23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute an inaccurate late payment entry on my credit report. Upon reviewing my credit report, I noticed that XXXX XXXX XXXX XXXX has reported a late payment for the account on XX/XX/XXXX. This information is only illustrated on my Experian report.However, I believe this information is incorrect for the following reasons : I made the payment on time, and I have attached proof of payment. Not to mentioned, my due date is XX/XX/XXXX. My last payment was made on XX/XX/XXXX and for the XXXX payment which was paid on XX/XX/XXXX. I would further like to dispute the following late payments : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

Attache, I have included copies of relevant supporting documentation, such as payment confirmations, bank statements, or correspondence with the creditor. 

Under the Fair Credit Reporting Act ( FCRA ), I request that you investigate this matter and remove the incorrect late payment entry from my credit report. I also request a written confirmation of the results of your investigation. 

Please update my records and send me an updated copy of my credit report reflecting the correction. If you require any further information from me to facilitate this process, please let me know at your earliest convenience. 

Thank you for your prompt attention to this matter. I look forward to your response within the 30-day timeframe as required by law.
Product: Mortgage

When I purchased my home in XXXX of 2018, there were two separate parcels as part of the sale, my home and a contiguous piece of land. These had two different parcel numbers under the same address with a total real estate tax amount of {$12000.00}. ( {$740.00} + {$12000.00} ). Unbeknownst to me, someone had mis-entered the 2nd smaller parcel 's number on my mortgage account for my escrow and my next door neighbor 's property was listed in my escrow account as the second parcel on my property. This resulted in the mortgage company ( Ditech ) paying for the real estate taxes for both my house and my next door neighbor 's house with the second smaller parcel on my property 's taxes not being paid properly. This error was in the amount of {$9100.00}. As a result, my escrow account was completely depleted and an escrow analysis was then performed resulting in an increase of my monthly mortgage payment from {$3600.00} to {$5500.00}. I tried several times via phone and email to reach Ditech only to receive a letter in the mail stating they had 30 days to research and resolve the problem. However, this 30 days has since come and gone.I 've just now called the tax assessor 's office ( XX/XX/XXXX ) and they have indicated that there has been no attempt to correct the error on my account. 
In the interim, Ditech transferred my loan over to another company called New Rez. They are now demanding the monthly payment of {$4900.00} because that was the last amount sent to them by Ditech as the amount I owed with no mention of this pending investigation. I have called New Rez to apprise them of the situation and sent an email requesting that this be investigated as well. This new payment was due on XX/XX/XXXX and I have a 15 day grace period to pay the amount but they told me that I would be penalized if I did not pay the full amount.
Product: Credit reporting, credit repair services, or other personal consumer reports

On or about XXXX XXXX, my information was improperly used to attempt to open a line of credit with XXXX XXXX XXXX. I had made no application with them and I contacted them to notify them that this was fraud. 

I was advised to place fraud alerts onto the 3 major credit reporting agencies. Equifax, XXXX XXXX XXXX. When I contacted each of them to place this alert, only Equifax then redirected me to sales to attempt to sell me credit protection services for over $ XXXX. I wo n't even go into how tone deaf the person was and their attempt to trick me via standard telemarketing tactics. I will say it does n't surprise me that at all that they would resort to the same slimy tactics as fake vacation voucher reps. 

I then placed freezes on all 3 reporting agencies. For the privilege of not having my identity stolen through a service they provide without my consent, I was charged {$10.00} by each of them and will be charged more to have it removed. 

Fast forward to yesterday XXXX/XXXX/XXXX when Equifax announces they had a major data breach in XXXX. I am very careful with my information and find it more than a little likely that chain of events went a little something like this. 

Equifax provides negligent stewardship of high value personal information for millions of people. Hackers steal it. Equifax then tries to sell me the privilege of having them protect me from the situation they themselves caused. When I want to tell them to not provide this information without my advanced consent, Equifax charges me {$10.00} to freeze it and I can pay to have it unfrozen later if I need it. Then to make sure no one has used my identity for any other fraudulent activity, I can either wait 6 weeks for them to send me a report or I can pay them more money. 

Equifax should not be permitted to sell services that protects from their own negligence and the extremely poor security around the core consumer credit market. Identity theft is trivial because the brunt of the damage and liability is not borne by the companies whose duty it is to protect. 

