23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

To whom it may concern, I would like to file a complaint again my mortgage company Bayview Loan Servicing LLC, for violation of The Real Estate Settlement Procedures Act ( RESPA ). I did a modification of my mortgage last year to a XXXX loan and was advised by the Bayview Representative that my Property Taxes and Homeowner Insurance would be paid from my Escrow going forward, I was advised by the Representative to provided Bayview with my Property Tax documents when I received them. In XXXX XXXX I mail Bayview Loan Servicing LLC a copy of my Property Tax documents and I also faxed the same information their office on XXXX XXXX, XXXX, as you can see from the attached documentation. 
In XXXX XXXX, I received a letter from my XXXX Tax Collector advising me that as of XXXX XXXX, XXXX, my taxes were not paid. I then contacted Bayview Customer Service to advise them that my property taxes were not paid. The Representative advised me to fax my information again to the Customer Service fax number, I faxed the information on XXXX XXXX, XXXX, as you can see from the attached documentation. I followed up with a call and was advised it would take XXXX to 60 days for my case to be resolved. I followed up again with a call on XXXX XXXX, XXXX, and was advised that my investigation would not be close until XXXX XXXX, XXXX. Ok, on XXXX XXXX, XXXX I called Customer Service to find out the resolution and was advised I would receive a letter from Bayview regarding my Property Taxes payment as of today I have not received a letter of resolution or any communicating from Bayview and my Property Taxes still is not paid as you can see from the attached and tax amount has increased from XXXX XXXX to current to a larger amount. 
Thank you for your time regarding this matter
Product: Debt collection

We were charged a fee of {$1100.00} as a cancellation fee and should not have been charged. We had no valid contract with the XXXX XXXX company at the time of cancelation and they were given notice of cancelation of services. This company is charging people based under a hidden renewal clause ( Evergreen Clause ) and they do not make the consumer fully aware of this nor do they notify the consumer that they will be auto-renewing their contract once it becomes expired and give them notice as noted by law either via email or written notice which they did not do. I disputed this charge as soon as I got it and had numerous emails back and forth with not only the XXXX XXXX company but also their collection agent A. XXXX from XXXX XXXX. And made both aware of the situation. As of XX/XX/2018, @ XXXX XXXX was given notice via email of release and full credit back of {$1100.00} and zeroing out the balance by the XXXX XXXX agent ( XXXX XXXX ) per our conversation on the phone on XX/XX/2018 and also in an email which I requested. Forward to this date XX/XX/2018and I happen to run a check on our credit reports a few days prior and this very figure was on a bad debt and listed as in collections on our report, hurting our credit. I've notified both agents at their agencies via emails ( several times ) and a phone call to XXXX XXXX ( no answer left v/m ) and the collection agency will be notified as well via phone call that this is to be removed immediately as it should never be listed on there, to begin with. I've had no response from my emails with further leads to my feeling that they did this deliberately. This has been on our credit report at least from the date of XX/XX/2018 or before and hurting us credit wise. This should have never been listed, to begin with, as it was in dispute from our notification from the collection agency and then later resolved and credited by XXXX XXXX. I have all emails detailing this and phone conversation as well. I called numerous times both XXXX XXXX and notified the collection agent to dispute this as soon as I was notified of the issue via mail to dispute it prior to being resolved. I feel that this company and the credit agency have done this deliberately and I also noted to them that the XXXX XXXX company has many complaints of such behavior listed online and reeks of fraud toward the consumer in their practices. XXXX XXXX admitted to me during a phone conversation that they have had many complaints about their contract practices himself. I also had other conversations with other personnel that the contract was incorrect when I've spoken to them in the past, prior to speaking with XXXX XXXX, during the time trying to get this resolved. I would appreciate some help with this issue and they need to be aware that they can not just treat the consumer this way. Please see attached email from XXXX XXXX Agent representing XXXX XXXX resolving us of any debt owed and credited back and zeroing out any debt balance etc. 

Given their past history of lack of follow through I feel they need to be overseen by an agency to ensure that we have no further issue.
Product: Debt collection

XX/XX/XXXX XXXX : United Collection Bureau , Inc., ( USB ) Reference XXXX. 

This is my communications and complaint regarding USB 's continued hazing, lying, unprofessional, and USB has violated the rights of the consumer, and committed fraud. 

USB obtained fraudulent information from XXXX XXXX XXXX XXXX XXXX XXXX in the month of XX/XX/XXXX, via XXXX. USB has misused my personal identity and personal data due to XXXX XXXX data breach of my personal data. 

XXXX has the records of the data breach in the history records due to overseas fraud in XXXX and XXXX. 

This matter is closed. USB is stop immediately. I have secured legal services and investigation at my own cost, I have to carried Identity Theft Protection at my own cost. 

