23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

On XX/XX/2022 I sent a email to Supreme Lending loan servicing, in regards to escrow shortage. I asked for 24 months to pay off shortage. I was told that the 24 months was granted but it would only lower my payment by XXXX dollars. So I decided to look into my account online and notice that my taxes did not match what I actually had receive from the state of Arizona. So I look up the tax records for the past 5 years and email them to Supreme Lending. I also email my XXXXXXXX XXXX tax bill, because their numbers were wrong also. Due to all of the mistakes that Supreme Lending is making it is and has cost me more money. I decided to pay off shortage and have escrow account removed. My first attempt to pay off shortage was XX/XX/2022, I paid what they said I owed. So I sent another email on XX/XX/2022 asking to remove shortage. On XX/XX/2022, I received a response saying, I do not meet XXXX and Escrow balance is $ XXXX. So I called and paid the XXXX and verbally asked to have escrow removed. I have researched this and found that I do not have a HPML loan. So why are Supreme Lending trying to force those rules on me? And even under those rules my true LTV is under 80 % .I even sent the page in my closing disclosure that says I can remove escrow. I add some screen shots of my online account, when you look at year to date Information in the screen shot, you can see that it says I paid XXXX in taxes but my taxes are not that high. My taxes are XXXX. I feel that it is in my own best interest to pay my taxes and insurance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a hard inquiry on my report from XXXX. I have never applied for credit from this company and I need this removed from my report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reporting a debt on my credit file that I do not owe. This debt is past the statute in California, and also it is really old and shouldn't be on my credit.
Product: Vehicle loan or lease

I told them that I had just had a XXXX  and that I needed a week to pay what I owe to stop them from coming to get the car I gave them XXXX until the next week and they still came to get it. My wife wasnt working and I told them that I need more time after the XXXX dollar payment to them they came and took my car
Product: Credit reporting, credit repair services, or other personal consumer reports

ftc violations listed:


inquires XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

i notice on my credit report that XXXX is reporting late payments on accounts that was never late and my payment schedule and receipts of 100 % of on tome payments are attached please correct and remove any late payments associated with XXXX
Product: Vehicle loan or lease

XXXX responded to my previously complaint # XXXX. I was desatisfied with their response. To say they are sorry for my negative experience that date is meaningless. That date I felt betrayed, disrespected, offended. And even worse when I check my credit and noticed that I have a negative report from Toyota. The company that that did not bother to inform one of their client that I have a balance, but yes you informed the credit burea and transfer my account to collection, your partner to be treated without respect to say the least. And you are expect me to contact the same people to make a payment plan? Shame on you. Do you have any idea the cost I paid that date? Have to leave my job because I was highly upset, I work with XXXX XXXX XXXX XXXX XXXX so I have to XXXX XXXX XXXX. I had to take a cab to go home, I could n't sleep that night so, I was unable to work the next day. So I did n't get pay for the time I did n't work, of course. All these events were unnecessary if you would have the time to call me, email me or send a Simple letter. I had made all my payments on time When I was your client, I should n't be treated the way I was, and punished with my credit. Do n't take this lightly I was a very good client of yours. Be truthful I did n't receive any call or you leave a message in my voicemail.. I think I should be the one compensated, for the damages in my credit, for the time I was no able to work, and specially for the XXXX XXXX I went thru.
Product: Credit reporting or other personal consumer reports

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

I have an account with Bank of America and recently I got a letter in the mail stating that my credit limit was decreased and that they did a random review and decided upon that. I then called the company stating that because they did decrease the limit my debt to credit ratio will be higher. I was assured because I have not used the card it would not be up. Well a week later I got a statement stating that my bill will go from {$58.00} to {$150.00} this is all in the span of a week. I reached out to several associates including a supervisor and the companies consolidation firm and was told I didnt qualify for anything because I had a great payment history. I was confused because the increase on my low income would be hard to pay considering my budget. I was also told that if I can afford one payment I could afford the other and try government agencies like welfare and food stamps. I have never had a company decrease my limit and had a huge jump in payment when the card hasnt been used in months.
Product: Credit reporting or other personal consumer reports

I have reached out to XXXX multiple times in reference to the inquiries that have been popping up on my account for the past 3-4 months without my consent. I explained to them that I can not lock my credit report at this time due to a purchase on a home. My credit was not pulled due to the fact that I have membership with live daily data to see my credit scores. Therefore, the lender took those reports until I am ready to move forward in the home buying process. I was told to file a police report and send in, in which I did. However, there has been no change to my credit file and I am afraid that when it comes time for the lender to do a hard pull on my file, they will see all of these fraudulent inquiries further lowering my beacon score to the point that I may not qualify for a home. They also told me that there was nothing else that can be done to safeguard my file during this process, which is disheartening to say the least.
Product: Credit reporting or other personal consumer reports

XXXX XXXX {$1200.00} This account does not belong to me. This dispute is not being initiated as an attempt for credit repair.
Product: Credit reporting or other personal consumer reports

equifax is not providing me access to my credit reports and need Equifax to allow me to have access to review my credit reports from their website or any third party websites
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. 

