23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Current mortgage payment for XX/XX/XXXX has been taken, placed in a suspended account but not applied to XXXX mortgage dispite that it is the full required principle and interest amount due of {$1400.00}, but they claim its a short payment. 
The escrow payment which the overpayment amount of {$1000.00} is also paid and deposited in a new escrow account that we opened specifically to replace the escrow account held by PHH and we sent along with the check, proof of this deposit and a letter explaining the reason that we no longer can trust PHH to hold the escrow account as they have consistently withheld overpayments of escrow and never give back any refund since XXXX. 
An audit to the account revealed that from XXXX the funds that PHH and Ocwen has withheld from overpayment of escrow totaled over {$8000.00} and this year PHH has increased the escrow to $ 1000 monthly to pay for tax and insurance of {$10000.00} which is an overpayment of {$1400.00} that equates to a full mortgage payment and their intent is to keep that amount and not refund it as they have never refunded any overpayment of escrow
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inaccurate reporting of my XXXX  loan debt by XXXX on my credit report. According to XXXX communication dated XX/XX/XXXX, there were {$1000.00} in fees added to my principal amount of {$340.00}. In a good faith effort to avoid negative discrepancies on my credit report, I made a payment of {$340.00}. However, this payment was subsequently reversed by XXXX, resulting in a reported delinquency on my account.
Product: Mortgage

On XXXX 2021 I mailed, via certified mail, return receipt requested, my standard mortgage payment to Bank of America , N.A ( " BoA '' ). ; i.e. the monthly mortgage payment of {$1600.00} and an additional principal payment of {$200.00}, for a total of {$1800.00}. The payment was due on XX/XX/2021 and postal records show the payment was delivered on XX/XX/2021. On XX/XX/2021 I received my XX/XX/2021 statement indicating that I owe current charges of {$1600.00}, past due mortgage of {$1600.00} and a late fee of {$63.00}. 

Re : BoA.Complaint No. XXXX : I contacted BoA ; spoke with XXXX XXXX, After being put on hold for approx.10 minutes, Ms XXXX informed me that Mr. XXXX XXXX stated that my mortgage payment had been applied to escrow, my additional payment toward principal and a late fee assessed. According to Ms. XXXX, he further stated that when payments arrive earlier than due date they are applied to escrow. Totally bogus explanation. I have been a BoA customer for 31 years and always paid my mortgage earlier than due date ; this never happened before. I filed a complaint but do not have any faith that BoA will timely resolve this matter.
Product: Debt collection

On XX/XX/23 I contacted collection agency Medicredit to set up payment plan for account # XXXX. And agent brought another account was to be due soon and was brought up but I focused back on the account I was calling about. And called back and paid my first payment {$56.00} on XX/XX/23 giving this account number # XXXX. New Agent brought up another account that they just received and I explain to them that I am paying the one I am calling about and talking one debt at a time. And I confirmed that the payment will be applied to the right account and he lied to me and said yes. Reason I know he lied is because when I called about making s payment arrangement on the second medical bill collection account # XXXX on XX/XX/23. Spoke to XXXX at ext XXXX. She gave me a lower amount. So thats when I knew they lied and applied my money to the this account with out my permission. Agent said give them until Thursday XX/XX/23 to correct it. So we finished the call. So I called Agent XXXX back at extension XXXX to cancel my second arrangement on # XXXX. I told XXXX XXXX that was shady and I dont trust you all and I am going to report this. They cant do that. They cant take no ones money and apply it where they see fit. Collections dont work that way. She conveniently says she was just about to call me to let me know that they credited my money to the right account. They supposedly record everything. You can listen to my recordings for those dates if needed. Thank you for looking into this and for your time in advance.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account has been disputed and reported in the past due to them falsely adding it the AVANT account back onto my credit report. This has been paid for all the way back into 2019. this account has been closed, never re-opened, the balance is 0. attached are all my court documents proving this, i have sent a letter to each credit bureau with this information and they have still added it onto the report again years later!
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Report. 

