23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

On XX/XX/XXXX we paid {$3100.00} for property taxes on the property in question. This in fact was an extra payment by our mistake because the mortgage company is supposed to pay property taxes by contractual obligation since the mortgage opening. We called several times to ask for a refund of our payment. The representatives asked for more time and proof of this extra payment. We send the proof and waited for another month and a half. 
Finally, today, after I called XXXX they explained that they are returning only one third of our extra payment and the rest was applied to escrow. because of increase of insurance premium. 
This in fact is inaccurate because our insurance premium increased by {$75.00} since XXXX XXXX  and we have been paying this difference ( even a bit higher- {$76.00} ) since then. Previous monthly payment was {$660.00}, which in XX/XX/XXXX was raised to {$740.00} - exactly the difference between old and new insurance premiums. 
We have been paying our monthly mortgage dues on a regular basis, never missed a payment! Grabbing to some extra payment, we send by mistake, does not constitute a legitimate transaction. We need full refund ASAP!!!
Product: Mortgage

I believe while trying to start a new mortgage, a loan officer at Navy Federal Credit Union discriminated against me and treated me unfairly. In early XX/XX/2021, the loan officer gave me incomplete information about my options and at one point encouraged me to not follow through with the mortgage. At one point she increased our pre-approved amount to much more than we could afford. Through social media I later learned the loan officer had posted pro-Trump and alt-right material. I believe I jokingly made an anti-Trump comment over the phone during the beginning stages ( unknowing of the loan officer 's political beliefs ), which was the reason for the discrimination. In the end I went with a different lender and brought the loan officer 's behavior to the attention of her supervisor on XX/XX/2021. I do not know if any disciplinary action was taken.
Product: Mortgage

Hello, This is a continuation from several previous complaints, most recent was XXXX. 
We are now still waiting for a financial breakdown as to a HUD modification that was added to my loan, the amount of the loan exceeded the amount of the 3 forbearance payments, and no one to date has been able to tell me why, nor did they follow up as I was promised with these answers. 
More importantly, we are now in the process of completing a refi with Wells Fargo, and I have just been told by XXXX XXXX, Wells Fargo Home Mortgage Consultant, XXXX ID XXXX, that my refi can not be approved because of the HUD Modification that Wells Fargo attached to my mortgage. I was also told that this Modification was the first he had seen, and that normally the 3 forbearance payments were moved to the back of the loan. I was also told that I should have been given the option to move the payments, and not add a modification to my loan. 
I was told in XXXX when Wells automatically enrolled me in the cares forbearance program that the payments were simply moved to the back end of the loan, with no fee 's, or penalties. 
I would like this HUD modification removed from my loan, and Wells Fargo to adhere to the program as it was stated to me, and move the payments to the back end of my loan, and the right to complete my refi.
Product: Credit reporting or other personal consumer reports

U.S Bank did not update the loan to reflect timely payments for the month of XXXX and XXXX. Contacted them several times to get them to send the correct information to the credit bureaus. This has impacted my spotless credit rating of XXXX down to XXXX. I have disputed the late payments 3 times with my XXXX account, and three times they have received the same response from U.S. Bank stating the late payments are correct. 
I call U.S. Bank and when they look up my account, it's fine. I contacted US Banks " Consumer Bureau Dispute Handling '' dept and they tell me a letter will be written and they have 30 days to complete that. It's been 60 days and still my credit report has not been updated. 

Please help me get them to fix this, I can not shop for insurances or to look to trade my car until this mess is corrected. Thank you.
Product: Checking or savings account

XX/XX/year> : purchased product from XXXX XXXX XXXX ( XXXX  ) for {$89.00}. 
XX/XX/year> : a charge of {$94.00} also posted to my account from XXXX XXXX XXXX XXXX XXXX 

On XX/XX/year> I contacted Chime Bank and filed Dispute XXXX XXXXXXXX for the above issue. 

XX/XX/year> at XXXX : Called to inquire about another fraudulent charge on my account from XXXX  for {$89.00}. Contacted Chime but was hung up on by support and when I called back received a different teleprompter than before. 
XXXX ) I reported my debit/credit card stolen on XX/XX/year> ( to cover all my bases ) XXXX ) My cards were also frozen and should not have been used XXXX ) I already had a dispute filed regarding this vendor I was able to discuss with the vendor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, and spoke with them at length regarding the most recent charge of {$89.00}. Per their records, the only charge they have submitted for payment is the charge of {$89.00} on XX/XX/year>, which is also the only charge I authorized. 