Legislation should be introduced that requires real security on credit portfolios and proper identification of the borrower before credit lines can be opened. The credit card companies finally figured out that they have to do something about the fraud because they were on the hook for it. It 's time for the credit reporting companies to feel the same pain or this will never end.
Product: Mortgage

I refinanced my Bank of America Home Loan with a new lender called XXXX, the new loan funded on XX/XX/XXXX. I had an escrow/impound account with BofA and was informed i would receive the funds within twenty days of loan being paid off which is in compliance with Ohio state law. 
Unfortunately, the funds were not delivered within the legal time frame. I called BofA on many occasions requesting the funds and was given excuse, after excuse as to why the funds haven't been released. 
The total amount to be refunded was {$3500.00}. After many calls, escalations, etc. i finally received {$3200.00} on XX/XX/XXXX. 
The funds received were short {$380.00}. I've escalated this matter with multiple supervisors, escrow specialists and have been left in the dark for weeks. I finally received the remaining balance of {$380.00} on XXXX.
Product: Credit reporting or other personal consumer reports

I have contacted this credit bureau to delete any and all items on my consumer report that I the consumer had no knowledge of or consented to..said company are not performing there duties and all adverse on derogatory marks that I the consumer may have had because I did not consent to any companies accessing my credit report .. and also remove all non mailable address except my current
Product: Credit reporting, credit repair services, or other personal consumer reports

Good day. i was going through my credit report when i noticed an unauthorized inquiry on my report, according to FCRA Fair credit reporting act, Legally this unverified and Unauthorized items must be removed or deleted from my credit report.
Product: Payday loan, title loan, or personal loan

I was approved for a loan on XX/XX/XXXX they ran my credit then so I went to pick up the check and was ready to sign Mr XXXX at one main financial came back and said he couldn't do it because, he said I put a XXXX instead of XXXX on my social security number which was a lie because I was altered by credit karma that he ran my credit again that's 2 hard inquiries on my credit report and I'm trying to get a loan to pay off my credit debt. He insisted that I did it not knowing I also have XXXXXXXX XXXX  working on my credit as well. So I said I would like to see my application to see if it was true he wouldn't show me.So that was on XX/XX/XXXX I called today and spoke to the manager and thought she would resolve this nope nothing. She said she would send me copies so I can contact the credit agency so it would be just one hard inquiry not 2 .she never did it and I record my calls plus my wife was my witness. I really feel I was discriminated against by the way we looked plus I'm XXXX on XXXX Before we left he asked if we had a car title which was strange we said no and left. The business is called onemainfinancial in XXXX XXXX XXXX XXXX XXXX manager XXXX. Associates XXXX. I just want that extra hard inquiry off my credit report.I have a XXXX XXXX under ga law o.c.g.a 30-5-3 you can't take advantage of the XXXX XXXX.
Product: Debt collection

Constantly calling saying I will regret not paying them and cussing me out and now that I dont answer to them they just keep calling everyday, I try to block the number because I feel harassed and they just call with another number cussing me out.
Product: Credit card

Due to the XXXX of XX/XX/XXXX and a severe loss of income, I could not pay my credit cards. No one would work with me and I ended up being summoned to court. I could not afford an attorney. The cards were all bundled together and the attorney representing the credit card company offered me a re-payment agreement that would span 3 years. He told me to sign it and make the monthly payments, determined by him, for 3 years and said that would be the end of it. I signed it and the judge approved it. There was no discussion about forgiving anything. They said - pay what you owe and I did. I worked very hard to make the payments from the XX/XX/XXXX-XX/XX/XXXX time frame until XX/XX/XXXX-XX/XX/XXXX. During this time, my husband had to file bankruptcy and we had to short-sale the house because again, no one would work with us. Not the homeowners relief program, NO ONE. I never received any further communication from ANYONE. Now we fast-forward to XX/XX/XXXX and Bank of America sent me a XXXX form stating that they are " forgiving '' {$12000.00} of debt! There is no possible way this could be my debt. What I am saying happened, is that since I was under the impression that this matter was resolved and I made 3 years worth of payments, I thought it was over. No one has contacted me since that day in court almost 9 years ago. So what was Bank of America doing to me behind my back? Adding on late charges and penalties and fees every month, while making absolutely no effort to contact me so that perhaps this could have been resolved and now, almost 9 years later they are " forgiving '' {$12000.00} of debt? How can this even be legal? How am I going to pay taxes on this now? I am XXXX years old and I am not made of money. Please make them rescind this form. I do n't have the income to justify a credit limit of {>= $1,000,000} on XXXX card. In my opinion, this is fraud. Is Bank of America trying to manufacture write-offs? I do not know HOW I will pay this tax bill either. What is next - debtor 's prison??????
Product: Credit card or prepaid card

On XX/XX/2022, I began a My Chase Plan for a {$2400.00} purchase. The terms of the My Chase Plan were XXXX  payments of {$130.00} with no monthly fee. 