XXXX has a debt to me for legal fees, fraud, professionalism, and data breach in the amount of {$7500.00} USB is acted unethically in research. In addition, I have been notified to make a formal legal complaint to The Department of Consumer Affairs in New York, License number XXXX. 

Respectfully yours.
Product: Checking or savings account

Dates : XXXX Amount : {$830.00} Actions : Filed dispute for unauthorized transactions, provided institution requested documents that support my claim, my banking institution denied the claim, filed multiple rebuttals with no resolution in the foreseeable future.
Product: Credit reporting or other personal consumer reports

PROFFESSIONAL MANAGMENT CREDIT THIS COMPANY HAS BEEN REPORT I DONT KNOW THESE PEOPLE I DONT OWE THEM ANYTHING AND IT NEED BE TAKING OFF I DONT KNOW THEM AT ALL
Product: Debt collection

I just recently became a new Permanent Resident of USA for the very first time and was granted my Permanent Resident Status as of XX/XX/XXXX. I received my SSN Card in the mail 2 weeks after I arrived in the country which was again XX/XX/XXXX. The Issue date on my SSN is dated for XX/XX/XXXX, along with my Permanent Resident card that also confirms and states " Resident Since XX/XX/XXXX which is XX/XX/XXXX. That being said to my surprise I noticed a new Collection Account on my Credit Report that was placed on XX/XX/XXXX, for {$630.00} to XXXX XXXX, with the original creditor being XXXX XXXX XXXX XXXX and indicating the Open Date of this collection account is dated for XX/XX/XXXX. That being said seeing how I was only granted my Permanent Resident on XX/XX/XXXX and arrived to this country on XX/XX/XXXX. It is impossible that I was in the country last year XXXX. That being said. I tried contacting both the Collection Account and the Original Creditor ; the hospital and to my surprise, The name on the original Collection Account has an incorrect name to be mine. Along with an address that was indicated on the account for last year XXXX, which I never lived at. After several going back and forth with both the collection account and the original creditor, I was able to get the account number associated to this collection account it being ; XXXX. That being said I tried several attempts at speaking with XXXX XXXX XXXX Physicians Billing and the Collection Account American Collections and in ALL attempts I have not been helped in having this issue resolved. I also did want to mention that this collection account is also replicated on my XXXX, XXXX and XXXX on both my XXXX and XXXX. 

Please see the attached documents I have provided one of which includes my Permanent Resident Card that I received from XXXX which clearly indicates what I mentioned previously, Resident Since XX/XX/XXXX, which is XX/XX/XXXX.
Product: Consumer Loan

I have been financing a vehicle through Consumer Portfolio Services now since around XX/XX/XXXX. Around XX/XX/XXXX I encountered a situation with this company where they unauthorized took two payments from my bank account, when I only authorized one. They refunded one of those transactions however since that time they have been reporting that I owe for a payment that I do not owe and have not rectified this situation. I have been going back and forth with Consumer Portfolio Services trying to rectify this situation for months now, they have not updated or corrected their records. In addition to that even though I have been paying on this vehicle since XX/XX/XXXX they still say I owe approximately {$10000.00} on this vehicle. I believe their records to be incorrect and am requesting assistance in addressing this situation with this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

Re : XXXX Account Under the Fair Credit Reporting Act 15 USC 1681 this disputed item may not appear on my credit report if it can not be supported by any evidence.I have sent two letters to Creditors and Credit Reporting Agencies to produce evidence ( signed contract, billing statements, payment history ) that the debt is mind and they have not been able to do so. 

Contacted Creditor asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me therefore you are reporting misleading false account. 

I have also submitted my credit card statement where the alleged amount owed was paid and the account closed therefore it is misleading to continue to report fraudulent information on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the website Experian.com, the account XXXX this account brings out it was opened on XX/XX/XXXX and thus in XX/XX/XXXX it says this was paid, yet for a collection account, and possibly terminated for default. 

This Creditor doesn't seem accurate and thus only leaves there old info ; U.S Depart of Edu/ XXXX/ XXXX PO BOX XXXX IOWA XXXX , IA XXXX Could this info be accurate, or an old collection sold to a different deferral student loan? And thus it states the balance amount is {$1200.00}, beginning in XX/XX/XXXX through XX/XX/XXXX, the red marking for late payments mad to this account.
Product: Debt collection

A debt collection company Known as Credit & Collection Recovery Services, INC. also known as XXXX called me and was very rude and harassed me. They said I have two accounts that I need to pay today or legal actions will be taken out on me including getting my local law enforcement involved. I just hung up on this call. The account number they did provide me is for XXXX.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following Inquiries. Block and remove it. 
XXXX XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXXXXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX XXXXDate of Inquiry XX/XX/XXXX, XXXX XXXX XXXXXXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX  Date of Inquiry XX/XX/XXXXXXXX XXXX XXXXXXXX Date of Inquiry XX/XX/XXXX
Product: Mortgage