The Credit bureaus stated my account XXXX # XXXX was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal they also violated my rights unde

r 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 stat
es a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, 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 items ( A ). It is not permitted to report these items 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

I have been a customer of Regions since XXXX. I opened a dba account for my XXXX XXXX XXXX XXXX in XXXX. Despite seeing my history of depositing over XXXX XXXX dollars a month for years and understanding my business was profitable they have turned me down numerous times for a business account and a line of credit. Why? Overdrawn account and apparently my credit score. Regions made a public promise to invest in the XXXX communities. 

Regions would not accept the fact that as a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX medicaid XXXX sometimes our deposits would be late. Late does not mean not received. However they took their money off the top and they denied opening me a business account over and over but would take out overdraft and other fees. They would also deposit money on the account out of order, make you think withdrawals were taken immediately which was not true. No one carries a check book or bank register with them but I started. Then acted as if it was my fault. I thought it was. It wasn't. 
They had not one good credible reason for denying my business this account. The last straw was one of the bank managers telling me the reason they could not open the account was they were a " conservative '' Over the years if I had a line of credit, allowed to open a business account, and access the privileges that goes along with it I would have started to have a relationship with a bank. I knew the staff at the bank and they knew me but not well enough to help me at a crucial time. 

The OD Grace period is not helpful just another ploy, it causes XXXX and reminds the customer they are still not valued. When she used the word CONSERVATIVE I was not shocked, how dare you, wow. I am conservative as well in some situations however she used it as a code word and made me immediately think of racial discrimination. She could provide no other reason. Not one. Now they won't even allow overdraft. I can't get an account from another bank because they only look at your credit report never asking the customer what happened, never giving them a chance to explain.
Product: Debt collection

Repeated phone calls from the same company ( Comenity Bank ) using many different phone numbers. This same company has also been calling using a no caller ID plus unknown caller They have been calling my phone number every single day including XXXX and XXXX since XX/XX/2023. They have also been calling me repeatedly each hour or two hours each day for the last 5 days from XX/XX/2023 until current day of making this report on XX/XX/2023
Product: Money transfer, virtual currency, or money service

I was contacted by a representation from an international film production company ( XXXX XXXX ) based in XXXX who said they found my contact information on a resume listing website ( XXXX ) and was hired to work as a XXXX  XXXX  for an upcoming job. I was sent a contract, script and other relevant information regarding the upcoming job. When they hired me, they said that they would be sending a check to my house for {$4900.00}. That check was meant to include my day rate ( {$1400.00} ) as well as petty cash for expenses that I would need to complete as part of my job. They sent the check to my house and asked me to deposit it into my account at Bank of America. I deposited the check and waited until the funds cleared and were made available to me, thinking that once the funds were available, that meant that the check was good and that the funds were in my account. I was in communication with the representative via phone and he directed me to send payments to a number of different vendors through XXXX ( Bank of America 's cash transfer app ) and XXXX XXXX ( XXXX XXXX. cash transfer app ). Under his direction, I sent {$2400.00} through XXXX to the vendor he provided. Then I sent a few payments through XXXX XXXX to another vendor ( amounts of {$400.00}, {$400.00}, {$300.00} and {$310.00} ). After realizing that they were asking me to use some of my paycheck amount to pay for equipment, I called the representative on the phone and asked more questions about the details of the equipment and the shoot. Once I started asking more specific questions about the equipment, I could tell that he didn't know what equipment they were renting ( or what would be appropriate for a shoot of this kind ) and I did not send through the remaining requests of money. Within a few hours, I was informed by Bank of America that my account was overdrawn and that the check I had cashed was not a valid check. I was completely thrown off. I was under the impression, which now I realize is FALSE, that when Bank of America made funds available to me, that did not mean that the check was legit. I was told that there was no way to recoup the funds that were taken out of my account by XXXX or XXXX XXXX, since those transfers are not protected. I filed a Police report with my local Police Station.
Product: Checking or savings account

I have opened a new account with chase approximately 4 months ago. I just recently got a new job and my first check was a check sent in the mail instead of direct deposit the check was approximately {$600.00}, so with this paper check I did a mobile check deposit ( XX/XX/2022 ), I see that chase put my check on hold for 2 weeks so the day they said it would deposit into my account it hasnt ( XX/XX/2022 ) and it is still being held, I have called numerous times and they always say sorry we cant do anything you will have to wait I currently work for a very big and well known company and they tried to accuse the company saying its probably on their end I am in desperate need to pay my bills and I cant, Chase bank has been frustrating and has horrible customer service
Product: Credit reporting, credit repair services, or other personal consumer reports

My information was leaked because of a data breach, when I noticed the theft I did not know what to do about it until recently. I tried to resolve it with the Consumer Reporting Agencies but they said all I could do was to put a freeze on my account and put in a fraud alert. The following information on my consumer report is incorrect and was not authorized by me and would like it to be taken off of my consumer report. 

