23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Mortgage loan # XXXX We opened a mortgage loan with USBank on XXXX 2016. It was a very long process over 90 days ... the appraiser was not knowledgeable and was being sanctioned by the state for his mistakes ; we provided supporting docs to the local branch and requested a new appraisal and appraiser ; still they did n't do anything. It took so long that the builder even issued a cure notice and we were close to loose a large down payment thank to this bank inefficiency. It was a construction loan and our downpayment was over 20 % of the appraisal value and I did n't want to include the escrow on the payment. The loan officer at the local US Bank branch XXXX XXXX told me that he checked with their construction department and based on the fact that we were doing a construction loan they were not able to waive escrow at the time of the closing but he said I could request to remove escrow after the construction switched to a regular jumbo loan, he said a year after closing- all communication with the loan officer was via email so I have this in written. We closed in XXXX 2016 and I recently called the bank to request them to remove escrow since it seems that their is an escrow shortage for taxes and my insurance company cancelled the policy due to non payment. I received a notice of cancellation letter from XXXX for my policy XXXX on XXXX. I believe US Bank is not handling the escrow account properly and I called the bank to request the escrow to be waived. I was told by the beginning of XXXX that in order to remove escrow I had to pay the escrow shortage which is far enough and I understand but they are on top requesting a 1.5 % of the unpaid principal balance to remove the taxes and insurance from the escrow and 1.25 % to remove just taxes. Today XXXX/XXXX/16 XXXX I called again and spoke to a senior rep with US Bank customer service XXXX who had that kind of an attitude " i know all '' and spoke over me a few times and she said that the escrow waiver fee was 1.25 % either if I wanted to remove taxes and insurance or just taxes ; how frustrating is to get contradicting information. I requested the first time I called in XXXX 2016 a copy of any escrow agreement I might have signed at the time of closing where I agree to pay a fee if the escrow was removed. I did not get anything and today I requested it again. Today I was told there was not such document ; again contradicting information.Any of my closing docs show anything about me agreeing too pay an escrow waiver fee to remove escrow.
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity was breached from XXXX XXXX XXXX and I believe my ex husband. 

There are SEVERAL inquiries on my report that I did not make nor authorize and need to be removed. ( See below ) please tell me how to proceed in getting that taken care of ASAP!! 

XXXX  XXXX - Inquiry Date XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX  - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX  - XX/XX/XXXX
Product: Student loan

My federally owned direct loans are handled by XXXX XXXX. When I logged in I received a message our system indicates that we dont have the following information demographic data on file for you. We request you update your profile to continue. I was alarmed because the XXXX website states they dont have my address, phone number, and email address. When my loan account was switched from XXXX to XXXX I provide all that information. So I updated my information. It states my account is in good standing. That is incorrect because I need to make XXXX payments. When I call their phone number the wait time is XXXX minutes. Right now I can not make any payments because their system wont allow any type of payment. What I dont like is that you can only make a payment with your bank routing number. XXXX not trying to get out of paying, but trying to pay and speak to someone without waiting a couple of hours on the line. I never had this problem with XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the Fair Credit Reporting act XXXX account # XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the rights to privacy.

15 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.
Product: Credit reporting or other personal consumer reports

15 U.S. Code 1681n Civil liability for willful noncompliance and 15 U.S. Code 1681o Civil liability for negligent noncompliance and 15 U.S. Code 1692k civil liability Im entitled to monetary compensation under FCRA 15 U.S.C. 1681i ( 6 ) Notice of Results of Reinvestigation. ( A ) In general. A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than 5 business days after the completion of the reinvestigation, by mail or, if authorized by the consumer for that purpose, by other means available to the agency ( B ) Contents. As part of, or in addition to, the notice under subparagraph ( A ), a consumer reporting agency shall provide to a consumer in writing before the expiration of the 5-day period referred to in subparagraph ( A ) ( I ) a statement that the reinvestigation is completed The items below should all be updated to paid as agreed on my consumer report.