I have had multiple issues with Selene Finance but the following is only a complaint regarding the escrow account. I had to file for XXXX XXXX XXXX  XX/XX/XXXX after taking over the property from my ex wife. This XXXX  was XXXX the end of XX/XX/XXXX. In XX/XX/XXXX we received an escrow analysis stating there was a surplus of over {$7000.00} but I would not receive the funds due to being in active XXXX. The official cure document filed in XXXX  court on XX/XX/XXXX stated there was a surplus of over {$5000.00}. I received another document in XX/XX/XXXX stating that I had a shortage of over {$2800.00} and that my payment would be going up to cover the shortage starting XX/XX/XXXX from the regular payment of {$870.00} to {$1000.00}. My wife and I immediately started calling to resolve this issue as there was never a check sent to me nor applied to the loan account. The representatives state they escalate this information to the XXXX  and escrow departments but no one ever calls back. We have spoken to supervisors and customer care advocates and their answers are always the same " we see what you are talking about we are still researching this ''. We were told that this would be completed by XX/XX/XXXX but now the date changed again to XX/XX/XXXX as well as " we can not commit to a date '' but I still must pay the additional difference in the meantime. We have emailed their customer care team that we disputed the shortage. No one seems to know where the money has gone. 
From the time of the surplus in XXXX to the shortage in XXXX, only two transactions took place- {$580.00} in XX/XX/XXXX to pay for the property taxes and {$1400.00} in XX/XX/XXXX to cover homeowners insurance for the year. There are suspicious entries on the escrow analysis they provided where it shows a negative transaction of {$17000.00} and a positive entry of {$11000.00}. This has not been addressed although we continue to bring it up with every conversation we have had. I have also included mortgage statements where it varies month to month what is owed. At XXXX point we go from owing the regular payment in XX/XX/XXXX to owing {$21000.00} in XX/XX/XXXX. 

Please advise the next steps as we have had to go so far as to contacting the XXXX  to get a simple payment history, but the information we requested was not provided fully. We asked for XXXX to current and was only provided from XXXX. 

XXXX
Product: Vehicle loan or lease

Had an auto loan with Wells Fargo. Was charged on the loan for extra insurance even though I had to carry insurance on the car myself. Also car was illegally repossessed and then when I filed bankruptcy, was charged illegal fees.
Product: Credit reporting or other personal consumer reports

I am writing to formally submit a complaint against XXXX XXXX  for the following reasons : XXXX XXXX XXXX  has an accurately reported a foreclosure on my home which is a fraudulent foreclosure due to a defecation or a separation of my promissory note and title both are supposed to be held at the county clerk 's office in XXXX XXXX and there is no promissory note attached to the title so this makes it a separation which is illegal and is fraudulent and makes the mortgage know and void. 
XXXX. I also want to report a breach of contract with XXXX XXXX  in regards to my security deed I attempted to resend my security deed because I never gave XXXX XXXXXXXX  consent or consent to my securities interest so this is also security fraud I attempted several times to resend my security deed contract again I never gave XXXX XXXX consent or provided a gift of convenience to my security interest. 
XXXXXXXX XXXX XXXX XXXX has reported inaccurate information regarding my account to the XXXX credit reporting agencies. This misinformation has adversely affected my credit score and financial standing. 
4.misuse of Federal reserve loans I'm concerned that XXXX XXXX  may be abusing loans obtained from the federal reserve XXXX It appears that these funds are not being utilized in a manner consistent with the ethical banking practices, particularly in relationship to my account. 
XXXX. I also want to report abusive insurance policy ; the bank charged me while collecting on the insurance policy that was supposed to ensure my account this practice appears to be abuse of insurance coverage and has resulted in additional financial burden on my part.
Product: Credit reporting, credit repair services, or other personal consumer reports

victim of id theft these are the accounts that are not mine XXXX XXXX balance XXXX opened XXXX, XXXX XXXX XXXX balance XXXX opened XXXX XXXX XXXX/XXXX XXXX balance XXXX opened XXXX XXXX XXXX XXXX  XXXX  balance XXXX opened XXXX XXXX XXXX XXXX XXXX  XXXX balance XXXX opened XXXX XXXX XXXX XXXX a balance XXXX opened XX/XX/XXXX
Product: Checking or savings account

XXXX is not resolved. The company keeps having XXXX call and harass me. But I worked with her before and it ended in a screaming match. She doesn't have my account 's best interest at heart. I have a pending credit of {$44.00} that is showing on my account activity but the money isn't in my account. Where is that money? And where is my refund for the {$110.00}? Can something else be done to this company instead of them getting constant complaints and then choosing to do all they can to pretend they are fixing things when they don't and won't.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called in XX/XX/2016 to make the final mortgage payment on my account with Huntington National Bank. They told me the payment amount due which I paid in full. Several months later ( XX/XX/2016 I believe ) I received information stating I owed a balance, at this time it was placed with their debt recovery department and was in a charge off status. I went ahead and paid the amount in full hoping that would satisfy my obligations. I received another call stating I still yet had a small balance and again paid that in full. 

