23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

On XX/XX/XXXX my husband was contacted by our Property Tax office here in XXXX County, Tennessee. They stated that our property taxes due had not been paid. I contacted our mortgage lender, US BANK, and they stated that the taxes were paid in XX/XX/XXXX and were returned in XX/XX/XXXX as a tax refund. It was not until XX/XX/XXXX that we found this out. According to US BANK, they have a work order on this. 
On XX/XX/XXXX we called our tax office and they stated that the taxes have yet to be paid. I called US BANK, spoke with an XXXX who said that when she spoke with the tax area of the US BANK that the work order is still open, but now has a rush on it. We have 2 parcels and she stated that is the problem. Taxes are paid by a 3rd party and US BANK needs to look into the situation before they can pay the taxes. In XX/XX/XXXX,  when the taxes were paid by the escrow with US BANK. there was no issue. I explained that these taxes are due at the end of the month and I will not incur more expense due to their negligence. Also, because my husband and I do not make alot of money, we were approved for a " rebate '' on our taxes, after they are paid. If they are not paid by the end of the month, we lose that too.
Product: Credit reporting or other personal consumer reports

My wife and i enrolled with XXXX XXXX XXXX a few years back, ( attached Docs Included ) I filed disputes with all three credit bureaus, but they confirm that the accounts was conformed not true, i even tried calling to see if i can send proof, i was told i needed to file another dispute which dose not make since. I really hope you guys can help with this situation because i need to move in the near future due to medical issues ( XXXX transplant ) Nevada 's not the place for medical issues. my plans are to move back to the XXXX XXXX. 
The following accounts still has balance it should say settled/XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am submitting this complaint regarding the inaccurate reporting of information on my credit reports by the credit bureaus, which has resulted in inconsistent and incorrect credit scores across different agencies. These inaccuracies are directly impacting my financial stability and ability to secure necessary credit opportunities. Despite my efforts to dispute these errors, the credit bureaus have failed to correct the misinformation, and representatives have not taken appropriate action to resolve this issue. 

As a service member who has honorably served this country, it is unacceptable that I am being treated in this manner. The failure of the credit bureaus to report accurate information is not just an inconvenienceit has serious consequences. This type of negligence is exactly how service members, who have sacrificed for this nation, find themselves struggling financially and even facing homelessness. The lack of accountability in credit reporting systems creates undue hardship on those who have served and should be addressed immediately. 

I am requesting immediate investigation and correction of the inaccuracies on my credit report. I expect the CFPB to hold the credit bureaus accountable for their failure to ensure fair and accurate reporting. I appreciate your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the fair Credit Reporting act XXXX XXXX XXXX # XXXX, has violated my rights. 15 U.S.C 1681 Section 602A States I have the right to privacy 15 U.S.C 1681 Section 604A Section 2 : It also States a consumer reporting again y can not furnish a account and it hour my written instructions
Product: Debt collection

Called credit bureau and asked for verified proof debt was mine. Several calls and emails they refuse to give me the information but stated they did verify debt. Contacted the company the debt is through, XXXX. Called 4 times, I was hung up on every time. The 5th call I finally spoke to someone who said that they dont have to send me anything and that they will be sending me to collections. After repeated attempts, I have still received nothing from either the credit bureaus or XXXX. Now I have been sent to collections, a company called MRSBPO. Spoke to them and told them they can not collect until I get proof the debt is mine. Just received a bill with no proof. It states I have until XXXX XXXX to request proof of debt or I assume the debt is mine. Again, I have asked several times and they are still showing late payments on my credit and still have not sent me any proof of debt.
Product: Debt collection

Received another debt the third debt collector it has been given to for {$5800.00} and it has been going on since XXXX. I have tried to prove that it was Identity Theft maybe due to the XXXX data breach and that Im XXXX XXXX XXXX and would never do any loans on line or know how to go about it.
Product: Mortgage

FACTS : XX/XX/XXXX received 3 letters for Summit Funding The Home Loan Experts Each of the three letters were dated XX/XX/XXXX and stated my Loan had be transferred effective XX/XX/XXXX and my auto pay would no longer work. 
Each of three letters had the wrong address. 
My previous lender was Summit Funding Inc. and my new Lender is Summit Funding Inc. 

They cancelled my auto pay on the effective date of the transfer which was 15 days prior to letter dated on XX/XX/XXXX and 30 days before I received the letter in my hands. 

I called the numbers on the letter and I was transferred to collections [ I about died ], and they told me they have been calling me and sending me letters about my delinquency. I was absolutely floored. So I looked at their letters they sent in their new online portal and they were sending letter to an address I had prior to the address on the mortgage [ and address I had not lived at for over 6 years, and a different address from the letters received on XX/XX/XXXX ]. I asked when they called me and when they left a voicemail and customer service at Summit Lending said no one left me a voicemail. 

