23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

My mortgage was purchased last year by SPS ( Select Portfolio Servicing ) from XXXX XXXX. Prior, I used to pay approximately {$250.00} per month in excess of my contractual obligation, and per the terms of a loan with no prepayment penalty, any payments in excess of the contractual amount are posted to the principle amount. In the future, I intend to make considerably more " over '' payments. On my most recent statement, SPS notified me that unless a full contractual payment is made, any overage would remain in " in-posted '' status until it builds to a full contractual amount. As my contractual amount is approximately {$5000.00}, this indicates that I could pay {$500.00} over, but nothing would post to my account for nearly a year. This is a violation of the loan agreement and creates an over charge for interest. Based on my conversation with SPS, I believe this is a systemic issue for any payment overages that come as payments outside of a single monthly payment ( i.e. if I pay {$500.00} mid month every month, they would only hold it in escrow, if I pay {$500.00} over on an end of month payment, it would post to principle ). I believe any party paying unique separate payments on top of contractual are victims of this misallocation and over charge of interest. I was told because this was a " conforming '' loan, the payment allocation was at their discretion. Not sure how conforming status impacts the legal payment hierarchy.
Product: Debt collection

on XXXX XXXX i was checking my credit report when i see that i had something reported to my credit file by XXXX as a collection item. immediately i contacted the credit bureau who informed me it was from some collection agency call Stella Recovery Inc. its reporting that i owe {$560.00} to comcast which i have never had any service with. i was not aware that there was a bill in my name with this company as i have never had any form of communication which such company. i put in for a dispute and on, regarding this creditor. on XXXX XXXX i received an email from XXXX stating that the dispute was complete and a number was given to me XXXX, however, when i checked my report the info was still on my file, so i again call XXXX and the rep told me that they contact XXXX and XXXX said this belong to me. i immediately called comcast who could not find any info with my name or address in their data base or even an account number for this service, not only that they informed me that they do not deliver service to my area. i have never lived anywhere out of XXXX and find this strange. attached please find a copy of my id and the info that was reported to my credit report. i would like for this to be completely be removed and this agency who is reporting false info to my report be dealt with. also the credit bureau makes me feel like there is no safety with them either which is really sad. this is no the first time my credit info is being compromised and it bothers me to the core.
Product: Credit reporting, credit repair services, or other personal consumer reports

Two months ago I checked credit reports from all three agencies. The department of education student loans that were forgiven two years ago or still listed as open by all three bureaus. Called department of education. They said they would notify all three bureaus that my balance was XXXX and the account was closed. Equifax did not get this information, they claim, and my credit score is XXXX points lower than it should be. The auto loan I am taking out today is based on todays score. Equifaxs is wrong. I will be forced to pay I hire interest rate for my loan because this information was not corrected two months ago.
Product: Credit card

Citi Bank has determined that my account is over their credit line of {$75000.00} when my total charges are {$59000.00}. I made a payment of {$36000.00} on XXXX nand they put a hold on that payment and treated it as a charge resulting in a {$95000.00} balance. This is wrong. I talked to XXXX people yesterday and am currently on hold now over 15 minutes. I mentioned your agency and that woke them up.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. My office was broken into and several identity documents were stolen. The following inquiry showed up on my credit report and was not authorized by me and was made without my knowledge or consent. I have attached a copy of the police report. 

XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit card or prepaid card

On XX/XX/2020 between XXXX XXXX  and XXXX XXXX  a female customer service person I spoke to assured me that she could overnight a reliacard to a physical address that was not in their system. Please listen to the recorded phone conversation. I gave her my physical address even though I have a P.O. Box listed as my address, and she repeated my address, and then she stated that she submitted my card request and the cost would be {$15.00}. There is more, but please listen to the recorded phone conversation. Something was bothering me about that call since I had to fax my P.O. Box address to Relia on XX/XX/2020. I tried all day to reach customer service a Relia, and finally, I got through between XXXX XXXX  - XXXX XXXX. This time a man ( Reliacard customer service rep. ), answered the phone, and I asked him to give me the tracking number for the overnight reliacard I was expecting on XX/XX/2020. Keep in mind, that I have not received funds for 7 weeks.

