23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

In a recent review of my account through Account History documents obtained during a Rule 120 hearing to foreclose on my home, I discovered that PNC have not been posting my payment to my account since XXXX. I had originally thought there was an issue with my escrow account, but then discovered there was an issue with my entire accountmortgage payments and escrow. 

Some of these payments were not posted, transferred to the suspense account and withdrawn from the suspense account as if they were never received. These payments were never posted to my account at any later date. Other payments were applied to the account, but they also were transferred to the suspense account and withdrawn as if they were never received. 

This transferring to the suspense account also happened to credits. Other credits ( i.e. overpayments ) were kept and never placed in the suspense account or applied to my principal since the beginning of the loan in XXXX. 
These transfers to the suspense account is not recorded on the monthly statement in the transaction activity section or in the Yearly Month to Date. If one was to review the monthly statement, I would never show any money was not being applied to my account. 

I have also been charge late fees, when my account was current, even paid month or two in advance. If all of these STOLEN monthly payments were applied to my account, I would not owe another payment until XXXX. 
My escrow has been deficient by PNCs doing. In XX/XX/XXXX, after all of the modification payments had been applied to my account, PNC then withdrew {$830.00} from my escrow account with any explanation. Then on XX/XX/XXXX, PNC advanced themselves {$770.00}, stating there was an escrow shortage. They then refunded back to themselves each month until it was paid. At the same time I inquired regarding the shortage. I then received a letter from PNC dated XX/XX/XXXX, that another {$660.00} was being spread over 60 months for the same shortage that the {$770.00} was taken. Every year, sometime 2-3 times, this cycle of taking the lump sum each moth AND taking the shortage of the entire escrow account not the taxes and fees ( nothing is being put into the escrow as everything dime is taken out each month ) is spread over an amount of time. 
Both of these deficiency repayments are taking place at the same time as the mortgage payments. 

ALL of these issues were brought up in the court hearing with PNC attorney, but since it was outside of the scope of the Rule 120 and the Judge authorized sale on my home for XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my multiple requests that I have been a victim of identity theft and that no one seems to care, that 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 I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX ( Original XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$0.00} ; XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balance :
Product: Credit reporting, credit repair services, or other personal consumer reports

RE : Complaint # : XXXX As of XXXX XX/XX/XXXX XXXX  XXXX XXXX has failed to close the account in its database and continues to report 30-day late payments for the months of XX/XX/XXXX and XX/XX/XXXX with Experian credit bureau, 30-day late payment for the month of XX/XX/XXXX with XXXX XXXX and XXXX  credit bureaus. XXXX  XXXX XXXX reasserted that there was no record of a payment which I had logged into its mortgage database on XXXX XX/XX/XXXX and scheduled to bed withdrawn from my checking account on XXXX XX/XX/XXXX, and which Ms. XXXX XXXX the bank 's Short Sale representative later advised to be canceled because I was no longer required to submit a payment while awaiting closure after the sales contract was accepted by the bank ( see attached copy of payment confirmation receipt ). Consistent with my payment history with other lenders I have never missed or made any late payment with that account. I respectfully request that XXXX  XXXX XXXX officially close the account effective XXXX XX/XX/XXXX. Proofs of on time payments previously submitted to XXXX  XXXX XXXX and the three credit bureaus on multiple occasions pertinent to inaccurate reports filed by XXXX  XXXX XXXX regarding payments made to the bank between XX/XX/XXXX and XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX has violated my rights. 

n accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX, has violated my rights. 

n accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX, has violated my rights. 

n accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX, has violated my rights. 

n accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX, has violated my rights. 

n accordance with the Fair Credit Reporting act XXXX Account # 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 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Debt collection

This is the closest selection. This is a timeshare debt, specifically non payment of maintenance fees. Per Mass Gl 183B sec 29, the timeshare is subject to forfeiture for this non payment. However, it specifies a requirement of FORECLOSURE to recoup. use of debt collection agencies are not permitted per the law. Meridian Financial has been informed of this and continues to attempt to collect. 
additionally MASS GL183B states that additional charges ( such as subsequent maintenance fees or assessments ) can not be accrued once the 90 day limit of the first default has been reached. 
bot the timeshare company ( XXXX XXXX at XXXX ) and Meridian Financial have continued to add charges to the amount owed. Meridian had further indicted additional charges or interest XXXX be applied.
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened an income tax loan in XX/XX/XXXX with XXXX XXXX. When you receive this loan you are required to file your taxes with this company and when they receive your taxes they will deduct the amount of the loan before issuing you your income tax refund. There was n't a deadline for this loan as long as they receive payment during income tax season. I paid this loan in full on XX/XX/XXXX when XXXX XXXX received my taxes. Equifax is reporting this loan is open and the amount past due is {$490.00}. It also shows that I 'm 60-90 days late which is affecting credit tremendously. There was never a due date for the loan. The account is actually paid in full and closed. I have disputed this 3/4 times. I have went to XXXX XXXX and got documentation that the account is closed and paid in full. Equifax refuse to investigate this issue. I never missed a payment on anything and its not fair for me to have it reported on my credit as missed payments.
Product: Money transfer, virtual currency, or money service