Chime bank denied my dispute request submitted on XX/XX/year> and I am extremely concerned since this is now the second charge that has come through unauthorized. I am concerned for my information safety and am taking steps to move my account, but in the meantime want to insure that I receive my funds back as I did not authorize this payment.
Product: Credit reporting or other personal consumer reports

I have account that are not mine and keeps getting redated and all credit bureues have different information i requested for proof or copies of bills from XXXX and nothing. I have asked to investigate they say they did but they dont show me proof as required by law.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$9400.00}, {$50000.00}, {$50000.00}, {$19000.00}, {$27000.00}, {$260000.00}, {$260000.00}, {$8500.00}, {$12000.00}, {$8500.00}, {$12000.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance and other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See also 12 C.F.R 226.12 ( b ).

-OPEN ACCOUNTS- 1. XXXX XXXX XXXXXXXX with ACCT # XXXX opened on XXXX XXXX, XXXX with a credit limit of {$9400.00} -This is not my account. 

2. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$50000.00} -This is not my account. 

3. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$50000.00} -This is not my account. 

-AUTO ACCOUNTS- 4XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$19000.00} -This is not my account. 

5. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$27000.00} -This is not my account. 

-REAL ESTATE LOANS- 6. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$260000.00} -This is not my account. 

7. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$260000.00} -This is not my account. 

-STUDENT ACCOUNTS- 8. U S DEPT OF ED/XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$8500.00} -This is not my account. 

9. U S DEPT OF ED/XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$12000.00} -This is not my account. 

10. U S DEPT OF ED/XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$8500.00} -This is not my account. 

11. U S DEPT OF ED/XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$12000.00} -This is not my account.
Product: Bank account or service

I opened up a CitiGold Checking account in XXXX 2015 under a promotion at CitiBank which promised a specific bonus of XXXX XXXX XXXX points for meeting certain requirements. I used the correct promotion code and was provided with a summary of the promotion when I opened up the account. I have met all the requirements and CitiBank is not honoring the promotion. I have opened up a case with them, had it escalated, and have been told 4 or 5 times by customer service agents that I met the requirements but they have to escalate it for approval. The escalation team has come back each time and is denying to provide me with the rewards because they state I was not targeted for the promotion. I told them I have a copy of the confirmation page when I opened the account but since it does not have my name on it, they will not honor it. I think this is very dishonest and feel I have earned the bonus and it should be awarded.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XX/XX/2021 I paid my XXXX XXXX XXXX payment card in full. The balance was {$3700.00}. Both XXXX and XXXX show the account closed by consumer, and paid in full which is correct. 

TransUnion however, still shows {$3700.00} - I have contacted XXXX XXXX AND TransUnion to have the account information brought current. I asked XXXX Bank today to send a record update over to TransUnion, whereby the customer service representative stated it will take 30 days to have this processed. He was very courteous but I explained I can't wait 30 more days.

I have already waited 40 days, to add another 30 days, makes it 70 days or almost three months, which is a quarter of a year. 

The issue is, I am refinancing my property, this balance of {$3700.00} / {$7200.00} credit line can be considered high utilization, and a negative factor in my FICO score calculation. Even if it is a closed account, the credit reporting agencies add the credit line to my total credit lines available and use it to calculate the debt ratio of all balances of all accounts.
Product: Student loan

Back in XX/XX/XXXX, I resubmitted my employer certification forms for the past 5 years essentially. ( XXXXonwards ). With the new PSLF waiver : " Past periods of repayment will now count regardless of whether you made a payment, made that payment on time, for the full amount due, on a qualifying repayment plan. '' So after i submitted my Employer certification form, I never received updated payments on 7 ineligible payments I made back from XXXX. I was told after about 3-4 months, I should verbally call for a recount. This would cost me about XXXX if not included, as I would have to make those payments later on under a different income. These ineligible payments were at a time period where there was little information given on how to qualify for PSLF. Payments as low as XXXX cents that were missed. 