On XX/XX/XXXX, my Interest saving balance for my credit card was much higher than expected, and for some reason a large part of the My Chase Plan principal was lumped with this month 's Interest saving balance, leaving a remaining principal of {$190.00} for an 18 month term loan that was originated only ~3 months ago on XX/XX/2022. 

I contacted Chase via phone on XX/XX/XXXX and they said there is nothing they can do to assist, sticking me with a monthly obligation of ~ {$2000.00} higher than expected.
Product: Vehicle loan or lease

On XX/XX/10 I made a XXXX party payment from my bank ( NOT USAA ) to my auto loan ( WHICH IS THRU USAA ). I listed my account number and all info needed. Ive been on the line with multiple USAA reps for the past 2 days with no resolution. For whatever reason the payment was sent to USAA XXXX XXXXy, Ive never had a mortgage. Ive requested a supervisor multiple times through USAA as well as the mortgage company with no help. I have a payment for over $ 2k that has cleared my balance account and cant get it applied to my USAA XXXX loan because the reps have failed to get me to the correct place. XXXX beyond frustrated at this point.
Product: Debt collection

I received a phone call on XX/XX/2018 from Diversified adjustment services regarding a sprint bill from XXXX.When I told the woman over the phone that I couldn't pay it she interrupted me started cussing in a threatening manner I then hung up. She has since been calling my phone several times a day, sometimes more than once in an hour through out the day. This has been going on at least 3 times a day since and at one point she called me FIVE times in one day. This is not professional and is starting to be harassing and threatening. I called this company on XX/XX/XXXX to make a complaint and was cut off and told I needed to settle my debt before they would transfer me to the supervisor. I have my phone records if needed to prove it
Product: Money transfer, virtual currency, or money service

I was trying to activate my US Bank Visa Card ( Debt ) though XXXX XXXX   without singing in to my online banking. The problem I am having with problem with visa about their products and services I been scammed by their rules about activating my card though email and without using SMS and they advertise " SELF-SERVICE '' but it is not self service I gave my email for activating my debt cards though that service without logging in to online banking my MAIN source for using my cards IS email I NEVER USED ANY ONLINE STUFF TO ACTIVATE MY CARDS ITS ALL DONE BY XXXX XXXX  AND EMAIL NO NEED TO LOG IN OR CALL MY BANK TO ACTIVATE IT FOR ME I NEVER HAD THIS PROBLEM WITH MY MASTER CARDS ISSUED BY A OTHER BANK I CALL IN TO US BANK AND NEVER FIX THE PROBLEM I BEEN SCAMMED BY VISA AND US BANK
Product: Debt collection

I bought a vehicle in XXXX? The vehicle was a XXXX XXXX XXXX. I purchase the vehicle from U S Auto Finance. I purchased the vehicle with gap insurance. The vehicle started to have multiple problems after thirty days? One of the major problems was the head gasket?? I called U S Auto finance and explained the problems! U S Auto gave me the run around, transferring me to different numbers who couldnt fix the issue? Not knowing what to do? I had the car towed to a nearby mechanic shop? Where I was still making bi weekly payments on the vehicle! Still calling U S Auto finance! With no response from U S Auto finance. I was put in medical leave, due to high risk XXXX! Once again I called U S Auto finance and told them they could pick up the car! I gave them the address to the mechanic? They picked the car up about two weeks later? I never received a Bill of sale a letter about payments or how much was owed on the vehicle? Theres no proof of any kind showing that this amount is still due!! I dont know if the car was sold? And if the car was sold how much was the car sold for?? Because its showing on my credit the same amount financed!! How is this possible when I was making payments and my gap coverage should have cover the balance. I believe this company is fraudulent. And they need to prove this car wasnt sold and still charging me the full total of this vehicle
Product: Credit reporting or other personal consumer reports