I chatted with someone on XX/XX/XXXX who was to enter a fraud claim the customer service rep sent the 1-9 questioner i answered the questions and they should have enter a claim they didn't i checked on the claim a few days later and was told it was never entered if they entered it will be 10 days from the time it was entered. Cash app doesn't make up for their mistakes because I never received my provisional credit on XX/XX/XXXX because it was never added.i chatted with someone XXXX who said you will see something by XX/XX/XXXX and I haven't heard from no one. Cash app is still pulling the same games.
Product: Credit reporting, credit repair services, or other personal consumer reports

On our Equifax credit report it shows a lot of hard inquiries from car companies that we did not authorize. We only authorized XXXX XXXX and XXXXXXXX XXXX. There are over 60 hard inquiries which is damaging our report. I contacted Equifax and they are refusing to dispute the inquiries
Product: Mortgage

There is a {$6500.00} bill that is seventeen years old attached to my title. I'm trying to refinance with another company and Wells Fargo will not release my title because of it. I don't remember this bill and they can't find the origination of it ; but is holding up my refinancing. The agent that is assigned to ( from my CFPB complaint ) is unreachable. 
could this be one of those fraudulent charges that Wells was accused of? 
I requested a payment history XXXX XXXX on XX/XX/XXXX. They had to do a work order on it. They say it was completed on XX/XX/XXXX and I still have not received it. 
Can someone please assist with this?
Product: Debt collection

Express recovery again has sent a debt notice they failed to send the debt back to the original creditor as I requested in XXXX complaint, instead they keep mailing debt information that isnt valid or substantiated. The debt needs to go back to the original creditor this is my second request. Additionally I never went by the name XXXX XXXX this is a former name changed legally in 2016. This may be a result of identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has my name misspelled. I submitted a dispute and the documentation they required through their online dispute center on XX/XX/2021. I received a confirmation email that advised me I would be notified in approximately 30 days when the results of the dispute were available, which is also stated on their website and in their online delivery agreement the consumer must consent to in order to proceed with the dispute. 

Having checked their online dispute center today, I see that my dispute was marked closed the same day it was opened, XX/XX/2021. Equifax has not corrected the error and did not notify me that the investigation was closed. 

It's worth noting that I had tried fixing this error by phone once previously and was directed to their online dispute center.
Product: Mortgage

Specialized Loan Servicing company Account Number : XXXX I make additional ( double payments {$460.00} ) each month since I have been making payments on this loan. The Specialized Loan Servicing company is placing my addition principal payments in Unapplied/Suspense and so I'm accruing addition interest when the additional principal payments should be reducing the principal and thus eliminating additional interest.
Product: Credit reporting or other personal consumer reports

I recently tried to pull my credit report and credit score i discovered there was a blockage place on my credit profile by Transunion due to my identity. I was told I needed to upload proof as well as something stating I was a victim of XXXX XXXX. Ive sent in this letter via mail to the credit bureaus and the block yet is still not removed along with proof of my identity
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a XXXX from XXXX XXXX  about an old credit card account I had. Since XXXX cancelled the debt and I have to report it as earned income, the balance on my credit report should be {$0.00}. I have tried disputing the balance amount with the three major credit reporting agencies, and they keep saying that the amount has been verified. But how can XXXX XXXX  cancel the debt and then still say that balance is valid?
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I sent a letter regarding inaccurate and unknown things on my credit report that is preventing me from getting a house. As of this day that I am filing this complaint, over 45 days later, I have yet to receive a response. While I understand with the current state of things that the bureaus may be understaffed and overburdened with request. However I do not feel like that is the case here, I feel like I am being taken advantage of and being ignored of my disputes.

These inaccurate and unknown things on my credit report are preventing me from providing decent living conditions for my family as Im trying to buy a home. In Section 611 ( a ), it plainly states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 45 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will be looking to file for litigation due to the stress you have caused me and my family. Furthermore, my information was also impacted by the Equifax data breach and may have gotten into the hands of someone else.
Product: Checking or savings account

My Chime bank account was hacked and {$11000.00} was removed. 

Chime bank have not been cooperative in answering my questions as to how and when I was going to be made whole again with the money that was removed from my account. 

On XX/XX/2021 at approx. XXXX XXXX  I received a text msg from Chime with a security code which I had not requested. 

A few minutes later I received a 2nd security code. At this time I contacted my husband to see if he was trying to access the account and he said no. I then immediately phoned Chime support. 

While on the phone with support I received another text message stating that my email address on the account had been changed. Still on the phone with Chime I advised them of the text and advised her what my balance should be, she replied that there was nothing in the account. 

There were apparently 3 different transfers made at that time on XX/XX/2021 by someone without my authorization. At this time they told me to send copies of my ID to chime support which I did. 

