23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I recently closed on a new mortgage with Pike Creek Mortgage Services , Inc. ( XXXX XXXX XXXX XXXX, DE XXXX ) on XX/XX/2020. The mortgage was set up with an escrow account to pay both taxes and insurance. On XX/XX/2020 I received a letter from the county my property resides in that the 2020 taxes ( {$9700.00} due XX/XX/2020 ) were never paid. I immediately called Pike Creek on XX/XX/2020 and was told by an agent that the initial escrow account was not funded with enough funds to cover 2020 taxes. If they were to pay the tax bill i would have an escrow shortage. After multiple calls and correspondence in writing latest dated XX/XX/2020 the tax bill is still outstanding. This error at origination and subsequent negligence by the servicer has caused undue hardship and will ultimately cause me to have to pay a higher monthly payment to cover this shortage.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had never received information on how to resolve paying off these debts, from XXXX XXXX XXXX  XXXX. They placed 2 deragatory remarks on my credit report the for the card started on the same day ( Opened XX/XX/2014 ) They placed a double negative in order to pressure me on this. Very unethical pinning me into bad credit. 

This has greatly destroyed my credit not allowing me to get a car or anything in life. 

I had trouble paying for this card as a student and ran into financial difficulties.
Product: Mortgage

Starting on XXXX the XXXX I started requesting a payoff notice to be sent to our title company to sell our house. Every time I am told it will take 24 to 48 hours. I have tried this process over the phone at least 4 to five times over the last two weeks and at l ; east 2 times through the online chat. As well as there is a document viewer on the website I was told I would be able to view the payoff statement every time I try I'm just given an error code. When I asked why I can not view this no one can even give me an answer. This is causing me to have to pay two home payments every month because we are already out of that home into a new one and can not sell without that statement. The title company has everything else they need and we are only waiting on that one document. They are very unprofessional and apparently all of my calls are being answered in a call center in another country every time I ask where I can file a complaint I am given the run around or transferred to a busy line or disconnected on. Today XXXX the XXXX I am being told there system is having technical difficulties after they told me it would be faxed within the hour. Please Help
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to express my deep concern and disappointment regarding the accuracy of information on my credit report. Despite previous communication, your agency has failed to demonstrate due diligence in ensuring that the reported items comply with 15 U.S.C. 1681i ( 7 ) regarding the Method of Verification. As mandated by 15 USC ( 6 ) ( B ) ( iii ), I am requesting a detailed description of the reinvestigation process your agency used to verify the accuracy of the disputed items on my report. This description must include : 1. The name and address of the information provider ( s ) contacted 2. The telephone number of each provider, if reasonably accessible 3. The name of the individual who verified the dispute 4. Valid documentation that was used to substantiate the continued reporting of these items This information must be provided within 15 days from the receipt of this letter, as required by law. Additionally, I have previously notified your agency that I am a victim of identity theft related to a data breach. I have filed a formal FTC report ( enclosed ) and demanded the immediate removal of all fraudulent information from my credit report, as required under 15 USC 1681c-2 ( c ) ( a ). Your agency is legally obligated to block and remove any alleged identity theft information within 4 business days of receiving a complaint that meets the necessary criteria. 
Despite this clear request, the following inaccurate item remains on my credit report : XXXX - XXXX Misleading and False Reporting. ** This item has never been validated, and no supporting documentation has been provided to confirm its accuracy. If this item can not be proven valid, it must be immediately deleted. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX Misleading and False Reporting. ** This item has never been validated, and no supporting documentation has been provided to confirm its accuracy. If this item can not be proven valid, it must be immediately deleted. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX Misleading and False Reporting. ** This item has never been validated, and no supporting documentation has been provided to confirm its accuracy. If this item can not be proven valid, it must be immediately deleted. 

XXXX XXXX XXXX XXXXXXXX Misleading and False Reporting. ** This item has never been validated, and no supporting documentation has been provided to confirm its accuracy. If this item can not be proven valid, it must be immediately deleted. 

XXXX XXXX XXXX XXXXXXXX Misleading and False Reporting. ** This item has never been validated, and no supporting documentation has been provided to confirm its accuracy. If this item can not be proven valid, it must be immediately deleted.
Product: Mortgage

Originally in XX/XX/XXXX my mortgage was paid by two banks : XXXX and XXXX XXXX XXXX  XXXX. However, the XXXX payments ( two of {$410.00} ) were never applied to the account. I have been trying to call and resolve this matter with Wells Fargo Home Mortgage since XX/XX/XXXXr but to no avail. I never get the same person. When I try to use an extension or an email was given to me, I don't get a response, get a voicemail, and never get a callback. 

