23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I have had a loan serviced by Ditech ( XXXX XXXX XXXX ) for over 3 years. Each year, my escrow account 's funds were excessively short. The rate the impounds were collected at were set by the loan servicer and were not decided by me. I allowed the shortage to be spread with payments the two prior years.
In XX/XX/XXXX, I received a new notice that my escrow account was again insufficient. I 've watched the escrow account 's insufficient balance grow year after year and had enough. I chose to make a payment to Ditech to stop the cycle of the impound account not being collected correctly versus continuing to spread the shortage. It did not appear an end was ever in sight. If you look at the history on my escrow account, it 's relatively static. It does not make sense that it would continually be short, unless Ditech set the impound rate incorrectly from the start. I paid my supplemental taxes on my own. The only escrow activity on tax payments, PMI, and hazard insurance. The payment amounts for these items fluctuate insignificantly.
Ditech gave me the option of mailing a check, which is not how I conduct business in XX/XX/XXXX. On XX/XX/XXXX, I called Ditech and spoke with XXXX. She informed me that I could make an online payment. Because the payment would be applied to principal/interest, she instructed me to send a secure email asking for the payment to be reprocessed toward the escrow balance.
On XX/XX/XXXX, I made a payment with Ditech for {$2600.00}. On the following day ( XX/XX/XXXX ), I sent Ditech a secure email asking for their help with reprocessing the payment. Ditech failed to respond to my inquiry. On XX/XX/XXXX, I sent Ditech a follow-up secure email asking for their help. On XX/XX/XXXX, I received a reply from Ditech indicating my " request is being reviewed for appropriate processing. '' When I called on XX/XX/XXXX, Ditech had no issue attempting to sell me a refinance to my loan. Apparently, responding to routine service inquiries is an issue to Ditech.
Product: Debt collection

I have a XXXX charge in the amount of {$410.00} reported by Southwest Credit system ( number is XXXX ) on XX/XX/XXXX for an account that is dated back in XXXX " allegedly '' but nor XXXX or Southwest can get me a copy of the bill that they claim is past due balance and I gave been a XXXX  customer since back in XXXX and still a current company. I have a home in NJ here they say it is from and I live in GA now. I had a manager at XXXX on the phone from collection department and they could proof it was mine, a copy of the bill ... I called southwest with the XXXX XXXX mgr. on the phone and southwest would not talk to us and transferred my to a VM. I told them both is they could provide a bill I'd pay but either will/can do it. I tried with there XXXX fraud team as well and got now where. They only have a email and phone that they issued to me so I'm told and don't nor ever had access to nor knew existed. Yes, I pay them {$300.00} per month is GA with my same SS #, phone #, XXXX. Yet, they claim I owe them {$410.00} from 5 years ago. I have called both companies several time and I get now where. I'm buying another house and can I please get this removed or discarded off my credit report, it's impacted my score by 40 point for {$410.00} from 5 years ago, yet, I pay $ XXXX  monthly to XXXX ... please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have advised Equifax numerous of times that this XXXX account reporting on my credit is not mines. They have not sent me their investigation that provided that this is my account. This account was opened fraudulently under my name without my consent. I have made XXXX aware as well. I have sent a police report and identity theft report and Equifax is the only one that still has this account on my credit profile.
Product: Checking or savings account

I told the customer service rep, not to let any charges to go through from XXXX XXXX XXXX ( {$500.00} ) last week. Also I told the rep if I didnt have funds in my account do not let any charges go through my account. Suntrusts and the customer rep continued to ignore me and charge unlawful fees. I have canceled this debit card and Im going to start a lawsuit if they are not going to put the money back in my bank account.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair credit reporting act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are fraudulent XXXX XXXX XXXX  Account number XXXX XXXX XXXX XXXX Account number XXXX XXXX Account number XXXX THE XXXX  XXXX Account number XXXX DEPT OF EDUCATIONXXXX Account Has violated my rights 15 U.S.C. 1681 section 602 A states I have the right to privacy. 15 U.S.C. Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without 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 adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681 s-2 ( a ) ( 1 ) A person shall not furnish any information relating to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Product: Mortgage