So I registered on their new online portal, and there is absolutely NO other information in there except a new loan number, and a balance due. No history of what happened with my loan being transferred, No payment history. Nothing. I honestly thought it was a fraud. Looking on that new portal I discovered the other Communication that was sent and it was all sent to the wrong addresses, 2 different sets of wrong addresses.

Customer care at Summit was great, however I have a total issue with the communication being delivered. I didn't receive anything from Summit Funding [ my original lender ] nor on their website that alerted me to a change in my mortgage, nothing ported me over and said on XX/XX/XXXX set up new payment on this site. Everything about this operation made me feel like they do not have their XXXX together. Most major companies port you over to the website to log in. 

My other complaint is, to the laymen, selling your loan from Summit Funding to Summit  Funding is highly confusing. Again it feels like you are being shistered.
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 Account NumberXXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I purchased a car and I see there are 2 credit inquiries from XXXX XXXX just 7 days apart. There is no reason why this company needs to pull back to back credit inquiries, other than to lower my credit score. I did not authorize 2 credit inquiries. For some reason, it's only Transunion that has multiple double credit inquiries on my report, significantly lowering my score.
Product: Payday loan, title loan, personal loan, or advance loan

XXXX XXXX The cost of your credit as a yearly rate. 
FINANCE CHARGE The dollar amount the credit will cost you. 
Amount Financed The amount of credit provided to you or on your behalf. 
Total of Payments The amount you will have paid after you have made all payments as scheduled. 
725.59 % {$4500.00} {$1000.00} {$5600.00} Your Payment Schedule will be : Payment Number Payment Amount Payment Due Date XXXX {$280.00} XXXX XXXX {$280.00} XXXX XXXX {$280.00} XXXX XXXX {$280.00} XXXX XXXX {$280.00} XXXX XXXX  {$280.00} XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally express my dissatisfaction with the outcome of my second attempt to remove charge-off accounts from my credit report. Despite providing comprehensive documentation and following the appropriate dispute procedures, the charge-off accounts remain on my credit report, negatively impacting my creditworthiness. 

I am concerned that despite my diligent efforts to address and rectify this issue, the charge-off accounts persist on my credit report. This situation has significant implications for my financial well-being, making it imperative to resolve this matter promptly. 

I kindly request the following actions : A thorough and immediate reevaluation of the documentation provided in support of the dispute. 
Removal of the inaccuracies associated with the charge-off accounts from my credit file. 
Clear communication regarding the resolution and the steps taken. 
I have attached copies of the supporting documentation for your reference during the investigation. I am asking for your assistance to remove these charge off accounts in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I applied for a mortgage with Quicken Loans on XX/XX/2018. 
They sent me the initial disclosures, a day outside of the mandatory 3 day window. They had changed the loan amount from XXXX to around XXXX as well as the interest rate, of course it went from XXXX to XXXX. 
I've been asking for weeks to have it changed back or for them to explain themselves without any answers. Instead they send me emails, call me and try to pressure me into proceeding without ever addressing the concerns. Then today, almost 3 months later I get an email and the loan officer (  2nd loan officer after I requested a change ) told me that once I'm approved for a loan he can talk rates and fees. Are you serious? You want me to submit all of my documents, pay for an appraisal and then once you've approved my loan, you'll tell me how much its going to cost me? This is the definition of unethical, and clearly in violation of TILA.
Product: Credit reporting or other personal consumer reports

You are reporting inaccurate information in my credit report. Please investigate the following items, and promptly remove inaccurate, incomplete or unverifiable accounts included below : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I am reporting Goldman Sachs in reference to their XXXX XXXX. On Wednesday at XXXX I contacted them via chat since my account had been restricted. They needed to text me a code and said that my account was fully verified. When applying for the card I gave them a picture of my Drivers License. I have been usually the card regularly and paid off the first statement balance. I contact Goldman Sachs today when I noticed my account was closed. I received an email that went to my junk that said Failure to comply with the terms of the Card Member Agreement or Rewards Agreement. They said the issue was with the verification that I did not provide. When I told them I had they said oh okay I see that but youll have to wait 2-3 weeks for a letter explaining why.
Product: Bank account or service

Wellsfargo delayed processing of smaller transactions in order to allow a larger XXXX to post and cause XXXX additional overdraft fees instead of XXXX. This means I 'm getting billed {$140.00} in fees instead of {$35.00}. The XXXX other transactions were all under {$10.00} each.
Product: Payday loan

Hi I had a really bad experience with Synchrony bank. 
I had purchased a Mattress for {$2900.00} on XX/XX/2013. 
The vendor I purchased was XXXX. 