Finally last month, they figured out that the cash department had not received the payments I had made from XXXX bank. You looked into the matter and told me you found the payments had been applied to the home projects account I had opened. You said this money would be moved and applied to my mortgage. 

Instead, however, I received a check in the mail cut for XXXX because they had to move the money that way because of tax ID purposes. However, when using that money to pay my mortgage, I was still charged a late fee. Therefore, I need to be credited a late fee from XX/XX/XXXX for XXXX and XX/XX/XXXX for XXXX to make up for the clerical errors on Wells Fargo 's part. 

Similarly, this has now created ANOTHER issue with the home mortgage project account, as it is not showing an outstanding balance for the amount the check was cut for. I am not sure why this is ; I was told the cash department applied my payments to that account, NOT my mortgage. Therefore, where is the cash that I had sent that was said would be applied? 

I am growing increasingly concerned, as this was supposed to be rectified. Instead, there is now another XXXX discrepancy, and multiple late fees involved. It is showing me I owe on that home project account now, one that has been at XXXX balance for over two years. I want to get that to XXXX   and close that account. 

This whole manner is very disconcerting and the amount of time/red tape involved in trying to get this handled. I got a letter from Wells Fargo company stating it had been taken care of and they were checking credit bureaus to make sure it had not been reported ; I felt relieved that everything was being dealt with. Then I got the check in the mail just before the holiday weekend, and it all started again. 

Since then, I have tried calling a whole team of people, and no one will return my calls or emails. 
XXXX XXXX - XXXX XXXX XXXX - Team Lead XXXX XXXX XXXX XXXX XXXX - apparently out of the office until XX/XX/XXXX I have also reached out to Wells Fargo on XXXX, as well as XXXX XXXX XXXX, XXXX XXXX XXXX   XXXX  of Community Banking and Lending. We live in Ohio, and despite the fact you own our mortgage, there is not a branch office in a reasonable distance we can walk into. 

The only payment I have missed is the current one because the account is saying there was unapplied funds. I have tried calling to talk about what this means and where they came from before more of my money gets misallocated.
Product: Mortgage

XX/XX/2024 - I made a one-time payment of {$33.00} to test and verify that the correct way to apply my funds ONLY to the principal amount. 

XX/XX/2024 - I see {$33.00} was correctly applied to my mortgage principal only. 

XX/XX/2024 - I made a one-time payment of {$19000.00} in the same way as tested. I take screenshots confirming my payment options, fully expecting to have no issues. 

XX/XX/2024 - I notice in the web portal that my payment is sitting in Unapplied Funds as a Cash Receipt transaction instead of a Principal Payment like I had designated. 

XX/XX/2024 - I call BSI Financial to find out more about why this has happened. Customer service agent says she doesnt know but she can put in the request to have it be applied to the principal amount. Meanwhile, I have already put in my PMI cancellation request because this payment was supposed to bring me down to 80 % LTV at which point I can request to cancel PMI. 

It seems to me that BSI handled this transaction completely in bad faith. I can not help but suspect that they know theyre not incentivized to apply my large payment correctly because this would be less interest money, PMI , and escrow money for them. I have clearly seen this principal payment process CAN be extremely easy in a smaller principal payment, but as soon as the payment amount threatens their interest collection in a meaningful way, theyve introduced errors into the system and handled my payment maliciously. 
They deserve to be thoroughly investigated for this. My mortgage has no prepayment penalty, nothing in the terms describing this outcome as expected!
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX # XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) : XXXX XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) : # XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) : # XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) : # XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) : # XXXX, XXXX  ( Original Creditor : XXXX XXXX ) : # XXXX, XXXX XXXX ( XXXX XXXX : XXXX XXXX XXXX XXXX  ) XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX : XXXX NC ) : # XXXX, ( Original Creditor : XXXX XXXX ) : # XXXX, ( Original Creditor : XXXX XXXX XXXX XXXX # XXXX, ( Original Creditor : XXXX XXXX ) 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 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: Mortgage

XXXX XXXX XXXX Freedom mortage Loan # XXXX XXXX XXXX XXXX XXXX, TX XXXX SS # XXXX XXXX late payments were incurred prior Freedom purchasing loan. I was making monthly payments to prior mortage company funds not relieved on timely basis. These 2 late payments are hindering loan approval for 2nd mortage. Credit burrows reporting is not not accurate. 

