23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Purchased new build in XX/XX/XXXX Property taxes were overestimated as they were currently reflecting low tax amount for vacant land ( uploading Monsoon Sheet for your review - shows low tax amounts for XXXX as {$2.00} : XXXX as {$200.00} ; and XXXX with new home as {$1600.00} ) In XX/XX/XXXX, XXXX XXXX assessed the land and the taxes reflected the home ( not just vacant land ) I asked for an escrow analysis as I knew there was an overage in the escrow account The loan servicer agreed, noted the overage, issued the refund check However, the escrow analysis showed the property tax estimate for XXXX to be {$10000.00} the ACTUAL taxes are {$1600.00}. 
This would INCREASE my monthly payment by about {$400.00} which is incorrect I called customer service and the servicers tax department on XX/XX/XXXX. I spoke with both XXXX and XXXX. XXXX let me know they had access to the current actual tax bill and was not sure why the estimate was over 5 times the actual tax amount I was told that they would adjust that to the correct and accurate amount by my next billing on XX/XX/XXXX That correction was not made. 
I called again, XX/XX/XXXX and spoke with XXXX, XXXX and the escalation team ( XXXX ) The result was I was told that the issue would be resolved I asked for this to be done before the XXXX payment is due as the payment should be LESS than it was before the escrow analysis that showed an Overage. 
as of XX/XX/XXXX, this correction has yet to be made. 
I have attached the XXXX tax sheet that shows the last few years tax amounts so you can see they currently reflect the new home as well as the escrow analysis ( see page XXXX for the XXXX estimated taxes in the amount of {$10000.00} ) And the current property tax bill of {$1600.00} I have also included a copy of the current mortgage bill that shows my estimated payment for XXXX to be {$2400.00} as opposed ot the current amount of {$2000.00} The XXXX servicing departments, on both calls, confirmed that they already had the current tax bill in hand and did not need me to send a copy. 
I expect that this gets resolved ASAP as they can not charge XXXX times the actual tax amount.
Product: Debt collection

I have been trying to get this fraudulent account removed form my credit reports as it doesn't belong to me XXXX XXXX XXXX XXXX, Nissan motor acceptance has refused to comply with my request.
Product: Credit reporting or other personal consumer reports

I am writing to express my deep concern regarding a recent dispute I submitted to Equifax. On XX/XX/2024, I filed a dispute regarding an erroneous item on my credit report. As per the Fair Credit Reporting Act ( FCRA ), I am entitled to a prompt investigation of my dispute, with a resolution typically required within 30 days. 

However, despite the passage of more than 30 days since my initial dispute submission, I have not received any communication or updates from regarding Equifax the status of my dispute. This lack of response not only violates my rights as a consumer under the FCRA but also undermines the integrity of the credit reporting process. 

I would like to remind Equifax of its legal obligation to promptly investigate and respond to consumer disputes. Section 611 ( a ) ( 1 ) ( A ) of the FCRA clearly states that consumer reporting agencies must conduct a reasonable reinvestigation of disputed information within 30 days of receiving a consumer dispute.

I kindly request immediate action to address this matter and provide a thorough update on the status of my dispute. Furthermore, I expect Equifax to take appropriate measures to ensure compliance with the FCRA in all future interactions with consumers.

Failure to comply with the FCRA 's provisions regarding dispute resolution may result in legal consequences and damage to XXXX 's reputation as a reputable credit reporting agency.
Product: Credit reporting or other personal consumer reports

Experian has kept my XXXX XXXX XXXX points lower than XXXX and XXXX XXXX for XXXX. I have on several occasions throughout the years tried to get Experian to balance my score out with the other XXXX reporting agencies to no avail, This has hurt me substantially because the companies pulling my credit report, will go by what Experian is reporting, outdated reports, closed accounts, it takes XXXX months for them to up date that my credit cards has a XXXX balance sometimes not at all. 

My XXXX XXXX should not be XXXX points lower from XXXX credit reporting agency to another I am at XXXX with XXXX and XXXX XXXX but Experian XXXX. 
too many companies want/use the lower score than the higher score or not give me a loan because they use Experian '' XXXX score.
Product: Debt collection

No. XXXX. The matter is reported to the authorities. United States Department of Education, get these perjurious panhandling frauds out of my inboxes. XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX All Rights Reserved XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX XXXX : XXXX ( XXXX ) XXXX Email : XXXX All communications logged as harassment spam and forwarded to the appropriate agency, department, institution, et al, to assist informing lawsuits regarding any and all fraud and predatory revenue creation practices.
Product: Credit reporting or other personal consumer reports