On XX/XX/2020, in order to purchase the property XXXX XXXX XXXX XXXX XXXX NY, I borrowed {$490000.00} from the XXXX XXXX who then sold it to Shellpoint on XX/XX/2020. ( I paid the loan down by {$300000.00} in XXXX, thus leaving a balance of {$190000.00}. ) I borrowed the money from XXXX as a representative of my company The XXXX XXXX XXXX  Shellpoint changed the mortgagor from The XXXX XXXX XXXX to mortgagor XXXX XXXX ( me ). I have since applied to XXXX XXXX  to refinance as my loan currently has a 9.5 % interest rate. Also, please note I obtained insurance on the property from day one which included hazard insurance. Shellpoint keeps insisting I dont have hazard insurance because the insurance is in The XXXX XXXX XXXX and the loan is now in the name of XXXX XXXX XXXX was it even legal for them to just change the name ). Because of this they have increased the payoff amount to XXXX XXXX by {$2900.00} as a charge for hazard insurance which I have always had and proved to them. They wont change the payoff amount. Please help. I feel like they are trying to extort me for {$2900.00}. Thank you.
Product: Credit reporting or other personal consumer reports

I requested my free credit report from XXXX on XX/XX/XXXX. After reviewing all of the accounts listed in my " other accounts '' and " revolving accounts '' section that have been closed, I identified XXXX separate accounts that I did not authorize. I also identified an incorrect address listed in the previous address section. I have submitted disputes for all of the above-mentioned concerns with XXXX. XXXX completed the dispute about the incorrect address and has since removed the address from my report. The remaining disputes are still pending. 

XXXX accounts are with LVNV FUNDING LLC, care of RESURGENT CAPITAL SERVICES L.P . 
XXXX. This account is in a closed status. My credit report lists that this account was opened on XX/XX/XXXX, and that the first delinquency occurred in XX/XX/XXXX. The total balance listed for this account is {$330.00}. I HAVE NO KNOWLEDGE OF THIS ACCOUNT AND DID NOT AUTHORIZE IT TO BE OPENED. 
XXXX. This account is in a closed status. My credit report lists that this account was opened on XX/XX/XXXX and that the first delinquency occurred in XX/XX/XXXX. The total balance listed for this account is {$1100.00}. This account has the original creditor listed as XXXX XXXX XXXX. I HAVE NO KNOWLEDGE OF THIS ACCOUNT AND DID NOT AUTHORIZE IT TO BE OPENED. 

One account is with XXXX XXXX. 
XXXX. This account is in a closed status. My credit report lists that this account was opened on XX/XX/XXXX, and does not list a date of first delinquency. It reports the date of the last activity as XX/XX/XXXX. There is a {$0.00} balance listed and an available credit limit of {$1000.00}. I HAVE NO KNOWLEDGE OF THIS ACCOUNT AND DID NOT AUTHORIZE IT TO BE OPENED.
Product: Checking or savings account

I have been in communication with XXXX Insurance with fraudulent charges made to my business account since 2021. The sum is a rough estimate of {$1000.00}. XXXX is well aware of the issue and I have done everything on my end that was required to receive funds back from merchant. My bank refunded me per visa and debit card 60 days of charges. I am still owed for the months my bank will not cover as this is not their responsibility. I have been to my bank to obtain documentation to submit to XXXX fraud department which I faxed per their request. It has now been 3 months and XXXX has not notified me of any advance on their part. They simply redirect me to my bank. I have called 12 times and still no resolution on money they were taking out of my account they are aware are fraudulent. I have hit a wall and just want the merchant to reimburse me and give me documentation after so I can file with police to hopefully get resolution legally on person or persons using my info to pay XXXX for whatever it was. XXXX wont release any info per privacy. This has been going on for years, sometimes twice a month and different increments.
Product: Credit reporting, credit repair services, or other personal consumer reports

Car got repossessed back in XXXX of 2020 and the account is closed but I'm still getting late payments on my report for that account.
Product: Credit reporting or other personal consumer reports

To whom it may concern, It has come to my attention. That my personal information and my identity have been compromised. I received a notice in the mail that I was involved in the Equifax data breach. I find it very alarming that your company continues to violate my rights, by reporting my personal information and following accounts incorrectly.

I have the right to privacy.

15 U.S.C 1681 section 602 A. States, I have the right to privacy.

15 U.S.C. 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy.

15 U.S.C 1681b ( a ) ( 2 ) - nothing can be furnished on my consumer report without my written consent 15 U.S. Code 1611 - Criminal liability for willful and knowing violation Whoever willfully and knowingly ( 1 ) gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder, 15 U.S.C 1692 ( C ) Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.