Below accounts is in Violation under 15 U.S. Code 1666 ( b ) billing error
Product: Credit reporting or other personal consumer reports

I am a victim of a data breach and subsequent identity theft. The following accounts and inquiries appearing on my credit report are fraudulent and were opened or initiated without my authorization. Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting these items be immediately blocked and deleted from my credit file. 
Fraudulent Accounts XXXX. XXXX XXXX - Account # XXXX - Opened : XX/XX/XXXX - Balance : {$250.00} XXXX. XXXX XXXX - Account # XXXX - Opened : XX/XX/XXXX - Balance : {$330.00} XXXX. XXXX XXXX XXXX  - Account # XXXX - Opened : XX/XX/XXXX - Balance : {$9800.00} XXXX. XXXX XXXX - Account # XXXX - Opened : XX/XX/XXXX - Balance : {$1400.00} XXXX. XXXX  - XXXX - Account # XXXX - Opened : XX/XX/XXXX - Balance : {$1400.00} Unauthorized Inquiries XXXX. XXXXXXXXXXXX  - Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX - Date : XX/XX/XXXX XXXX. XXXX  - Date : XX/XX/XXXX XXXX. XXXX  - Date : XX/XX/XXXX XXXX. XXXX XXXX - Date : XX/XX/XXXXXXXX XXXX XXXX  - Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently checked my credit and saw that theres still a collection that i disputed a few moths ago that is violating some FCRA laws and should not be reporting in my credit. I'm now in search for a house and this collection is keeping me from getting better rates its affecting my credit please help me DELETE this negative remark. The collection that needs to be REMOVE will be listed below. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 


This account is in violation of 15 U.S. Code 1681e - Compliance procedures.

PLEASE DELETE.
Product: Debt collection

I went to a XXXX for consult on XXXX procedure on my XXXX. She proceeded to take a sharpie and make marks on my XXXX explaining very little about the procedure but emphasizing the cost and forms of payment. I paid for the consult and left her office then asked my primary physician for a different referral. Shortly after the visit I received a call ( from a rude office rep ) regarding my initial visit and wanting to schedule the procedure. I informed them I had already been in touch with a different Doctor and wouldn't require their services. She then responded " good luck with that '' and hung up the phone. Another reason I did not want to use this office. Three to four years after the fact a collection showed up on my credit report. I contacted them and once again received rude treatment and was told it was out of their hands because it had been turned over to collections. I have protested this through the credit reporting agencies and asked for proof of agreeing on any other charges other than the initial office visit, nothing produced. I would like this negative/false information removed from my credit report. I've worked very hard to maintain a positive credit rating.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

I was notified of a collections debt on my XXXX credit report by XXXX on XX/XX/24 via email. When I investigated, the name of the collector is Jefferson Capital Systems LLC. I contacted them by phone on XX/XX/24 and they stated that I did not have an account with them when they attempted to look up my account by name and social security number. I submitted a dispute to XXXX. I received notification this morning that the account information on my credit report is accurate. I called Jefferson back and discussed. They have an account with my name but without my social security number at an address that I have never lived at with an email address that is not mine that the original creditor is XXXX who I have never done business with. I believe this is fraud ; they recommended that I file a report with this entity for documentation purposes. I am awaiting letter from them to formally start the process of disputing the fraudulent charges to me at this time.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent My first letter to Equifax XX/XX/2022 asking them to investigate accuracy of the XXXX XXXX XXXX account on my credit report. I did not receive a response. I sent another letter XX/XX/2022 still no response. I sent my last letter XX/XX/2022 and i have yet to receive a response to this day but the disputed account shows updated as of XX/XX/2022. 

Also, on XX/XX/2022 they investigated the collection determined it was inaccurate and deleted it. Two days after XX/XX/2022 it reappeared on my report with no written notice which is a violation of 15 U.S.C. 1681 ( 5 ) ( B ). 

XXXX and XXXX provided me with " verified '' " updated '' results after i received their results i did my own thorough research and found several inaccuracies. 

XXXX and Equifax are reporting the collection as open which is not possible on a collection. They all show different dates for the date as last activity. 