I have reached out to all three credit bureau 's to thoroughly investigate everything that is listed on my credit report. Each one is showing inaccurate information, dates, amounts, and different credit scores. Some accounts are listed more than once. Example one consumer has me listed that I was in good standing then it states bad standing. So which one is it either I paid on time or I didn't it can't be both. Not only that a consumer pulled a hard inquiry in XXXX  without my consent which is against the law. I have disputed all these things for the past three to four years now. So this is the next step for me to do. No one should have to go through this.
Product: Credit reporting or other personal consumer reports

XX/XX/year> the account had fell of my account but it never affected on my credit score Experian has failed to fulfill its legal obligation under the fair credit reporting act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on credit report, leaving inaccurate or unverifiable accounts resolved. the consumer financial protection bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumers -provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. these failures align with my experience, where Experian has neither corrected no removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. i am requesting immediate corrective action to remove or amend the disputed accounts, as Experian inaction violates federal law and my rights as a consumer
Product: Credit reporting or other personal consumer reports

I was notified by my credit app that I use through my personal checking on XXXX XXXX XXXX  of a new credit alert which had drop my credit score XXXX XXXX. Even though the account stated that it was paid off fully account balance is XXXX and still it appears on my credit report as a negative as well as close account with a balance of XXXX as some other amount. I have no knowledge of this account and the name is on the account is not the name I use that is on my documents given at birth.
Product: Debt collection

This debt has been paid yet this company is still reporting this as late on my XXXX credit report
Product: Credit reporting

XXXX on XX/XX/2016 Did not have permission to check my personal credit.
Product: Mortgage

I have been trying to work with 5/3 Bank since XX/XX/2018. They really do not know what they are doing. They constantly call me and tell me one more document, one more document. Some of the documents are irrelevant. For example, I own the construction company, and they say my wife needs to sign the profit and loss when she has no ownership interest in the company at all. She just works as an employee and receives payroll. 
Real estate tax bill, when they are paying the escrow, they KNOW what the taxes are on the property Now they want my wifes paystubs and bank statements showing deposits WHEN it clearly shows on the income tax returns. I pay quarterly income taxes and do not per say issue her a paystub. This is an ENDLESS cycle. 
My mortgage is past due. I need help, not this game that they just keep calling for unneccessary paperwork and not help me. They have had all the documents for weeks, and can not make a decision. 
It is clearly evident by their requests that an inexpierenced person is working on my file, or they would not be asking for things that are NOT PERTINENT. 
It feels like they are doing everything and anything not to help or make a decision l
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying for over 4 months to resolve this late payment issue status with the three credit bureaus. The Account in question is XXXX XXXX XXXX Account number XXXX. I have no record of being late and have never been late on this account. As of XX/XX/2016, the account is PAID OFF and CLOSED. Under the FCRA Law, the bureaus have violated my right as a consumer and I have the right to see all information or proof of my delinquent on this account. Their information are inaccurate and must be immediately remove from all my credit report.
Product: Credit card

I use XXXX for credit card processing services. They separately contract materials such as the credit card terminal leases, etc., through the company First Data Global Leasing. Despite owning a terminal ( purchased in XXXX 2015 ) and upgraded for chip capability, First Data called stating I needed to lease yet another terminal. 

I trusted this and complied - signed a lease for the new terminal. About 2 months later, a rep for XXXX called and stated all was incorrect and after much wrangling with First Data managed to get the lease cancelled. She stated 'this happens all the time ' and that communication between the XXXX companies is 'not ideal '. 

However, the pymts made for the 'new ' terminal have not been refunded to me. I can not get through their phone system - always put on hold due to 'unusually high call volume. '
Product: Credit card or prepaid card

I had a balance of {$200.00} in XXXX which is paid off {$200.00} in full. Only XXXX cents remaining and i didnt even get any email notifications or call notifications to pay it off and 2 months later today they call me and say they are trying to collect debt of {$100.00}!!! They charged me {$100.00} for XXXX cents!!!! This bank is the worst kind of scammer i have ever seen!!! They stole my money and on top of that the customer representative agent in charge of the homedepot credit card department, XXXX, was so rude to me saying you didnt pay off your balance so who is to blame-pay on time and you wont get charged unbelievable!!!! Who hires these rude imbeciles!! I will never recommend this bank to anyone and i will keep reporting until i see some serious legal action taken against you frauds!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX ACCOUNT XXXX IS APPEARING FRAUDULENTLY ON THE BIG 3 BUREAUS.THE FRAUD CREATED BY ORIGINAL CREDITOR IS EXPLAINED IN DETAIL IN THE ATTACHED DOCUMENTS.
Product: Credit card or prepaid card