This account is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to XXXX and XXXX Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX XXXX  due to their failure to properly validate and verify an account listed on my credit report. This complaint concerns violations of my rights under the Fair Credit Reporting Act ( FCRA ). XXXX XXXX has not provided adequate validation and verification of the debt they are attempting to collect. Despite my formal request, they have not supplied sufficient documentation to substantiate the legitimacy of the debt. This failure to validate and verify the account constitutes a violation of my rights under the FCRA.
Product: Student loan

I have notified Great Lakes multiples times that the account they are reporting on my XXXX  credit file was a result of Identity Theft per the Federal Credit Reporting Act. I mailed them certified letters concerning the issue and asked them to inform XXXX  that this account was a result of Identity Theft. They have failed to do so. I also included a copy of the " Notice to Furnishers of Information '' per the FCRA. I submitted to Great Lakes a copy of my FTC Identity Theft report  and a copy of my police report. This company has failed to remove this Identity Theft account from my XXXX  credit report. Please make sure they adhere.
Product: Credit card or prepaid card

I opened U.S. Bank Business Leverage Visa credit card on XX/XX/2020. I spent about {$13000.00} on the card in three months and earned XXXX points, but US bank closed my card without any valid reason in XXXX. I did nothing wrong in accordance with the terms of the US bank Cardmember Agreement. I called US bank multiple times to get back my XXXX forfeited points, but I received no answer. This is absolutely unacceptable.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XX/XX/XXXX, I received a call from XXXX XXXX XXXX a Texas company, at XXXX XXXX one night demanding that I provide banking information to pay for an unfamiliar debt before the account is added to my credit reports. The lady stated that she could see that the account is not on my credit files, and if I wanted to keep things that way, I would need to pay now, or the account that is not on my report would then be added. I said that I didn't owe anyone anything, maybe you have the wrong person, I am a victim of identity theft, and if she wants to communicate with me, she should do it by mail or email. I asked the lady to mail verifiable proof that the so-called debt is mine, but the lady just hung up in my face. Then, on XX/XX/XXXX, a collection account appeared on my three credit reports. I disputed the account across my credit files. I advised that I didn't have any business with any of the associated companies. I still have no verifiable proof that the debt belongs to me ; in fact, I'm certain that it doesn't. 
Additionally, I remember in XX/XX/XXXXa collection account appeared across my credit reports times before. The reporting collection agencies could not provide sufficient documentation that the debt belonged to me and each credit bureau removed that false collection account accordingly. AND This newly added collection appears to keep being sold from agency to agency because none can substantiate the debt. I'm tired of keep having to prove the same proof this debt does not belong to me. Additionally, XXXX XXXX XXXX  SHOULD NOT HAVE BEEN ABLE TO VIEW MY CREDIT FILES ; I have no business with them. They have several complaints with their areas BBB and other online complaints about fraud and stealing person money and not providing what they had promised to the consumer. I don't see myself paying for something that I do not owe and want this account REMOVED from my three credit files accordingly. The three credit bureaus should start considering the consumer ; I have Locks and freezes, I have even opted out of pre-screened offers, NO ONE should view my reports unless I do business with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was writing to inform you that there are still items are my credit report that are not mine. Please help me to get these items removed from my credit report .I have already contacted my local police and the FTC . I'm also doing this on my own. XXXX XXXX XXXX XXXX, XXXX { XXXX XXXX, XXXX/XXXX, XXXX, XXXX/XXXX, XXXX XXXX.
Product: Mortgage

This complaint corresponds with my XXXX complaint that is causing me legal and financial damages currently due to concealment that Bank of America reversed a payment credit for XX/XX/XXXX on XX/XX/XXXX after accepting and crediting my XX/XX/XXXX payment XX/XX/XXXX through Countrywide 's website, 7 weeks after the payment for the loan and a double billed AAA 2nd bill for homeowners insurance for XXXX for {$2800.00} cleared my checking account XX/XX/XXXX. No payment was ever returned to me for insufficient funds. Upon transfer to XXXX, Bank of America had not ever reported the XX/XX/XXXX or XX/XX/XXXX payments as delinquent or otherwise late in any way to credit bureaus, causing all payments for 44 months to be claimed as 30 days more in arrears than they actually were, and then 9 days after transfer to XXXX including transfer of an entirely unearned returned payment charge, Bank of America reversed the returned payment charge, after telling XXXX I was in arrears 30 days past due for every payment since XX/XX/XXXX causing Nationstar to double charge XXXX for the XX/XX/XXXX payment paid to Bank of America XX/XX/XXXX. XXXX is aware of this and has concealed the Bank of America transaction history Bank of America made available to XXXX and XXXX refuses to refund unearned fees and correct all payment history allocating XXXX to XXXX of XXXX as paid in the month it was charged for, causing premature foreclosure processes to financially damage me while I was trying to sell my home, and leaving XXXX to refuse to correct inaccurate payment allocation after Bank of America refused to correct this grossly erroneous reversal of the XX/XX/XXXX payment credit, made without any refund of the {$1400.00} loan payment made with a double billed homeowners insurance policy already paid XX/XX/XXXX but double billed XXXX of XXXX causing me to be required to paid Bank of America and Countrywide {$2800.00} which I did and the payment was never immediately returned to my checking account after XX/XX/XXXX after it cleared my checking account at all by Countrywide. This inaccurate payment allocation was concealed from me until XX/XX/XXXX and caused XXXX to enter every single payment XXXX XXXX in arrears than they were, causing on time payments to be claimed as 30 days late for 7 years in my credit files because although Bank of America didn't negatively report this inaccurate reversal of my XX/XX/XXXX it caused XXXX to do so without any investigation into my XXXX XXXX disputing Bank of America outrageous claim I had charges for 44 late payments when I did not.
Product: Mortgage