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : XXXX  Account Number : XXXX XXXX  XXXX Bankruptcy Case Number : XXXX XXXX Account Number : XXXXXXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX Balance : {$2.00}, XXXXXXXX XXXX XXXXXXXX Balance XXXX {$4.00}, XXXX XXXX XXXX XXXXXXXX Balance : {$4.00}, XXXX
Product: Credit reporting 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 Account name : XXXXXXXX XXXX Account name : XXXX Account name : XXXX XXXX Account name : XXXX XXXX  Account name XXXX XXXX XXXX XXXX Account name : XXXX XXXX Account name : XXXX  Account name : XXXX XXXX XXXX Account name XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX Account name : XXXX XXXX XXXX Account name : 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 sold my mortgage to newrez mortgage and newrez said that XXXX did not take enough money for my escrow, so now I have to pay an extra {$300.00} on top of my regular mortgage payment, and I have to pay it for almost a whole year! I'm retired but have to back to work because of it.
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : XXXX - Account Number : XXXX Account Name : XXXX XXXX - Account Number : XXXX Account Name : XXXX - Account Number : XXXX Account Name : XXXX - Account Number : XXXX Account Name XXXX XXXX - Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX Account Number XXXX XXXX Account Name : XXXX - Account Number : XXXX Account Name : XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX  - Account Number : XXXX Account Name : XXXX - Account Number : XXXX Account Name : XXXX XXXX XXXX  - Account Number : XXXX Account Name : XXXX  - Account Number XXXX XXXX Account Name : XXXX - Account Number : XXXX Account Name : XXXX XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX Account XXXX : XXXX Account Name : XXXX XXXX  - Account Number : XXXX Account Name : XXXX XXXX  - Account Number : XXXX Account Name : XXXX XXXX  - Account Number : XXXX Account Name : XXXX XXXX  - Account Number : XXXX Unauthorized inquiries : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Consumer Loan

MAVERICK FINANCE PAID IN FULL DELETED THAN REINSERTED. IT WAS TAKEN OFF THE BUREAUS THAN PUT BACK ON. XXXX ITS BEEN PAID
Product: Credit reporting or other personal consumer reports

I am writing in response to your notice about an alleged debt : XXXX XXXX XXXX XXXX XXXX XXXX Before I can confirm or dispute this debt, I am formally requesting additional documentation under the Fair Debt Collection Practices Act. 
Please provide the following within 30 days : A copy of the original signed purchase agreement, contract, or other documents showing that I entered into this debt voluntarily and that you are the legal owner of this debt. 
A full accounting of the debt, including the original creditor, the amount owed, interest rate, fees, payment history, and the date you acquired this debt. 
Your license and credentials to collect debts in GEORGIA. 
Written notice of my rights to dispute the validity of this debt within 30 days under the FDCPA. 
I expect this requested information to be provided in full before I can respond further on this alleged debt. Please send physical copies of all documents to my address below. I look forward to your response within 30 days as required by law. 
Thank you for your cooperation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had my identification stolen and someone was able to take out a auto loan by XXXX XXXX in my name for years ago I tried to dispute it with Experian by releasing a copy of a police report and Experian and XXXX XXXX  refused to take the car loan off my credit report.
Product: Mortgage

Citizens Bank charged {$600.00} in interest for a payment that they received on the exact day and charged our interest for 18 months without our knowledge. This was for an escrow correction, so the check was sent in the mail instead of being sent electronically like it usually was. They acknowledge that the check was received on the due date. They never issued a statement in that 18 months and would have continued to defraud us forever without informing us. They did this all despite the fact that there was more than enough money in the account to cover it the entire time. They have refused to remove the charge. The employee we spoke to was XXXX XXXX. We complained to the bank and XXXX from the Office XXXX contacted us, said they would respond within 2 days and never did. We followed up and she actually asked why we were bothering her if we knew they were n't going to fix the issue.
Product: Payday loan, title loan, or personal loan

On XX/XX/21 I received a loan for {$2200.00} from Big Picture Loans. On XX/XX/21 I advised I would pay it off. However, they told me the pay off amount was {$2800.00}. That is a fee of about {$700.00} for holding a loan for one month. They are charging a 1.10 % daily interest rate. 

After doing some further research it appears this company isn't even licensed to do business in the state of California and this is an illegal loan. 

After even further research it appears there are multiple lawsuits against them for illegal business tactics. This company needs to be investigated.