Regards, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting or other personal consumer reports

Hello, I am writing you with deep concern of an item that has been in dispute with Wells Fargo since XX/XX/year>. Wells Fargo reported XX/XX/year> payment as late to the credit bureaus, however, the payment to Wells Fargo was made on XX/XX/year>, with a due date of the XXXX of every month. Thus, the payment was made within the 30 day period. 

While severe financial circumstances caused me to pay late the previous months 4 months, I was certain to make sure XX/XX/year> was paid within the 30 day period to decrease the negative effects on my credit. This was in fact paid on the XXXX day from its due date, still within Wells Fargos grace period also. 

The proof is attached on my payment records to Well Fargo. 

Please assist me as the dispute has continuously been rejected/denied by Wells Fargo and Credit Bureaus XXXX 

Thank you, XXXX XXXX
Product: Credit card

I noticed that there is a hard inquiry on my credit report. XXXX shows that i have a hard inquiry from THD/CBNA on XX/XX/year>. I called to remove it. They email me back saying that they contact XXXX to remove it ( reference # XXXX ). It is still showing on my credit report. Now it shows 2 from the same date XX/XX/year>. On XX/XX/XXXX once again it shows another hard inquiry on XXXX. I contacted Citi bank they said to give it 30 days it will be removed ( case # XXXX. I contacted them again on XX/XX/XXXX, once again I receive a letter saying it will be removed ( reference # XXXX ). As of right now I have 3 hard inquiries on my credit report that. The only hard inquiry that should be there is the XXXX from XX/XX/year>, that is the only time I applied for a card, which I was approved. 

Thank you XXXX XXXX
Product: Student loan

Every time I have called Navient to come up a proper repayment plan, I have always received high payment options.Moreover, right now I have been given a low payment plan, but it appears that the monthly payments are not being applied to the existing open balances.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I paid off a collection XXXX XXXX XXXX  in the amount of {$330.00}. They agreed to report to all 3 major credit bureaus that the account was " paid as agreed '' and to have to have it permanently removed from my credit report. So far the only bureau it has been deleted from is XXXX XXXX. XXXX and Experian it is still showing as UNPAID. I have called the collector and the amount was paid on XX/XX/XXXX. It's almost been a month and I would like to have this trade line permanently REMOVED from XXXX  and Experian. I have a attached 4 documents. ( 1 ) A photo copy front and back of check, ( 2 ) a screen shot of USPS proof that it was delivered, ( 3 ) a screen shot from XXXX showing it is STILL showing on my credit report, ( 4 ) and a screen shot from Experian showing it is STILL showing on my credit report. Thank You.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute several negative items that appear on my credit report. The following accounts have been reported as late payments, charge offs, or collections : XXXX XXXX Late Payment Account XXXX XXXX XXXX XXXXXXXX Charge Off Account XXXX XXXX Charge Off Account XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Collection Account XXXX XXXX XXXX XXXX  XXXX Collection Account XXXX XXXX Charge Off Account XXXX XXXX  XXXX Charge Off Account XXXX XXXX Charge Off Account XXXX  XXXX Charge Off Account XXXX XXXX  XXXX Charge Off Account XXXX XXXX XXXX Charge Off Account I believe that these items are inaccurate and/or unverifiable. I request that these items be removed from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ) and other applicable laws. 

I would like to remind you that it is your legal obligation to investigate and correct any inaccuracies on my credit report. According to the FCRA, you have 30 days from the date of receipt of this letter to complete your investigation and respond to my dispute. If you fail to respond within this timeframe, I will consider the disputed items to be inaccurate and request that they be removed from my credit report. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

They allowed me to make an arrangement for a payment on my account, and I advised them to take the funds on a specific date, to which they agreed to, but failed to do so. They're now messaging and emailing me repeatedly demanding that I fix the issue when it's not my fault.
Product: Credit reporting or other personal consumer reports