When I purchased the mattress, the sales person mentioned that I can pay the full amount in installments and I agreed to it. 

I asked him what would be my monthly payment so I do n't have to pay any interest.He mentioned that Its about {$31.00}. 
I was fine with that and I purchased the product. 

My checking account was charged about {$31.00} every month as I was told and agreed. 

After three years I noticed that the monthly charges went up to {$120.00}. I was not sure what was going on and I called Synchrony Bank, they said I will have to pay an additional {$2900.00} or so as interest.I was not sure what happened. 
They told me the installment schema was for 36 months and I have to pay interest after that which I was not told by the sales person when I purchased the product. 

I called the vendor, which is XXXX, they told me that the amount of {$31.00} was given by the bank and not decided by them and they can not to any thing to fix it. 

I called the bank and they said only option I have is to pay off the {$2900.00} additional amount they charged me as interest to close the account. 

I mentioned to them that I can pay off remaining of principle amount which is XXXX minus payment I have made so far which will be about $ XXXX.They are not agreeing to it saying that I should be paying the full interest which is double the amount than what I purchased the product for. 

I do n't have any debt and I pay off my bills on time. 
I feel that I was cheated by the bank and the vendor combined by giving me unclear information.I do n't have the amount of {$2900.00} to pay off the interest. 

I had moved few times from the original location I lived before. 
I am not receiving the bank statements. 

I kindly request you to help me with this situation.
Product: Student loan

I attended XXXX XXXX that has since closes in XXXX VA and was told that they would soon have the accreditation that would transfer by the time I graduated. I am a veteran and had my entire tuition paid for except for a total of XXXX that I paid back in full. Years after graduation, I was told that a loan for the exact same amount on the same days was taken out for a campus in Florida. I contacted the Florida campus and talked to the XXXX who assured me that I have never been enrolled on campus or online. I have filed a Borrower 's document for protection.
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. 

I told the Experian, XXXX, and XXXX to reinvestigate these accounts : XXXX XXXX XXXX  Acct # XXXX, XXXX XXXX XXXX Acct # XXXX, XXXX XXXX XXXX  XXXX Acct # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 

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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a formal complaint to inform you that the accounts listed below are reporting erroneously & are inaccurate. The furnishers are reporting these accounts inaccurately. They informed me they had an internal issue & posted me past due. Please investigate these accounts & please update the accounts to a positive status of closed/never late. I will be documenting my case in the event you verify it inaccurately. Please provide me with all verifiable proof XXXX XXXX XXXX XXXX & XXXX XXXX XXXX  XXXX
Product: Debt collection

There is an account listed which does not belong to me and is reported on my credit which is wrong. Requesting removal of this ASAP
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

XXXXXXXX XXXX is trying to collect and report on an account that was already removed due to fraud. The original account which was removed was XXXX XXXX which was opened prior to me turning XXXX which was clearly fraud. That has already been determined. This account and nothing associated with it belongs to me.
Product: Debt collection

I wrote 2 letters, one on XX/XX/18 and another on XX/XX/18, asking for the company to send me the some proof such as a contract with signature for the debt that they state is mine. I have received NOTHING as of yet. I have also asked them to send me their license and bond information to ensure that they are licensed to collect in the state of Texas. I have not received that either. It's been almost 2 months.
Product: Checking or savings account

I keep an eye on my account, this morning I had XXXX in my account, went to the post office spent XXXX then XXXX XXXX then i use XXXX to add with my cashapp,. Now I am missing money from my account. so the lady put in a complaint for me, then I asked for a new card with different number, so she then proceeds to tell me my card will take XXXX days before i get it. So I asked her can I get my card Expressed, she said it dont qualify. I have been with this bank for 28 years, my mortgage been with them for 28 years and I purchased a car which was under Well Fargo for 2 years. So I ask I dont get an incentive since I been with you all for all these years they said no. Then continued to ask to speak to an manager, that never happened. I need my card expressed because I have bills that need to be paid on the XXXX of the month and that window of XXXX days so I asked them to let me speak to a manager no luck.. I have been doing business with this bank for 28 years and my mortgage been with them for 28 years. Also i am missing money out of my account and they had to file a complaint. Every one i talked to says the same thing ..MY CARD DOES NOT QUALTIFY FOR EXPRESS DELIVERY.. my bills need to be paid and I need all numbers on the card to change out for the new card they will not accept digital cards of last XXXX digits. I am so upset with these ppl. I hate how Wells Fargo handled me and my problem. they dont consider my situation. The on XXXX