15 U.S.C. 1681-11681x The Act ( Title VI of the Consumer Credit Protection Act ) protects information collected by consumer reporting agencies such as credit bureaus, medical information companies, and tenant screening services. Information in a consumer report can not be provided to anyone who does not have a purpose specified in the Act. Companies that provide information to consumer reporting agencies also have specific legal obligations, including the duty to investigate disputed information. In addition, users of the information for credit, insurance, or employment purposes must notify the consumer when an adverse action is taken on the basis of such reports.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity, and time.

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports.

Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
Accounts 1. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

2. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit act XXXX Account # XXXX, XXXX XXXX , has violated my rights 15 U.S.C Section 602 A. States I have the right to privacy 15 U.S.C Section 604 A. It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Mortgage

1. In XX/XX/2021, I refinanced my home. I have an escrow balance of {$4500.00} that is rightfully owed back to me from Specialized Loan Services. As part of the refinancing process, this should have automatically been mailed back to me when the loan was paid by the new loan holder.

2. In XXXX, I had not received the check and called to inquire. They indicated the check had been mailed, so they'd have to cancel the check and issue a new check. This process should take around 10 days. That same day, the check came in the mail. I called to ask if they could reverse the check cancellation. They indicated they could not and I should destroy the check. I did this. 
3. Thinking that the check from XXXX was on its way, I waited until XX/XX/XXXX to inquire again. The company indicated the check from XXXX had not been cancelled and someone was supposed to have called me to let me know the XXXX check was cashable. This did not happen. 
4. On XX/XX/XXXX, XXXX ( employee ID XXXX ) indicated he would assign the case to himself and update me with a tracking number for the new check by XX/XX/XXXX. 
5. On XX/XX/XXXX, I called and XXXX indicated " there had been a change in company policy '' that would not allow him to track this case. My understanding is that no check has been issued. Before I could get more details, he hung up on me, or I was disconnected. 
6. I called back and spoke with XXXX ( employee ID XXXX ) who indicated the same information as XXXX on XX/XX/XXXX- the case has been escalated and her notes request a wire transfer or certified mail so the check is traceable. She indicated this would take another 15 days to resolve and that she would call me on XX/XX/XXXX to update me on the status. This appears to directly contradict what XXXX said about the company policy that no longer allows for cases to be assigned to specific agents for resolution. I also requested a supervisor call back, which takes 24-48 hours.

6. No one has been willing to provide a direct number or email to call back to. The phone tree makes it difficult to reach a human person. I have called 11 times and only been able to connect 6 of those times. I have spent approximately 8 hours working on trying to get this resolved.
Product: Debt collection

I am not liable for this debt with XXXX XXXX OHIO and I do not have a contract with ONLINE COLLECTIONS plus they did not provide me with the original application like I asked. 

Account No : XXXX Amount Disputed : {$110.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I sent a dispute letter to American Collections ENT to the address that is on my Credit Report from XXXX, XXXX and XXXX XXXX XXXX XXXX XXXX, VA XXXX and the Letter came back return to sender.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX attempt to get this matter resolved. I've submitted XXXX previous complaints with the CFPB & you claim I'm submitting the information for someone else... I have no clue what in the world you're trying to accomplish by ignoring my request but it's just creating additional emotional & physical distress. XXXX has failed to comply with Fair Credit Reporting Act ( FCRA ). The disputed information was reporting to my credit file held with XXXX/XXXX. This XXXX account was reported Late.They have failed to fix the account. I need this account updated from my report ASAP. Here is the name of the data furnisher & the account information- XXXX XXXX Date opened XX/XX/2006 Balance {$100000.00} XXXX  XXXX Date opened XX/XX/2006 Balance {$100000.00}
Product: Checking or savings account

They charged me XXXX for each transaction everyday up to three transactions until bank is positive so I was charged XXXX everyday till positive
Product: Credit card or prepaid card

