23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

On our about, XX/XX/XXXX, I received noticed from LoanDepot that they did not have my current policy on file. I immediately updated LoanDepot with my insurance policy through their insurance portal. Subsequently, my loan was transferred from LoanDepot 's New Jersey service center to their Texas service center in XX/XX/XXXX. When the transfer was made, two errors occurred : 1 ) I received a notice of an escrow shortage of {$780.00}. I called LoanDepot and they said it was because they did not receive a full refund from the insurance carrier they used to place force insurance and that was because they said I had a lapse in coverage. I informed the service rep that I do not have a lapse in coverage and that the LoanDepot insurance department is in receipt of my Insurance Declaration page which evidences insurance from XX/XX/XXXX to XX/XX/XXXX. 

2 ) My XXXX automatic payment, which is scheduled to come out automatically on the XXXX of every month, was deducted on the XXXX. I have not changed my authorization since I authorized it in XXXX and payments should not be deducted until the XXXX. 

I called on XX/XX/XXXX and spoke with XXXX XXXX and sent him the declaration page of the insurance to his email at XXXX and no one is able to help. I called again today, XX/XX/XXXX and spoke to a women at the escalation department for escrow services and she sent me back to New Jersey. New Jersey phone services won't connect me because the loan is no longer in New Jersey, but Texas. 

I have now spent hours on the phone trying to resolve this to no avail. I want the escrow shortage removed because it is assessed in error.
Product: Credit card or prepaid card

I have disputed a charge from XXXX USA for {$440.00} because I did not receive/order the item XXXX forwarded a statement to AMEX showing the merchandise was delivered. 
Instead of SIGNATURE,, it was showing a TYPED name. 
I redisputed the charge but AMEX rejected my dispute.
Product: Vehicle loan or lease

The debt was paid in full through a court order case number : XXXX I don't think it's fair that this continues to be reported since, as I said previously, that debt was paid in full.
Product: Debt collection

The company stated it was illegal to delete the account according to the Fair Credit Reporting Act and that statement in itself, is actually a violation of the Fair Credit Reporting Act '' or " the company agreed to delete the account for payment, after the fact they said they will not delete the account and therefore violating our original agreement ''.
Product: Mortgage

We purchased our new home in XXXX 2015. We later found out, almost 1.5 years later, that our home resides in a special tax assessment area called the XXXX XXXX XXXX XXXX XXXX ( XXXX for short ). This XXXX carries with it special tax burden that was not explained to us nor was it disclosed in the residential mortgage loan application, the purchase contract, the deed of trust, the truth-in-lending form, the good faith estimate, or any other legal document that such a property tax should have been disclosed in. The tax ultimately amounts to approximately {$53000.00} over the life of our 30-year mortgage, and the yearly assessment is expected to go up 2 % each year until the entire amount is paid in full. Many residents have contacted various entities involved with disclosing this information, such as the developer, XXXX, the home builder XXXX, the settlement company ( a subsidiary of NVR Mortgage ) and we have been very disappointed with the responses from each individual party.
Product: Debt collection

Upon checking my credit report I noticed that a collection agency by the name of Diversified Adjustments Service , INC. had reported a debt in the amount of {$710.00}. On XX/XX/2018 I sent a direct dispute to this collection agency requesting Validation of the debt with an original contract bearing my signature and a agreement with the creditor that authorizes them to collect on this alleged debt, complete payment history and proof that this agency is licensed to collect in my state. I received a letter dated XX/XX/2018 labeled as " Itemized Statement " showing no contract or anything for that matter with my signature on it but a list of charges totaled at {$710.00}. On XX/XX/2018 I sent Diversified Adjustments Service, INC. another certified letter stating again to send me validation of debt and original contract bearing my signature by XX/XX/2018 which they have still failed to do and if they could not do so completely delete and remove this collection from my credit file with XXXX, XXXX and XXXX XXXX. I have the right to obtain validation of debt under the Fair Debt Collection Practices Act ( FDCPA ) and this company has failed to provide me with that. After sending them the second letter on XX/XX/2018 I have not heard anything from this company but the information still remains on my XXXX, XXXX and XXXX XXXX credit file. I have attached all means of communication from me and Diversified Adjustments Service, INC..
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. 
Account name : # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US DEPT ED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting or other personal consumer reports

These credit inquiries were done fraudulently, I did not authorize these. 