Now I'm looking at my credit report for the first time since and see they are showing a balance on my account and have reported it as charged off. I filed a dispute, Huntington corrected the amount it said I owed to XXXX  but refused to change the charge off status to paid as agreed. The only reason it went to charge off was because I was not given the correct amount not once, but on two separate occasions.
Product: Credit reporting or other personal consumer reports

RE : XXXX  Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that 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  - XX/XX/XXXX XXXX. XXXX  - XX/XX/XXXX 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 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  XXXX XXXX. XXXX XXXX  - XX/XX/XXXX 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 Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

TransUnion has failed to meet its legal obligations under the Fair Credit Reporting Act ( FCRA ) by neglecting to conduct a reasonable reinvestigation of disputed information on my credit report. As a result, inaccurate or unverifiable accounts remain unresolved, negatively impacting my credit standing. 

The Consumer Financial Protection Bureau ( CFPB ) recently filed a lawsuit against XXXX, citing systemic violations, including the failure to forward consumer-provided evidence to furnishers, reliance on unreliable responses, and insufficient notification to consumers regarding dispute outcomes. My experience aligns with these allegations, as TransUnion has refused to correct or remove disputed items despite the evidence I submitted. 

This ongoing failure to address the inaccuracies violates federal law and infringes upon my rights as a consumer. I am requesting immediate corrective action to amend or remove the disputed accounts in compliance with the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Experian by phone on XX/XX/XXXX to ask that they delete an address that was listed as a past residence for me and the address is a commercial office building which is my place of work. On XX/XX/XXXX I got a credit alert that my XXXX score had dropped by XXXX points. When I read the detail of the dispute I found that the Experian representative did not remove the inaccurate information, they listed my place of work as a multifamily dwelling. I am writing this email from my office and I can assure you that this building has never been a multifamily dwelling and that is a matter of public record. I have attached a photo and anyone can look this up on XXXX maps.
Product: Money transfer, virtual currency, or money service

I bought a car that upon receipt I discovered was obviously and totally falsely advertised. I requested a refund to use the money towards repairs. They would not do so and illegally withheld my money in the amount of {$7800.00}. They are obvious scammers and liars. Everything from them was a lie. Wells Fargo then said their bank would not give me back the money. That is not my problem, the bank has a duty to protect my money from all scams and that is a contractual obligation. They committed federal crimes in not returning my money promptly upon learning of the scam. The scam was obvious and many many people have reported it. It was a used car scam. There is no excuse that the bank will not award me my money they must get it back for me however they have to, police, FBI, etc.
Product: Debt or credit management

XX/XX/XXXX -We started getting collection notices in XXXX. 
-We paid the total amount owed on XX/XX/XXXX in the amount of {$1000.00}. 

-After that the amounts and dates were withdrawn from our bank account were as follows : XX/XX/XXXX - {$43.00} XXXX/XXXX/XXXX - {$43.00} {$44.00} per month for the period of XX/XX/XXXX through XX/XX/XXXX per month. 

XX/XX/XXXX - {$45.00} XX/XX/XXXX - {$89.00} XX/XX/XXXX - {$500.00} XX/XX/XXXX - {$45.00} XX/XX/XXXX - {$45.00} XX/XX/XXXX - {$46.00} XX/XX/XXXX - {$45.00} XX/XX/XXXX - {$470.00} XX/XX/XXXX - {$46.00} XX/XX/XXXX - {$46.00} XX/XX/XXXX - {$46.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted several disputes to the credit bureau XXXX  XXXX  and XXXX  to investigate information on my credit report. They have repeatedly sent me template letters with no document verification of there results. I have also mailed the creditor and they refuse to do the same. Under the fair credit act it states all information should be reported accurately and I have the right to request supporting ( original and current ) documentation.
Product: Debt collection

I get phone calls all day from them. They leave messages saying they're issuing a warrant for my arrest. I told them before I could only pay at least {$30.00} per month, more if I could, if they could agree to send me a monthly bill. They agreed but never sent a bill. So I keep getting threatening messages. I've tried to resolve this but they aren't sending me bills like they agreed to.
Product: Payday loan, title loan, or personal loan

This account is an fraudulent account.