XXXX is reporting a 1-month term when collection accounts does not have terms.

In accordance with the fair credit reporting act XXXX XXXX XXXX Account has violated my rights. 

15 U.S.C 1681 section 602A states that i have a right to privacy.

15 U.S.C. 1681 Section 604A section 2 states a consumer reporting agency can not furnish an account without my written instructions.
Product: Debt collection

I don't recall having a contractual relationship with this collection company I.C. System, Inc. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Product: Credit reporting or other personal consumer reports

On or about XX/XX/year>, I received unsolicited advertising via US mail from XXXX  ( XXXX XXXX XXXX, XXXX XXXX  ). This mail stated in bold print : " You're Pre-Approved '' and went on to say " Get your FREE quote -- without impacting your credit score -- at XXXX '' I followed instructions based on the large type offer. The website CONFIRMED that they would, indeed, provide a quote for a loan, without any reservation. ( Note : the advertising came with a page of text too small for a XXXX XXXX XXXX to read. I could not read any of the reservations regarding their offer. ) Based on this promise, I entered into an agreement with XXXX XXXX XXXX to provide private information in exchange for the PROMISE of a quote for a loan, and a PROMISE to not affect my credit score.

I fulfilled my side of the bargain, providing many web pages of detailed private information regarding my contact information, asset ownership, income, and other PRIVATE information of value to companies and advertisers.

After fulfilling ALL of my obligations, XXXX XXXX refused to fulfill theirs. 

I did NOT get a quote. Instead I was declined -- and evidently I was declined based on information they already had before they made the offer of a Pre-Approved Loan!

They made it EXCEPTIONALLY DIFFICULT to obtain a " Adverse Action '' letter, but I was able to find it only to discover that it had no new information not available to XXXX XXXX before offering me a PROMISE of a quote for a rate for a loan.

This fraudulent advertising damaged me in the following ways : 1. I was damaged by providing private and detailed information based on the offer they made. This PRIVATE date has monetary value. They are in possession of MY information, but did not fulfill their obligation in return.

2. I was damaged by taking time to fill out the form based on their request. My time is valuable, but based on their fraudulent promise, I gave them my valuable time.

3. I was damaged because they actually did access my credit score, and damaged my credit score in the process. Their " Adverse Action '' letter indicated they accessed credit reporting agencies and declined in part because there were too many applications for credit on my credit report, their application for credit included. Further, they reported that my loan application was declined, making it more difficult for me to obtain a loan elsewhere.

4. Because of they FRAUDULENTLY broke their promise not to impact my credit score, I will now have to pay 24 % to credit card companies on {$60000.00} worth of debt, when the national average heloc loan is 9.37 % ( according to bankrate.com, as of XX/XX/year> ). Thus I am paying an additional 14.63 %, or {$730.00} per month ( or {$8700.00} per year ) for the next 7 years that I would not have to pay if I obtained an average Heloc from XXXX XXXX or any other lender that will decline my application due to too many requests for credit information.

This fraud is illegal. It is damaging. And it should be stopped.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX XXXX XXXX XXXX, has violated my rights 15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose also exposing charged off accounts and late payments to the public Please help me delete all inaccurate information
Product: Credit reporting or other personal consumer reports

This is a problem with TransUnion, the word of all three. 
I never have problems logging into XXXX or XXXX. But TransUnion iss FOREVER a problem. I keep my password safe, yet, if I got to check like I did today, I can not log in. 

I don't know why, it just says invalid password. That is XXXX. I did not change anything. I know when I change my passwords because I date them and for these C reports I keep them together same place no one has access. 

But TransUnion seems like it is trying to extort people into paying for the paid XXXX XXXX. I NEVER has XXXX 's score, you ALWAY have to pay for the score, which I don't do but once a year, and then you have to re-set the password. Of course. Today i put in my SS number to reset like i have before but of course the inept TU did not recognize my password. Over and over and over and I got a live person on the chat, but XXXX could not figure it out either. I was on the right site. I was on the right page. This company just needs to go. It does nothing constructive just shakes people down for money. 
XXXX also makes the site confusing the URL so they can be confusing to people who probably end up paying for a membership.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXXXXXX XXXX XXXXXXXX XXXX : {$370.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$12000.00}
Product: Checking or savings account

I have three claims open with Bank of America with XXXX XXXX XXXX, a XXXX money transfer service that is covered under Regulation E.