I attempted to contact myfedloan multiple times, including most recently today XX/XX/XXXX. The only thing that happens, is I get transferred over to another PSLF department, and never get through to anyone. I have the ID # of the phone call if that helps, who transferred me again to PSLF department and have been waiting >30min with no person I've been able to ask for an official recount on those payments.
Product: Debt collection

National Credit Systems has been reporting a collection account with their company on all three of my credit report since 2018. The original creditor is XXXX XXXX XXXX. I have never leaves in this apartment complex nor ever signed a lease to lease an apartment from them. I have on numerous occasions disputed this said account with the collection agency and the three bureaus to no avail. I want this collection removed from my credit reports and them held accountable for their erroneous information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted several online disputes through XXXX in question of the validity of a collection furnished by National Credit Audit that states that I owe a debt of XXXX to XXXX XXXX XXXX XXXX yet have received unfair resolve. The information that exists on my XXXX credit report is errored. The date Opened reflects XXXX, Status Update also reflects XXXX XXXX, however the history legend/payment summary which is shown in grid format and reflected by month indicates that the collection began in XX/XX/XXXX. In addition this collection agency is in violation of severeal regulations set forth by the Consumer Financial Protection Bureau. The violations are as follows : 1. Section 1006.34/ Notice for validation of Debt as it's one and only communication to me was sent by e- mail dated XXXX XXXX which is far after the date furnished by the collection agency reflected in my credit report. The agency also failed to include amt of debt., info about debt, itemization date, and a clear concise account stating to whom the debt is owed as required in debt collection communications. ( B ) Does not disclose the name of the collection agency that the collection specialist recorded in the email represents.THESE THINGS MADE THE E-MAIL COMMUNICATION QUESTIONABLE AS TO IT'S VALIDITY AND ALSO CREATED DOUBT THAT THIS AGENCY WAS PERMITTED TO COLLECT THE DEBT AT THAT TIME. ( DATE REPORT WAS ACTUALLY REPORTED TO CREDIT BUREAUS DIFFERS FROM THE TIMEFRAME OF THE INITIAL NOTIFICATION SENT BY E-MAIL THAT NOTIFIES THAT THE COLLECTION " WILL '' BE REPORTED TO CREDIT BUREAUS ) 2. Section 1006.6/Communications in connection with debt collection ( 4 ) i ( b ), and ( c ) 1-5, Dand E..No notice sent to clearly and conspicuously disclose transfer of debt to debt collector.

FCRA requires financial Institutions that report debt to notify customers of debts according within the time frame allowable under FCRA regulations. There was no recordable or proveable period of time that existed before the collections process began as it had already been reported and was furnished to the credit bureaus before initial contact with me as the consumer either by the creditor or by the alleged third party collection agency ( NCAC ) .These are violations that have caused my family hardship as it has been the direct cause of rejected rental applications which does allow me UNDER SECTION 392/392.001 SUBCHAPTER C TO PURSUE CLAIMS AGAINST THE BONDS PROVIDED BY EACH AGENCY TO COVER DAMAGES INCURRED ... ..FOR THESE REASONS BUT NOT LIMITED TO THOSE REFLECTED HEREIN IN ACCORDANCE WITH MY RIGHTS AND PROTECTIONS AS A CONSUMER UNDER CFPB AS WELL AS FCRA I AM REQUESTING THAT THIS DEBT BE VERIFIED AND VALIDATED, WITHIN THE TIME ALLOWABLE BY REGULATION, AND THAT ALL COLLECTION EFFORTS CEASE DURING THAT PERIOD. IN ADDITION I EXPECT REMOVAL IF NOT VERIFIED AND OR ANSWERED.
Product: Debt collection

An account was opened in my name without my knowledge or consent by persons unknown. I disputed the debt as fraudulent and no action was taken by collections company. I then requested the original contract with the original debtor, payment histories, documentation of balance owed, and the account number. I have received nothing from the debt collection company, not even a letter stating that my debt had been sold to them. I have received numerous phone calls from them, and requested this information be sent to my address and have received nothing. I have sent the request by mail and have received nothing. I have no documentation to provide as I did not create this account.
Product: Credit reporting or other personal consumer reports

I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.
Product: Credit reporting or other personal consumer reports

I am contesting the presence of inaccurate personal information on my credit report. The following information does not pertain to me, and I have no association with it. I request the immediate removal of this information from my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