XXXX XXXX XXXX XXXX XXXX NJ XXXX MORTGAGE COMPANY BSI, CARY MY MORTGAGE XX/XX/XXXX TO XX/XX/XXXX TOTAL 23 MONTHS I HAVE XXXX PAYMENT STATEMENT PAY ON TIME BSI DOWN MY CREDIT SCORE TO - - XXXX MY WIFE AND MY SON AND BSI SAID IF WE DON'T XXXX AND XXXX THESE MONTH WE ALREADY PAID MY HOUSE WILL IN FORECLOSURE
Product: Credit card or prepaid card

I was Incorrectly billed during the Dispute process ( XX/XX/XXXX ) on my Lowes Credit Card.

The Error was to be corrected by Refunding me the Over Charged Interest and Disputed Purchase Amount ; according to the XX/XX/XXXX letter from Synchrony Bank. 
I have not received any Refund.
Product: Mortgage

I responded to an ad campaign about HARP loans, just to obtain information on the program. I stated clearly to the individual who called me back, that I was simply seeking information and that I was NOT making an application. He continued to require additional information in order to " give me the information I was seeking ''. They pulled an unauthorized hard credit report from what appeared to be XXXX different companies, each with a different credit bureau, making it appear that I had XXXX hard inquiries, resulting in my credit score declining by XXXX points. I filed a complaint with the XXXX and Quicken has refused to inform the credit bureaus that the credit inquiries were improper, stating that I had provided information that authorized the inquiries, even though I clearly stated that I was not making an application. 

They stated in their response that I requested a Home Equity loan, which I clearly did not.
Product: Debt collection

American Cordius International LLC claims I owe XXXX to XXXX, this account was closed with numerous overdraft fees charged which are in dispute, XXXX would not resolve them. The fees in question were charged after an item was returned, a check in the amount of XXXX from XXXX XXXX. XXXX XXXX placed a stop payment on the check in error, the item caused XXXX account to become overdrawn and fees charged. Stop payment is not my error, however, XXXX refused to credit fees back. Shortly after account was closed with overdrawn balance, a payment was mailed in form of cashiers check from XXXX XXXXXXXX XXXX to XXXX. It appears it was not received and do not have a copy of check to provide, the account it was drawn from is not mine. My bank is not local and had to use XXXX XXXX for payment, a friend used her account to get cashiers check. It appears XXXX did not receive check or possibly credited it to incorrect account, I do not know which occurred. I will not pay again, American Cordius International needs to remove account from collections as well as any credit reporting agency.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, my husband and I were made victim to a real estate closing transaction scam in which we wired roughly {$150000.00} to a title company imposter. We captured the scam within 1.5 hours and reported it to our local Chase bank branch in person. The bank was able to restrict and subsequently close the recipient account due to fraud ( the wire was made to another Chase account ). The bank has evidence of other fraudulent wire activity on the aforementioned account which ultimately led to the account restriction and escalation to closure. We were given a phone number to call to check on the progress of the recall/recovery request as the funds were still in the recipient account upon closure. Thankfully the scammer did not act quickly enough to make a withdraw or transfer. We were told via phone by Chases fraud department that we would be mailed an affidavit to sign and have stamped by a notary. The affidavit was apparently sent via USPS with an expected delivery date of 5-7 business days. As of XX/XX/XXXX, we still had not received the affidavit. That afternoon we called the Chase fraud number again and spoke with a representative who informed us that our claim was closed with no recovery on XX/XX/XXXX. The representative on the phone could not answer why we were not notified of the claim closure or provide any details regarding the decision other than it was not considered fraud. We were then directed to the wire research team who is not currently taking calls and that we can message them via direct chat, secure message, or we can go to the bank and a banker can reach out to them directly. There are no obvious options to reach the wire research team online so we went directly to the bank branch we had been working with. The bank branch was equally perplexed as to why our claim was canceled and indicated we were expected to receive the recovered funds in 24-48 hours from the morning of XX/XX/XXXX. 48 hours lapsed and we still do not have the recovered funds. 