Fraudulent accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXXt XXXX XXXX : XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX Hard Inquiries XXXX XXXX XXXX XXXXXXXX, XXXXXXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX Name Spelling : XXXX XXXX, XXXX XXXX, XXXX XXXX Incorrect Addresses : XXXX XXXX XXXX XXXX XXXX DE XXXX, XXXX XXXXXXXX XXXX XXXXXXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX, XXXX XXXX XXXX XXXX CA XXXX, XXXX ME XXXXXXXX XXXX XXXXXXXX XXXX XXXX FL XXXX, XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX NY XXXX
Product: Checking or savings account

I opened an account with Wells Fargo. And I deposited a check to cash, They never released the funds, they wanted the person or entity. The person who gave me the check claims it, which is almost impossible because it is from XXXX, I don't know how to get to their accountant or any similar department. 
Wells Fargo says the founds are in theyre bank but they never released to me I went to my branch a couple times to confirmed my identity but the founds never comes.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've contacted XXXX, XXXX, and XXXX with my second dispute letter because the first one was sent and no fix was adjusted to the error on the hard inquiry hit on my credit report, that isn't an authorized application from myself. My first dispute letter took them over 30 Days to address. This second letter was sent out on XX/XX/XXXX, which states The inquiry was not authorized DISCOVER FINANCIAL SER  Date of inquiry : XX/XX/ Please remove it from my credit report. 

I've requested for this Hard inquiry that is not mine to be removed from my credit report, as fraudulent activity.
Product: Debt collection

The debt is with XXXX XXXX XXXX XXXX and/or XXXX XXXX XXXX XXXX XXXX. I made the first payment in XXXX and it was forwarded to debt collection Wakefield and Associates-XXXX XXXX XXXX, XXXX, TN XXXX, XXXX. First, I tried to clear this negative reported debt to all three credit bureaus. I was successful with XXXX  and it was removed. However, XXXX  and XXXX has not removed the debt stating it is verified as accurate. I called Wakefield and Associates to try and get them to remove the negative report on XX/XX/2020 and spoke with a XXXX XXXX. He stated they could not remove it because it came from XXXX XXXX  XXXX . He stated it was up to the doctor to report the negative information. I asked for the doctor info and he could not give me that info. He said he could send a report asking them to take it off. I have been paying amounts of $ XXXX {$25.00} dollars on the account. I have not missed a payment and do not understand why this is reported on my credit when I am paying. Mr. XXXX XXXX response was that the amounts were too little. I told him it doesn't matter about the amounts as long as the debt is being paid. He agreed and said he will forward this info to request the negative file is taken off my credit file. I asked how long it would be and he didn't really give me an estimate of time. I pay all my debts and have no problem paying. I want this negative report to be removed from my credit file.
Product: Credit reporting or other personal consumer reports

I have disputed the inclusion of a timeshare on my credit report. 

This account is not mine, as it was fraudulently sold to me under false pretenses. I immediately sent a rescission letter to cancel the contract, but it was wrongfully denied. 

The account was never opened, set up, or used, yet it has been reported on my credit file. Additionally, this account has been charged off and closed multiple times in the past but was reopened in XXXX XXXX  without my knowledge or consent. 

I have made multiple attempts to dispute this information and have provided supporting documentation, including the rescission letter. I request a thorough investigation and immediate removal of this inaccurate account from my credit report, as required under the Fair Credit Reporting Act ( FCRA ).
Product: Credit reporting or other personal consumer reports

I got detained and incarcerated on XXXX XX/XX/XXXX at the time I was paying Experian XXXX a month for a lot of services that included covering identity theft while I was incarcerated at the XXXX XXXXXXXX XXXX for 14 months I didnt get released from that day until XX/XX/XXXX. My identity was stolen accounts tried to be opened up in my name and, I have bank statements to prove that I was paying experience XXXX for months and I do believe paid for the first month. I was in jail also which is when it started where my Were used one or two accounts have already been disputed and took it off my credit report from XXXX, but Experian continues to leave them on even though I disputed them three times provided paperwork that I was incarcerated, so therefore it would be impossible for me to use my three credit cards that I had about the XXXX area in the state of Maryland. And I called and reported to Experian and all my credit cards that they have been compromised that my wallet was not on my property sheet nor my tablet so my identity has been stolen. I was assured that it would be investigated. I spoke to experience late XXXX wish I wouldve kept track of the exact date but all the calls are recorded from the jail phone and all calls are supposed to be recorded from the Experian for training purposes so my complaint is I was supposed to be covered for identity theft, and it shouldve been no issue with the disputes and investigations with the slandering of my credit right now by the credit cards that remain and collection agencies I got an email from Experian saying that I have to dispute directly through the collection agencies and the credit card companies because I dont disputed so many times through experience well they took my money my XXXX a month and did not perform the services that they offered for the XXXX that is my issue and Ive already contacted the Maryland finance attorney general and Im going to forward this complaint to him also