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 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 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 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 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 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 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 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 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 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

Applied for a modification with XXXX XXXX XXXX, completed the trial steps, then in the middle of the final step, was transferred to a new servicer ( caliber home loan ) who processed my modification for 2 to 3 months with no answers, then sent a package for permanent status Modification in XXXX with a due date for payment XXXX XXXX, 2016, then I sent the package back with payment, but they 're saying I had to make a payment also for XXXX XXXX, WHEN I got the papers in XXXX. ( A month later ) And the first payment after XXXX would be due 8 days later!!! But also that XXXX payment ( a month ago ) is also due. Putting us back in the same hardship!!
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( XXXX ) that I have made. It is the result of identity theft. 

[ Identify item ( XXXX ) resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc. ] Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 

The following inquiries and accounts are unauthorized or inaccurate, and I ask that you delete them at once... 

NOTE ... Inquires and accounts marked ( * ) from THESE LENDERS NEED DELETIONS 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 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 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 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 I don't recognize these lenders and I don't remember authorizing them to perform a hard inquiry nor did I authorize any new accounts on my credit report Act , I demand that these items be investigated and removed from my report Please remove any information that the creditor can not verify and show permissible use NOTE... I understand that under 15 U.S.C. Sec. 1681 1 ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

are all unauthorized an have no Permissible written consent nor did I benefit off of any of these transactions XXXX15 U.S.C 1681 section 602 A. States I have the right to privacy. 

XXXX15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions XXXX15 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. 

XXXX15 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if- ( 1 ) the person, has been notified by the consumer, at the address specified by the person for such notices, that specific Information is instead inaccurate ..... 

NOTE ... FTC REPORT ATTACHED... 

Thank you for your time and help in this matter. 

Sincerely. 
XXXX XXXX
Product: Mortgage

this loan servicer was involved in not only adding insurance to my loan when I already had insurance through my main mortgage but dual tracking and trying to foreclose on my home. I have complained about this in the past and nothing seems to being done against them. I had a heloc with another company and it was handed to Specialized Loan Servicing, since I had filed a bankruptcy I received no statements from this company and was not aware my loan was due to mature. Additionally since I had modified my mortgage this loan moved to the first position on my home. I tried for 2 years to get them to modify this loan and through numerous sets of paperwork. There was always something missing. They put my home on the fast track for foreclosure and I had to file Chapter XXXX bankruptcy to keep my home. I reached out to a lawyers office who had filed a class action lawsuit against them for doing the same thing they did to me. The lawyer told me while they did agree this company was engaged in dual-tracking of my loan, but because the loan was a HELOC it didn't fall under RESPA. I believe the actions of this company were solely because of the amount of equity I have in my home. How can they still be doing business in California?
Product: Credit reporting, credit repair services, or other personal consumer reports

Applied for new job and Equifax Report is inaccurate in few areas. My work history on there is from XX/XX/XXXX or so. It is not current. Also, my house sold on XX/XX/XXXX and it does not show on my report. I need to have my information updated. 
I have reached out to Equifax through their site Trusted ID and dont know how to get a hold of them to resolve my inaccurate information that is hurting my chances to find employment. 
Thank you for any assistance or guidance you can give
Product: Credit reporting or other personal consumer reports

I am writing to dispute account on my credit report that were made whithout my consent. According to section 604 of the FAIR CREDIT REPORTING tosection act ( 15U.S.C 168 1B ), there are specific permissible purposes for obtaining a credit report. I did not authorize these account and can not find any permissible purpose under this section that justifies their presence on my report 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: Credit reporting, credit repair services, or other personal consumer reports

ftc violations attached and case studies pertaining to my case as follows : XX/XX/XXXX - The 4,500-employee company, which started in XXXX, started offering credit to consumers in XXXX. These lawsuits allege XXXX 's violated federal telecommunication laws prohibiting telemarketers and debt collection agencies from calling consumers ' cell phones using automatic dialing systems without their express consent. 