1005.3 Coverage. 
iv. A transfer from the consumer 's account resulting from a debit-card transaction at a merchant location, even if no electronic terminal is involved at the time of the transaction, if the consumer 's asset account is subsequently debited for the amount of the transfer. 

They have refused to issue me a provisional credit for these claims citing that they are not Reg. E. even after providing them with the exact reference on your website. I called them several times, faxing them the attached documents and they still refused to issue a credit repeating that it was not a Reg. E dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax should not be reporting me as an authorized user on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I called the bank and let them know that I did not give permission to be added as an Authorized User on this account. I have contacted the bureau to fix this however, I have not been successful. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This negative reporting is harming my credit score and this line item needs to be removed from my credit report.
Product: Payday loan, title loan, or personal loan

I recently purchased a bed on XXXX and was offered to break the total amount into 4 payments of {$180.00}. I was immediately billed the {$180.00} and then maybe 2 days later I cancelled the order due to the bed not being in stock and the delay of almost a month to have the bed delivered. I cancelled with XXXX and again with Quadpay. In fact I cancelled twice with Quadpay and they still bill my credit card another {$180.00}. They have ignored my request to cancel after being reassured it would get resolved and I would receive a full refund. Both XXXX and Quadpay are lacking adequate customer service and are being dishonest in their advertising and their communication.
Product: Credit card

I have an American Express XXXX XXXX credit card that expires XX/XX/year>. I found out through a third party that American Express closed my account without telling me. I called them twice, and twice again asked to speak with a supervisor. The supervisors keep repeating the same message over and over. They say they understand my position but are powerless to reopen my account. They tell me to apply for a new account which I don't want to do. My credit score has already dropped because this card was closed. 

I have been a good customer of American Express for XXXX  years. I am retired now but used their card for business travel extensively. I never once had a late payment or any problem with my account. 

American Express sent XXXX email ( attached ) notifying me of their action. I don't accept emails from financial institutions because they are usually fake. ( For example in the past month, I've received XXXX or XXXX emails from XXXX. When I call XXXX, they say XXXX doesn't sent email. ) I am XXXX XXXX XXXX and can not respond to emails about money. 

American Express failed to send me a letter to notify me of their action. ( XXXX XXXX on the other hand, has sent me letters saying I need to use my card with them, which I am happy to do. ) XXXX simple letter from American Express could have resolved this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed disputes with Experian Credit Bureau, XXXX XXXX XXXX on XXXX XXXX and XXXX XXXX regarding late payments on a XXXX XXXX XXXX XXXX account ( XXXX ) opened in XXXX. Experian and XXXX have updated the late payment from XXXXXXXX XXXX XXXXXXXX to XXXXXXXX XXXX XXXXXXXX. Experian and XXXX has violated my rights, according to Section 110401 of the Heroes Act, it would amend changes the CARES Act made to the Fair Credit Reporting Act ( FCRA ) by adding, no person may furnish any adverse item of information ( except information related to a felony criminal conviction ) relating to a consumer that was the result of any action or inaction that occurred during a covered period, with covered period referring to the COVID-19 emergency or any major disaster.
Product: Credit card

I have a child support Eppi card. The customer service robot, that takes the call doesnt offer any way to talk with a real human being. I have searched the internet on how to get a customer service representative on the phone, live chat and even an email to try to resolve this issue. They have different phone numbers for each state! Its the same robot in each state, no solutions. However, when you do call multiple times a day and punch in your card number and pin, they charge you a fee each time. So not only do they offer, no live support. They also, encourage you, to keep calling! Its very profitable scheme for them. Its a legal scam in my opinion.
Product: Debt collection

DEBT unrecognizable/ or re-aged/ unauthorized suddenly appeared into my credit profiles