I have accounts with XXXX, and XXXX XXXXXXXX, and other accounts as well that I've never heen given credit for paying on time and paying off. My oldest account is XXXX XXXX XXXX it is child support and I've paid off almost {$30000.00}. My XXXX  account is not past due it is paid up to date. My XXXX XXXXXXXX account is paid off completely. With no late payments, I had XXXX XXXX  accounts both are paid in full. I have never been late on anything. This should give me a perfect score. My score does not reflect this or any of my efforts. EXPERIAN was supposed to update my credit to reflect these issues but never did. Transition will not even give me mt credit score without giving them money. And will not give me a copy of my report at all.
Product: Money transfer, virtual currency, or money service

I got scam online with fake crypto trading. I use Kraken and XXXX to wire money from XXXX XXXX  to buy XXXX and transfer to XXXX wallet app and finally to the fake trading platform. I wired money 4 times with Kraken dated XX/XX/XXXX  {$99000.00}, XX/XX/XXXX  {$98000.00}, XX/XX/XXXX  {$60000.00} and XX/XX/XXXX  {$99000.00}. The last transfer were hold and reverse back to XXXX XXXX. This is the email from their support. 

XXXX ( Kraken Support ) XX/XX/, XXXX PST Hello XXXX, Thank you for your patience. 

Unfortunately, we must inform you that we will be closing your Kraken account. For security purposes, we can not disclose the reason for this action. Your deposit is being returned to your sending bank, please double check your bank statement for confirmation of the return. 

Please also complete the following actions within the next 72 hours ( from the time and date of this message ) : Convert your XXXX  to cash. 
Withdraw your remaining balance to the bank account you previously used to fund your account ending in XXXX. 
Export all your trade and ledger history as we will be unable to provide it to you later.

Deposit services have already been disabled for your account. After the 72 hours have passed, your account will be closed. 

Kindly note that you can not open another Kraken account. We may reach out to you if we require additional documentation. 

We appreciate your understanding. 

Because of that I rewire the money again this time to XXXX dated XX/XX/2023 {$99000.00} and send again fund to the fake trading platform. 

I believe Kraken already know that I'm a victim of ongoing scam and they decide not to protect me as their customer by closing my account and not disclosing the scam that presently ongoing. 

I don't have information on my account anymore only the request # XXXX
Product: Debt collection

I do not consent to electronic communications. I request all responses be in writing through the USPS. I would like to request the suppression of this item from my credit report, which is the result of a fraudulent item origination and identity theft. This fraudulent item should be DELETED from appearing on my credit report. I am trying to obtain credit and it is causing me too much emotional and financial distress because of this item that does not belong to me which is reported erroneously. I am in desperate need of this item to be INSPECTED and REMOVED. XXXX XXXX XXXX XXXX and XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I have asked the following companies to remove the following negative inquiries which I am not aware of from my XXXX XXXX credit report. There customer service would not help me. 

Continental Finance XX/XX/XXXX Continental Finance XX/XX/XXXX Continental Finance XX/XX/XXXX Continental Finance XX/XX/XXXX XXXX XX/XX/XXXX XXXX   XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX As you can see, these are multiple items They are not mine and are having a huge impact. 
Thank you XXXX XXXX
Product: Credit reporting

I have requested several times to have equifax to properly note the XXXX account. I AM NOT REQUESTING the account to be verified. ( That has already been done ) I AM NOT REQUESTING to have the account to be noted as charges off or sold to an outside collection agency and have the account balance made zero. ( That has already been done with several written request by me ) WHAT I AM REQUESTING is that EQUIFAX reports WHO IS CURRENTLY THE OWNER of THIS DEBT ( WHICH IS XXXX XXXX XXXX LOCATED XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX THE PHONE NUMBER IS XXXX XXXX XXXX XXXX extention XXXX. THIS IS the owner of the debt and the report should be listed as such. ( SO I CAN DEAL WITH XXXX WITH THIS MATTER ) t IT IS ILLEGAL TO REPORT misleading AND INCOMPLETE INFORMATION or PARTIAL information. XXXX SOLD THIS ACCOUNT TO XXXX XXXX XXXX YEARS AGO. XXXX XXXX XXXX owns this account SO EQUIFAX SHOULD NOT HAVE XXXX LISTED ON MY CREDIT REPORT. THIS IS ILLEGAL. IF EQUIFAX DOES NOT WANT TO VERIFY THAT THE ACCOUNT HAS BEEN SOLD FROM XXXX YEARS AGO & gt ; PLEASE IMMEDIATELY REMOVE THIS FROM MY CREDIT REPORT. I have already secured legal counsel as I promised that I would do in my previous complaints.