The Fair Debt Collection Practices Act, Pub. L. 95-109 ; 91 Stat. 874, codified as 15 U.S.C. 1692 1692p,  approved on XX/XX/XXXX is a consumer protection amendment, establishing legal protection from abusive debt collection practices, to the Consumer Credit Protection Act, as Title VIII of that Act.

The federal fair lending lawsthe Equal Credit Opportunity Act and the Fair Housing Actprohibit discrimination in credit transactions, including transactions related to residential real estate. ... Lending acts and practices that are specifically prohibited, permitted, or required are described in the regulation. ( violated my civil rights or lied to me ) Truth-In-Advertising. ... The Federal Trade Commission ( FTC ) regulates advertising and marketing in the United States and has the authority to file lawsuits and impose penalties against companies that do not comply with its rules. Generally, the FTC requires that : Advertisements are truthful and not deceptive.XX/XX/XXXXall companies listed violated all the above FTC violations
Product: Money transfer, virtual currency, or money service

One day I have gotten a call which my phone had said it was Navy federal itself. The person itself had said have I ever had unwanted payments on my account and listed some payments that later on I realized it was fake, but at the time I said yeah. He said to give him the credit card number and I did.

The fraud caller said there were and I needed to transfer the money to " Navy Federal '' so they can give it back to me with the " extra '' money in a day. I transfer all of the money in my savings to my checking 's ( XX/XX/XXXX ), then transferred the money to a XXXX to a XXXX that said Navy Federal with a verified check too. Sending the money to that address like that had failed and the fraud caller instructed me to put it into bitcoin and send it to " Navy Federal. '' I sent the combined money of my savings and checkings of {$3400.00} ( XX/XX/XXXX ). I had a bit more money in my account afters an amount of {$520.00} which the fraqud caller called me two days later ( XX/XX/XXXX ) and made me send the money by XXXX  on XXXX  too. The fraud caller said the money will come back to me in a day or two. Which of course never did The number which he had called and texted me from had been deleted with me having almost no money in my account afterwards The first fraud claim was for the {$520.00} which I had gotten credit back but not long after Navy Federal took it away saying there was no fraud involvement even after showing the screenshots of the caller, and the XXXX. I also sent a fraud claim to Navy Federal for XXXX but they had denied it saying there was no fraud involvement. I had sent an appeal but it was denied without them sending me email, I was waiting for months until I called not long ago.
Product: Vehicle loan or lease

Purchased a new XXXX in XX/XX/2019. Financed through Toyota Financial. Told and shown that I can may additional payments towards  principal of the loan without penalty. This is accurate however, you can not use online bill pay or the website provided by Toyota to  make additional principal payments. Any additional payment is automatically applied towards your next payment. There is information that says if you want to make an additional payment towards principal you need to mail in a check! Who uses checks anymore? Or you can call them. So I called them and told them that I want every additional amount to be applied towards the principal. Can't do that. You have to call in every single month if you want it applied or mail a check. How in this day of computers can't you not take an additional principal payment? Sure they will take the extra payment but you have to jump through hoops to make it happen. How can this be legal? It is like they don't want people to pay their loans off early. How is this not predatory?
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I am recent victim of identity theft. Please remove these fraudulent items for the final time because of identity theft. I have recently reviewed an extensive copy of my credit report included dark web alert ( XXXX ) with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on, XXXXXXXX XXXX XXXXXXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX, and they need to be deleted/removed from my credit report. I also recieved an alert on my XXXX  account that a recent account has been opened with my social security number at XXXX XXXX XXXX, The claim # is : ( XXXX ) that does not belong to me. Please help. 

THESE ACCOUNT LISTED BELOW ARE NOT MINE. I ALREADY FILED A IDENTITY THEFT REPORT & POLICE REPORT WITH MY LOCAL POLICE DEPARTMENT AND FTC.GOV. 

FTC REPORT # : XXXX THE POLICE REPORT # : XXXX I DEMAND THESE ACCOUNTS LISTED BELOW THEY NEED TO BE DELETED/REMOVED OFF MY CREDIT REPORT IMMEDIATELY! .They do not belong to me. Delete & BLock immediately! 