I have been in contact with them daily attempting to get a status and an explanation of what was happening and how and when they were going to fix this situation and replace my funds that were stolen. 

At one point I received an email showing the 3 transfer transactions and also indicating 2 transfer returns totaling {$9100.00}. The 3rd transfer for {$2000.00} had still not been recovered at that time. 

During this time my account was locked from my first phone call when the email address had been changed from mine to someone else. Therefore I have had no access to the account to remove any of my funds that may have been returned. They would not answer questions but kept transferring me from one person to another and finally after days of phone calls they told me on Wednesday XX/XX/2021 that my account would be unlocked in 48 hours. By Wednesday night they had closed my account without explanation and I now have no way to contact them or to check on my balance. 

My concern is that I will not receive all of my funds that were in my account if I dont stay on top of this. There is no phone number I can call because I now have no active account due to their closing it.
Product: Payday loan, title loan, or personal loan

On XX/XX/XXXX, I placed two individual orders from an XXXX catalog I received : I opened a credit account for {$750.00} for the 1st Order # XXXX. This totaled {$750.00} ( incl. Shipping/Handling fees ). This order included a number of items ; however, I only received one item, XXXX ( 2 ea. ) ; High-Waist Control Legging ( Size 3x Black ) ; {$59.00} each : total cost being {$110.00}. XXXX/XXXX  emails later stated delivery was made, though I received no such deliveries. I reported non-delivery details to XXXX  staff on XX/XX/XXXX via telephone call. I was advised that credit would be issued to my account for the items ordered that I did not receive. I was further advised not to contact XXXX  personally because this would interfere with XXXX XXXX responsibility in the process. [ XXXX  issues of non-delivery to many customers in the XXXX XXXX geographic area has been a recurring news story on local television. ] I also want to point out that Item XXXX XXXX were actually received in a package delivered by USPS that contained one item from Order # XXXX ( Size 2x Bomber Jacket  ), which was from a different order I subsequently placed. I have fully paid for the leggings received from XXXX # XXXX [ checks written : XX/XX/XXXX for {$40.00} ; XX/XX/XXXX for {$45.00} ; XX/XX/XXXX for {$50.00} -- this last payment would have generously covered all interest against the leggings total cost of {$110.00}! It would also either reduce my account balance to {$0.00} or reveal a credit on this account!! I fully paid off the second order ( this was also placed on XX/XX/XXXX ) with XXXX. I wrote out a check on XX/XX/XXXX for {$300.00}. I owe this company no money ; I choose to do no further business with them either! I wrote XXXX XX/XX/XXXX, as soon as I received their first statement -- contesting their reporting. XXXX has not issued the credits due me. XXXX continues to improperly bill me. XXXX in my opinion, continues to illegally charge accrued interest to my account. XXXX  has not even bothered to respond to that letter of XXXX/XXXX/XXXX. XXXX XXXX latest bill received shows a " New Balance '' of {$630.00} with a " Payment Due Date '' of XX/XX/XXXX. It also contains a " Finance Charge '' dated XX/XX/XXXX of {$13.00}. 
These actions to date will negatively impact my credit rating -- through no fault of mine.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Equifax regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX XXXX  Account Number : XXXX Dates of Late Payments : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

Nature of Complaint : I submitted a dispute to Equifax disputing a late payment reported by XXXX XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment was processed on time : I made the payment on time before the due date, but a system error caused the payment to be recorded late. Attached are my bank statements showing the payment was processed prior to the deadline.

Clerical error by the creditor : After discussing the issue with the creditor, they confirmed that the late payment was due to a clerical error. I have included correspondence from the creditor confirming this mistake.

Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Equifax has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report.

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being.

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act.

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I went through a name change when I got married in XXXX, changing my last name to XXXX from XXXX. I also moved and reported that to both the school and Federal Student loan dept. When it came time for my deferrment to end and to start paying, the company sent all the letters and payment requests to the old address that was NEVER forwarded. It was n't until the collections showed on my cbi reports that I was aware of the problem. By that time the XXXX XXXX XXXX XXXX transferred all my accounts to their delinquency credit collector who refused to accept my paperwork for repayment for 1 year and half! After finally threatening the credit agency with an attorney after speaking to one, the collection agency accepted my repayment plan on their own " made up '' terms. The credit reports continue to show the accounts as derogatory and unpaid since original date reported. I have been paying since contract with the credit company. The XXXX XXXX XXXX XXXX 's collection department has racked up over $ 7k in interest by stalling this process all along. When I call the XXXX XXXX XXXX to try to pay the entirety of the balances off with consolidation loans, they reject my requests and say their is nothing I can do but to stay in this ridiculous repayment program. They took my husband and I 's XXXX tax return and applied all $ 7k to the loan balance even though the credit program I contracted under said this garnishment would not happen. It 's ruined my credit and I can not buy a home. I have disputed it with all 3 credit bureaus. The cbi 's removed it and then it reappears again the next month. An attorney has advised me to contact your agency to help. Please help me.
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 XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or 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.