The lack of communication between the bank branch, their back-end teams, and with us is astounding. It is an endless circle of phone calls to support lines that go nowhere. Not a single person involved seems to 100 % understand what is going on with our money- which to my knowledge, is still sitting in a closed, fraudulent Chase account. I am incredibly disappointed and frustrated and will promptly be engaging legal support as we can not seem to find resolution working on our own. While the bank branch has been the most helpful, they are seemingly reliant on all of the same 800 phone numbers that we have been directed to. We filed a police report, with XXXX, with the FBI, and with the FTC. We have done all that has been asked of us and are constantly provided updates that only lead to more confusion, waiting, and disappointment.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I filed a complaint XXXX/XXXX/XXXX in regards to incorrect information on my credit report. 
XXXX XXXX 's is showing a 30 day late payment XXXX of XXXX. I have never been late and have disputed this error thru XXXX. XXXX has not removed this error even after filing a dispute with CFPB. Synchrony Bank has already made contact with XXXX and provided them an updated XXXX to correct this error and they have not. It has been over 30 days and this information has not been updated.
Product: Credit reporting, credit repair services, or other personal consumer reports

From XXXX thru XXXX of 2021, I filed a dispute with XXXX XXXX and Transunion about the unverified and inaccurately reported collection account : XXXX XXXX XXXX  Account number XXXX that was reporting a different date of last activities and different high balances being reported. According to FCRA any inaccurate and unverified item must be removed from a consumer 's credit profile. In these few months, I have asked numerous times for a response or to be shown that the account is even under investigation and I have not received anything in response from these bureaus in several months. I am attaching a copy of my report to show the inaccuracies I am complaining about.. So now I'm contacting the cfpb to step in and help me get this issue resolved because I have not received a response from this company about this inaccurate account as of today. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act these accounts have violated my consumer rights under 15 usc 1681.

The listed accounts below have violated my consumer rights under 15 USC 1681. 

XXXX XXXX Account # : XXXX Amount ( XXXX ) {$16000.00} {$25000.00} XXXX XXXX XXXX Acct # : XXXX & XXXX Amount ( XXXX ) {$22000.00} {$22000.00} XXXX XXXX : Amount ( XXXX ) {$100.00} {$240.00} {$300.00} {$240.00} 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 card

On XX/XX/XXXX, my debit card was stolen. I immediately contacted Chase Bank on the same day to report the theft and unauthorized transactions. I also filed a police report regarding the incident and submitted it to Chase Bank as part of my fraud claim. 

The total amount of the unauthorized transactions was {$14000.00}. Despite promptly reporting the theft and providing the necessary documentation, including the police report, Chase Bank denied my fraud claim on XX/XX/XXXX. 

I requested a detailed explanation for the denial of my claim, but Chase Bank sent me a letter that did not provide any reasoning or specifics about why my claim was rejected. This lack of transparency is deeply concerning and unfair. 

I believe Chase Bank failed to conduct a proper investigation or to provide the required explanation under the law. As a result, I am seeking assistance from the CFPB to resolve this matter and hold Chase Bank accountable for their actions.
Product: Credit reporting, credit repair services, or other personal consumer reports

i noticed on my credit report XXXX XXXX account number XXXX having incomplete and inaccuracies. i have tried to dispute this item and it still remains. now i have proof the no real fair and thorough investigation took place. i never received proof of this investigation they claim its been verified but have yet to send my any documentation on how and why it remains. first off equifax doesn't even have an account number listed on this account and the open date is incomplete its XX/XX/2016 not XX/XX/2016. the same company reports to all three bureaus so they should all reflect the same information. if not how would anyone know that the account is accurate? it is also missing payment history and payment history is not the same across all three bureaus. incomplete and inaccurate accounts must be deleted per the FCRA and FDPCA. it shows on original amount of XXXX and a current balance of XXXX but no payment history ever. how can that be if there was no payment? and if there was a payment then it is not listed which is incomplete. either way incomplete or inaccurate.