Collection Account : XXXX XXXX XXXX ( CREDIT CARD ACCOUNT ) Account Number : XXXX XXXX delete it from my credit report. 
Date Opened : XX/XX/XXXX Collection Account : XXXX XXXX XXXX ( CREDIT CARD ACCOUNT ) Account Number : XXXX XXXX delete it from my credit report. 
Date Opened : XXXX XXXX, XXXX Thank you for your time and help in this matter. Sincerely, XXXX XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has come to my attention that, although I have written several letters, asking for validation of that, audit trail, I am not getting any responses because of the automated system you have in place, which in fact is a violation as well. I am demanding these accounts to be removed immediately off my credit report, as it is in violation of the federal Constitutional laws.

15 USC 1681 ( a ) ( e ) 15 USC 1691 15 USC 1692 15 USC 1601 I am rich, I am afraid the three credit reporting agencies have not been exercising the grave responsibilities that were given to them with fairness and partiality and respect for the consumers privacy. I did not give consent to these accounts be published they did not have my permissible purpose.

I have remained, how old is by the dress abuse in harms that the three credit reporting agencies have done to me.
Product: Checking or savings account

Alerted Bank of America of fraudulent activity on my account on XX/XX/2022. 

No money was credited during investigation and claim was denied with no message or reason why, after waiting 5-7 business days.
Product: Credit card or prepaid card

On XX/XX/2020 I called Synchrony Bank ( CareCredit ) to pay my balance in full. I was instructed that there was a {$10.00} charge to pay over the phone. I agreed to the charge, as I wanted to make sure my balance was paid in full, the reason I called in the first place. I thought this {$10.00} was being added to the large payment I made that day, I went about my life thinking my account was paid in full. 
On XXXX XXXX, I was conducting a check on my finances and saw that my credit score had dropped nearly 100 points. Alarmed, I quickly searched for the source of the drop. I found that on XX/XX/2020, Synchrony Bank had ( unbeknownst to me ) charged the {$10.00} pay by phone fee to my credit card account. I was completely unaware of the charge, thinking I had settled my debt in it's entirety the day prior. 
Synchrony Bank subsequently charged me a late fee and two interest charges as a result of their {$10.00} pay by phone fee. I was unaware of this, as I was told my balance was paid in full and was not monitoring any statements coming through my email. CareCredit regularly sends tons of advertisement emails and spam, so I was not on the lookout for any statement emails that may have come through and must have deleted them. 
I made contact with the company on XXXX XXXX, 2020 and spoke with customer service agent, XXXX. I spent 1 hour on the phone with him. After several long hold periods, He informed me that they were willing to remove the late fee, but that I was still responsible to pay the {$10.00} pay by phone fee from XXXX, as well as {$4.00} in interest from that fee. 
Though I am unhappy with this result, I agreed to pay the {$14.00} to avoid further damage to my credit report. The company also agreed to send a letter to the credit bureau on my behalf. 
I feel the company has taken advantage of me as a consumer and also done significant damage to my credit report. Prior to this incident, my credit score was over 750. 
Had I been made aware that this " convenience '' fee was going to be so inconvenient, I would have never agreed to pay it. I only paid it to insure that my balance would be at {$0.00} following my phone call.
Product: Credit reporting or other personal consumer reports

My identity was compromised and involved in multiple data breaches. Many accounts were open in my name. This account is showing on my credit report as a charge off with a balance. I demand that it be removed immediately under FCRA 605B
Product: Credit card

XXXX charged my Apple credit card 10 times for {$99.00}. Each {$99.00} was for an entire year subscription to XXXX. So XXXX charged me close to {$1000.00}. I contacted XXXX and XXXX stated that they never charged my Apple account and I should take the issue up with my credit card. In XXXX of this year I began disputing 10 different times XXXX charged my card. Apple told me that it takes 90 days to process. My disputes were repeatedly ruled in XXXX favor. I provided supporting documentation to both parties. Neither are willing to resolve the issue in my favor and now Im out of {$1000.00}.