The male customer service rep gave me a tracking number of XXXXXXXX and told me the card would arrive on XXXX/XXXX/200 via XXXX. I also verified the tracking number with the male customer service rep. and he told me the tracking number was correct. Please listen to the recorded customer service phone number. That means in on day on XX/XX/2020 to separate customer service representatives deliberately lied to me about where they could overnight the card, and later I received a false XXXX  tracking number. Why? I need the PUA money that is piling up on the card, and thousands of other people need the PUA money to take care of their bills and families. Why are Relicard customer service reps lying to people in need about the money we are entitled to during this pandemic? The female customer service rep I spoke to this morning ( Pennsylvania time ) overnighted my card to a P.O. Box that I am now told I probably will not receive because Relicard/Card Services don't overnight cards to P.O. Boxes. I don't know when I will receive the card with almost 8 weeks PUA benefits on it, but two people have deliberately interfered with the timely process of my receiving financial assistance. Please help. I spent all day yesterday and today trying to get through to customer service only to receive made-up information. Tampering with or delaying individuals from receiving Pandamic benefits should be a crime.

Thank you, Chrys ( Customer Service Rep. ) for your assistance in getting to the truth, checking notes, and trying to find out where my card sent this morning at the hands of the female rep. 

I hope my card does arrive at my P.O. Box tomorrow even though you stated and a another rep. yesterday said Relia card does not overnight to P.O. Boxes. If the card doesn't arrive tomorrow I will look for in 7 - 10 days. I need the card to come tomorrow. 

Please investigate these two customer service representatives at U.S Bank Relicard and listen to the recorded customer service calls on XX/XX/2020. Tampering with PUA benefits ... This should not be happening! 

Please email me with the results. 

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

I recently reviewed my credit report and found unauthorized inquiries. 
I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 
According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer.

Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, 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 The following inquiries are unauthorized : XXXX XX/XX/XXXX. 
XXXX XX/XX/XXXX. 
XXXX XX/XX/XXXX. 
XXXX XXXX XXXX XXXX XXXX, XXXX. 
XXXX XXXX & XXXX XX/XX/XXXX. 
XXXX XXXX XX/XX/XXXX .I understand that per the Fair Credit Reporting Act, you are required to notify me of your investigation results within 30 days. 
I look forward to receiving an updated copy of my credit report reflecting the above correction. Thanking you in advance.
Product: Checking or savings account

I had received XXXX refunds from money orders I purchased from XXXX XXXX. They are Wells fargo checks. And I went to cash them to find out that they are deposit only checks. So I opened an account with Wells Fargo on XX/XX/XXXX of 2024 and deposited XXXX checks that day. XXXX checks were {$1000.00} each and XXXX was for {$250.00}. About XXXX hours after I open the account I get a email saying they are closing my account because of fraud suspected of me altering the checks. I don't see why they can't verify the checks since it's from Wells Fargo? I've waited already XXXX months for the refund from XXXX XXXX I have all the paperwork I even have the original money orders. When I sent the request off I didn't have the originals so I had to notarize XXXX different applications and send {$30.00} for each application for the search request to XXXX XXXX. Now I got to wait more time for Wells Fargo to verify the checks saying that I altered them? This is absolutely ridiculous.
Product: Debt collection

