information reported by the consumer no later than XX/XX/XXXX. However, EXPERIAN has FALSELY ALLEGED that all documents required to be submitted with the Identity Theft Report have not been supplied by the consumer. This statement is IN FACT FALSE as the consumer has certified evidence that all required documentation has been delivered pursuant to Fair Credit Reporting Act [ 15 USC 1681c-2 ] by way of USPS Priority Express Mail XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX at XXXX. I have provided all pages of the FTC Identity Theft Report including validation that the report has been filed with the appropriate Federal Law Enforcement ( FTC ), as well as documentation verifying the my Identity, Address, Date of Birth, and Social Security Number in accordance with the Fair Credit Reporting Act. 
EXPERIAN is now required by Federal Law under the Fair Credit Reporting Act section [ 15 USC 1681c-2 ] to send all required notifications to all furnishers of the referenced account information and to BLOCK from reporting the following unauthorized account : UNAUTHORIZED ACCOUNT MUST BE REMOVED NO LATER THAN XX/XX/XXXX : CREDITOR : XXXX XXXX XXXX XXXX XXXX CREDITOR XXXX : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX ACCOUNT NUMBER : XXXX ACCOUNT TYPE : COLLECTION DATE OPENED : XX/XX/XXXX AMOUNT DUE : {$27000.00} & {$27000.00} ORIGINAL CREDITOR : XXXX XXXX CREDITOR PHONE : ( XXXX ) XXXX
Product: Credit card

I had a Chase Sapphire XXXX card for many years and accumulated XXXX points. Chase recently closed my account, now stating I have XXXX points. This is a material sum of money I accumulated over years and should not forfeit. 

Chase also continue to advertises for many different products & services after closing my accounts and not allowing me to open or reinstate any accounts.
Product: Mortgage

Attached to this message is a XXXX Real Estate Installment Quarter XXXX payment due from the XXXX XXXX XXXX Collector. Per the bill, the quarterly payment is due by : XX/XX/XXXX in the amount of {$740.00}. UHM is the mortgage servicer of record for account number : XXXX. As of today, the escrow account has a balance of : {$2900.00}. Therefore, payment should be made in a timely manner.