When checking my card transactions, I found several fraudulent transactions for the purchase of same type items, occurring on various days. These transactions totaled several XXXX dollars, all deducted from my monthly Social Security Retirement. 
On XX/XX/18, after multiple attempts to contact customer services, I finally got an answer. I explained the problem to a very nice lady in customer services. She instructed me to withdraw the remaining money on my card, then call back to report the fraudulent transactions, and get a new card. 
I withdrew the remaining monies from my card on XX/XX/18, and then began my attempts to call customer services to request an investigation of transactions and get a new card. 
As of XX/XX/18, I have now spent 4 days making frequent and repeated calls to contact customer services. All attempts unsuccessful, with recorded message stateing a larger than normal amount of calls being received, and to call back or use web site! All attempts to contact customer services via web site were also unsuccessful!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Im writing this letter to dispute the following 3 reporting agency in which they did not respond to my disputes. These agency are in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report. Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company I will also be seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of 15 U.S.C 1692g ** I am not a debtor. I am a Secured Party Creditor that DISCHARGES ALL DEBTS PURSUANT TO 73RD CONGRESS. SESS 1. CHS. 48 49.
JUNE 5, 6, 1933 HJR 192 HR 1491 PUBLIC LAW 1 48 STAT 1 PUBLIC LAW 10 CHAPTER 48 STAT 112 PUBLIC LAW 73-10 40 STAT 411 TRADING WITH THE ENEMY ACT ( TWEA ) OCT 6, 1917 ** ** Brady v. U.S., 397 U.S., 742 at 748. Waivers of Constitutional Rights must not only be done voluntarily, they must be knowingly intelligent acts done with sufficient awareness of the relevant circumstances and consequences **
Product: Student loan

My FSAL was scheduled to close in XXXX, this did not happen. ACS was the loan holder of record. 

Why didn't the FSA loan close as scheduled in XXXX? 

Instead the loan was acquired by XXXX in XXXX and two cancelled loans from XXXX, XXXX dollars, never disbursed were added to my FSA. This is illegal. Another TRUMP ADIMISTRATION FINANCIAL CRIME! 

The FSA promissory note was signed in XXXX for 14 loans, scheduled to close in XXXX. 

Where are the records that record my FSAL was scheduled to close in XXXX? Who has them? It is illegal not to have a record of when loans are scheduled to close. 

My FSA account now shows there are 17 loans, this is fraud! There is one promissory note for 14 loans signed in XXXX. 

Close my FSAL immediately! It is five years passed the scheduled date to be closed. 

The XXXX one loan consolidation is too old to be reported to the National Credit Bureaus as it is passed the 10 year old reporting date. 

Close my FSAL account immediately it is five years passed the scheduled close date XXXX XXXX 

It appears this is another TRUMP ADMISTRATION FINANCIAL CRIME!
Product: Credit reporting or other personal consumer reports

I am a XXXX  XXXX  and a XXXX XXXX  and recently i discovered recently that my identity was stolen and was taken advantage of to create fraudulent accounts and fraud inquiries. My complete name is XXXX XXXX XXXX and ALL accounts with incorrect and inaccurate names must be removed from my credit reports especially the fraudulent ones. I need your help to please delete these accounts from my profile asap : The fraud accounts are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. I also need your help in correcting my address and name. It should only be XXXX XXXX and XXXX XXXX XXXX XXXX XXXX California XXXX, nothing else. Thanks! I have attached here my FTC reports, ID, and proof of address. I haven't received my requested SS card yet. As a XXXX  XXXX  in your country, I kindly request for your assistance as I don't know much people who can help me with this issue. Thank you! i have noticed that I don't have credit history showing in Equifax and XXXX. Can you also please fix that for me?
Product: Student loan

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that NAVIENT has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted the credit bureaus and the creditor. There is information on my credit report that is inaccurate and should not be on my credit.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX Account # XXXX, XXXX  Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXXs Account # XXXX, XXXX  Account # XXXX, XXXX Account # XXXX, XXXX Account # 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

Starting in XX/XX/2022 I sent certified dispute letters to have a bankruptcy removed off my credit file reference # XXXX with Equifax and XXXX that does not belong to me or have my last on it. Equifax and XXXX are the XXXX credit bureaus who are refusing to remove it XXXX has removed it. The excuse that Equifax and XXXX are giving is that they validated it by the courts. I contacted the courts and gave them the letter from the courts stating they don't give public record to the credit bureau. They are violating and not complying with FCRA 611 ( U.S.C 1681.
Product: Mortgage

NVR mortgage gives free kitchen upgrades to all purchasers of XXXX or XXXX homes that agree to use NVR mortgage and the NVR closing company. the rates and costs are not as good as a mortgage lender but the free stuff is clearly steering under your codes. 

they should be stopped from doing this NVR XXXX XXXX XXXX XXXX XXXX XXXX XXXX va XXXX XXXX XXXX