Contacted Bank of America on XX/XX/XXXX and XX/XX/XXXX regarding accrued interest on the account. I have several balance transfers on this card which is the primary use of it. I have no interest accruing charges on it. BOA has been allocating all the payments made to the " first balance transfer date '' and not to the expiring transfer dates. This has caused those zero percent balance transfers that are expiring to now become interest accruing transactions. I have other balance transfer cards with multiple transfer timeframes on them, yet those seem to apply the payments to the ones expiring first, not when the transfer was first taken out. Not only did this occur, but they also didn't even attempt, based on the law, to apply the last two months to the one expiring the soonest, I check the XX/XX/XXXX/XX/XX/XXXX/XX/XX/XXXX statements to verify payment application. The customer service agents and the floor manager on just kept repeating that the " law '' states they have to apply the payments to the one first taken out. This to me is bait and switch technique where they can then cause the customer undue burden. Granted I should have monitored the online statement but I will opt to change this to a paper statement in the future at their expense of mailing so I can monitor these transactions closely.
Product: Credit card

I am writing to file a formal complaint regarding my Apple Card issued by Goldman Sachs. My account has been placed under review, leading to significant frustration and confusion due to the lack of clear communication and resolution from both Apple and Goldman Sachs.

The issue began when I placed an order directly with Apple, using an Apple gift card for part of the payment and my Apple Card for the remaining {$230.00}. Due to a technical error on Apples end, the gift card did not process correctly, prompting me to re-attempt the charge. This action led to my Apple Card being blocked. 

I have reached out multiple times to resolve this issue, speaking with customer service representatives who often provide inconsistent information. I was assured via an Apple XXXX chat that the issue was resolved via chat on XX/XX/year>, only to find that my card remains blocked. Despite having an excellent payment history and only using this card for Apple purchases, I have not received any notifications regarding the restrictions on my account.

Moreover, I have called nearly a dozen times, and each time I am transferred back to Apple Card support or disconnected without resolution. Apple has indicated they would work on my behalf, but the lack of coordination between Apple and Goldman Sachs has left me without a functioning card and no clear path to resolve this.

I am a responsible customer who has consistently made timely payments. This situation is unacceptable, and I request your assistance in resolving this matter promptly. I would appreciate any intervention you can provide to ensure my account is unblocked and that I receive proper communication regarding my account status. 

Thank you for your attention to this matter.
Product: Mortgage

My mortgage was apparently " bought '' by Citizens One Home Loans. I have been trying to get service on my loan for over an hour. Have had to call twice. First call ... remain on hold over 40 minutes until someone answers and then hangs up. Second call ... no one answers the phone. No one answers to the secure messages. I simply get an email saying give them up to 5 days to respond. My loan was just transferred to Citizens One and the account shows a late payment fee but I have not been late and didn't owe this fee before my account was transferred to Citizens One. Now I can't reach anyone about my loan to assist. I have tried their website and have been sitting on hold for upwards of an hour.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX Account has violated my rights. 
( XXXX  XXXX XXXX  # XXXX ) ( XXXX XXXX XXXX # XXXX ) ( XXXX XXXX # XXXX ) 15 U.S.C 1681 Section 602 States I have the rights 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 mt written instructions.

15 U.S.C 1666B : A creditor may not treat a payment an a credit card account under an open end consumer credit plan as late for any purpose.
Product: Checking or savings account

Hello, I have a Bank of The West XXXX  account. Started out as a combo saving and checking account and now they have done away with the saving acc. My checking account was {$16.00} short. I was charged on XX/XX/20 a {$35.00} fee, on XX/XX/20 a {$30.00} dollar overdraft fee, on XX/XX/20 a {$35.00} fee, on XX/XX/20 a {$35.00}? All for the same overdraft? Apparently every time XXXX makes a request for funds I have to pay another {$35.00}.? This is FRAUD. I have repeatedly requested that the bank not process any inquiry when the balance is XXXX or below. They refuse. When I try to get cash from the machine and the account is low, The machine says your request can not be processed at this time?. Why can't they do the same for XXXX instead of robbing me. 

If this is the built in way banks are allowed to rob old people I will be forced to withdraw from this FRAUDULENT SYSTEM. P.s. Thanks for bailing out these Criminals!
Product: Credit card

I have a capital one venture x card - the primary rewards feature of transferring points to travel partners like other airlines is completely bugged. It is impossible for me to convert my points into miles, which is a core functionality of the card and the entire purpose customers apply for it. We are asked to authenticate through a text message which is never sent or received. Many customers are experiencing this same issue. I have checked with customer support multiple times and they refuse to fix this issue. It is absolutely unacceptable.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and updated from erroneous reporting in my file are listed on my credit report. 
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