I never received a response back concerning my disputing what this company stated for my XXXX/XXXX/2016 complaint. The company still has not removed the false items from my from my credit report. On XXXX/XXXX/2016 I responded to this company .... I do not agree with this. You can come up with XXXX pieces of paper, but until you come up with a legal document that has my original signature that I walked into a building and signed you have nothing. I did no such thing as go on a computer and borrow money from anyone Ad Astro has not contacted me via phone, because I have never spoken to anyone at this company nor have I received any mail from them. Ad Astro just reported the accounts on my credit report and that is how I found out. All XXXX of my credit reports for 3 years had initial fraud alert 's placed on them, because someone had used my identity. Not until last year did I have the fraud alerts removed from my credit reports. Ad Astro has been no help at all in trying to get this situation corrected and the items removed from my credit report. Also, e-signed documents are not documents showing my signature. If I needed to take out loans I would have walked into an office requesting XXXX. Ad Astro claims that they checked accounts information and was told that the accounts were correct in there response, ok so where is the actual documents showing that I signed for loans, there is none. Ad Astro seems to just update the XXXX and not even check to make sure that the information they report is correct. At no time have I been sent documents showing anything that this company claims to have done to correct or even look into this issue. I will not pay a debt that I did not create. Anyone can go online with my information as they did and take out a loan. I feel like this company should have validated the identity of the person that took out the loan with a photo or something more accurate, but they did n't and why have n't the loan companies contacted me if I so called owed them for a debt. And please stop lieing in your response in XXXX paragraph stating that you all remove items until the issue is resolved and then turn around in the next paragraph and say we have contacted the bureaus to place the items back on to reports when in all reality nothing was removed in the first place.
Product: Checking or savings account

I have two closed Chase Credit Accounts and ONE active Chase Checking account all owned by JP MORGAN CHASE. I requested a cease and desist telephone contact order be made for my credit card accounts. I received notification with US mail stating they have processed the request. Two weeks later, this morning, I received an email stating my mobile number had been removed from XXXX. XXXX is a payment transfer service with Chase Checking account services. 
JP Morgan Chase Bank has stated on numerous occasions the Checking and Credit services are completely separate services and the one can not assist the other. With that being said, removal of my telephone number from the XXXX database should NOT have occurred. This is an unfair and deceptive business practice Chase bank is engaging in using US Federal Law on processing of cease and desist orders, GLOBALLY with Chase owned or leased services, as a way to punish the consumer for not allowing a debt collection call. 
Note : Cease and desist request was made due to totals of 12 or MORE calls from Chase Bank were coming in PER DAY. This in itself is a violation of FDCPA.
Product: Credit card

I have always ensured that payments on this account are made on time, never allowing them to become overdue. I am unsure about the reasons behind reports of late payment remarks on my accounts. According to 15 USC 1666b - Billing Error, corrections should be made.
Product: Bank account or service

On Thursday, XXXX XXXX, 2016, for unexplained and unnecessary reasons, an employee, XXXX, placed my online banking access on hold. I had just visited the branch on Saturday, XXXX XXXX, presented my ID, received a new debit card, made a cash deposit, and received starter checks. 
When I called into online banking on XXXX XXXX, I was told to go to a branch to prove my identity yet again, and I would regain my access. When I got there, the representatives were unsure why I did n't have access, but I was told I would receive a call later confirming my access was restored - I did not. I called into online banking again on XXXX XXXX, asked for manager and again was told I would receive a call back and did not. I went back to the branch XXXX XXXX and again the representatives were unsure why I did n't have access, again I was told I would receive a call later confirming my access was restored - and again I did not. When I called into online banking later that day, I was told, snottily, to be patient. It is now been an entire week since the access was revoked ( to a VIRTUAL account ), without reason, and apparently the only person in the entire bank who knows how to get the hold removed is XXXX, and no one is interested in helping to resolve the situation. I just opened this account three weeks, already hugely regretting it.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$370.00}, {$11000.00}, {$9900.00}, {$14000.00}, {$4600.00}, {$31000.00}, {$3900.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- OPEN ACCOUNT 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$370.00} -This is not my account. 

-- CLOSED ACCOUNTS 2. XXXX  XXXX XXXX with ACCT # XXXX  opened on XX/XX/XXXX with a balance of {$11000.00} -This is not my account. 

3. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$9900.00} -This is not my account. 

4. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$14000.00} -This is not my account. 

5. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4600.00} -This is not my account. 

6. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$31000.00} -This is not my account. 

7. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3900.00} -This is not my account.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on this accounts. Actually I am not sure that the accounts are even mine though your company claims to have verified this. Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX XXXX, XXXX XXXX XXXX ( Experian ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

XXXXXXXX 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: Mortgage

Re : U.S. Bank Home Mortgage Account : XXXX ( XXXX XXXX ) On XXXX XXXX, 2015, we received a call from U.S. Bank stating that our XXXX mortgage payment had not been received. 
We checked our records and noted that we had paid the mortgage on XXXX XXXX, 2015, ahead of schedule, through a third party processor, XXXX, XXXX. 
Upon further inquiry, including talking to a supervisor, U.S. Bank continued to rudely and vehemently insist that payment on the mortgage account had not been received yet. Therefore, we went online and repaid our mortgage for XXXX, including payment of a {$5.00} fee for paying our mortgage " late. " Upon inquiring with our bank and third party payment processor this afternoon, we found evidence that U.S. Bank had not only received the entire payment, but also cashed the check made out by XXXX. We faxed this evidence to U.S. Bank XXXX and also followed up with a phone call where the agent was equally unhelpful and told us they could not find the payment, and could not reverse my {$5.00} fee. 
Either U.S. bank has yet to apply the payment or applied it incorrectly, but there is XXXX doubt the payment was received by them and now we have been defrauded by the bank for {$1600.00}
Product: Credit card or prepaid card

On XX/XX/XXXX, I attempted to make a payment to PNC through my checking account ( XXXX XXXX XXXX ). PNC did not document the payment until XX/XX/XXXX and sent me a letter reporting they were crediting the payment because they did not have a routing number from my bank. The check came from my bank, as I utilized on-line banking. This has been an on going issue with PNC. When I paid my bills through XXXX XXXX they kept returning the payments. This appears to be a scam to rack up late fees and keep me indebted to them. I appreciate any assistance you can offer.
Product: Credit reporting or other personal consumer reports

I tried to apply for a car loan and they told me I have multiple Social Security numbers connected to my social security number
Product: Student loan

I have on multiple occasions between XXXX of XXXX and as recently as XXXX of XXXX attempted to enroll my loans into an income-based repayment plan. My paperwork has been " lost '' every single time. During my last attempt, I had to point out the math errors that the Navient employee was making when reading my pay stub. I finally just gave up on trying to solve the problem. That 's when I began getting emails that allowed me to take short term forbearances by just replying " Yes '' to a Navient employee 's message. Those began on XXXX/XXXX/XXXX. They ca n't be bothered to do the paperwork to get me into a payment plan that would allow me to make payments and eventually pay down and potentially have my loans forgiven ( I work for a nonprofit ), but increasing my loan amount with accruing interest is as easy as typing " yes '' in an email reply. This is not just incompetence. This is intentional.
Product: Mortgage

Since the end of XXXX, I have tried multiple times to log in and pay my mortgage through 5/3rd 's online payment system, through which I have made multiple previous payments without incident. The number they give you to call to resolve the issues doesn't allow you to speak directly with the appropriate department. After multiple calls to 5/3rd bank , they informed me that they were updating their systems, and they were unable to verify my identity due to the lack of a phone number or email address on file. After finally getting in touch with a representative were informed that it would take 30 days to verify our phone number and allow us to log in ( making our mortgage late ) and then we would have to call back in 30 days to ensure that 5/3rd had processed it. We verified our identities over the phone ad added an email and phone number, only to try and log in again and have it not work. We called back and were informed that there was no email or phone number on file and that we'd have to wait 30 days again. Once We started speaking to the supervisor he gave us a bunch of lip service and advised that the first time we spoke with someone none of the information we verified or input was there and that the rep that transferred us to him had misinformed us that it was only 14 days. They rolled out this new security update without notifying their customers in advance.
Product: Credit reporting, credit repair services, or other personal consumer reports

There's a credit card account on my credit report which was for a business, not individual, that has also since been settled and closed back in XX/XX/2014 ( XXXX XXXX XXXX ). This has not been removed off my credit report despite multiple requests.