Merchandise was not received. I submitted a dispute and got confirmation from XXXX that Bank of America has already issued a {$91.00} charge-back. Bank of Amer asked me, online, to provide additional Info, which I did. Meanwhile, no provisional credit was ever issued, and, in fact, no credit at all was issued. On XX/XX/XXXX, I called about the status of my dispute and inquired why, online, there is a message in my inbox advising that the dispute is resolved and was combined with another dispute ( which does not exist ). Incompetence and deception both.
Product: Mortgage

I purchase my home during the sellers market in XX/XX/XXXX. I put XXXX down and I realize paid points ect. today I feel like I owe more on the house than it's worth. I had falling behind they modified the loan added XXXX to end of the loan. I was owing XXXX now its over XXXX. I had money in suspense in XX/XX/XXXX XXXX don't know what happen to that I ask for an audit they sent pay history. there has been several foreclosure in the area and sales house is over XXXX more than its worth, they said I had escrow shortage I changed my insurance policy which lowered I paid an extra XXXX from XX/XX/XXXX t XXXX XXXX where is that money - that added lender policy when I had a policy for XXXX $ why. my acct need to be audited. houses in my development sold for XXXX
Product: Debt collection

I XXXX XXXX have made several requests for proof that a creditor once originated with a national financial institution that has FDIC insurance can sell off a debt that is part of a securitized trust. Then these same debt buyers that used to be known as collection agencies could re-assign the debt to a fourth party for collection enforcement. This process of stating that debts are being purchased by a third party and then enforced by a fourth party is the larges scam in America. The U. S. Supreme Court decision in XX/XX/2017 known as XXXX v. XXXX XXXX XXXX XXXX is responsible for this scam. This decision basically states that since a third party purchases the debt, that my rights under the Fair Debt Collection Practices Act is VOID. The problem is that almost all unsecured debts are sold off to XXXX XXXX in various traunces in securitized trusts. There simply is no resolution where the debt can be purchased, only that the debt can be assigned for collection purposes. Each financial institution must file a 10Q filing quarterly with the Securities and Exchange Commission. The rules on debts being charged off is with the Federal Deposit Insurance Corporation through the FDIC Act,  XXXXode 5000. A debt can be classified either standard or sub-standard. Debts over 180 days late must go into the sub-standard category and written off on a quarterly 10Q SEC filing. These charge 0ffs usually are submitted in the tens of millions of dollars. So its virtually for these debts to be sold..period. Accordingly, I request full validation proving the debt purchase. Secondly, I will entertain a very low settlement agreement to put my dispute to rest. All of the settlements can be submitted through the CFPB portal email address submitted. I am still within my rights under the FDCPA since proof of a purchase to a third party has never been established.
Product: Credit reporting or other personal consumer reports

I became a victim of Equifax 's failure to properly manage my credit information, which severely impacted my financial stability. Despite submitting disputes regarding inaccuracies on my credit report, Equifax did not conduct a thorough investigation into these claims. This lack of diligence meant that critical issues remained unaddressed, causing significant stress and confusion. 

Furthermore, when I attempted to safeguard my financial identity by requesting a security freeze and an identity theft notice on my account, Equifax failed to implement these protective measures. This oversight left my personal information exposed, making me vulnerable to further identity theft and fraud. 

My experience was compounded by Equifaxs consistent failure to update and correct the inaccurate information on my credit report. A particularly glaring error was the listing of a mortgage service provider with a transfer date recorded as 1896, a clear indication of negligence. Such inaccuracies can have severe consequences on my creditworthiness, affecting my ability to secure loans or credit at favorable terms. 

To add to my frustrations, Equifax has not provided adequate support or fraud services for victims of identity theft. This lack of assistance left me feeling abandoned and overwhelmed as I navigated the aftermath of these issues, without the necessary resources to recover my stolen identity or rectify the misinformation on my report. The ongoing inaccuracies and the absence of effective remedies from Equifax have created significant barriers to my financial well-being and peace of mind.
Product: Credit card or prepaid card

MY NAME IS XXXX XXXX XXXX XXXX  MY ADDRESS IS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  MY CELL PHONE IS XXXX  MY EMAIL IS XXXX  
ON XXXX XXXX XXXX I WENT TO THE XXXX XXXX BUSINESS TO BUY A BED MATTRESS, THEY INVITED ME TO APPLY FOR THE STORE CREDIT CARD AND I AGREED TO FILL OUT THE APPLICATION. THEY TOLD ME THAT I WAS APPROVED AND THAT I WOULD GET MY PRODUCT IN TWO WEEKS. DAYS PASSED BY AND I RECEIVED A LETTER FROM THE BANK SAYING THAT THE CREDIT CARD HAD NOT BEEN APPROVED AT THAT MOMENT AND FROM THE XXXX XXXX BUSINESS. THEY NEVER CALLED ME TO PICK UP THE PRODUCT, FROM WHICH I DEDUCTED THAT THE CARD HAD NOT BEEN APPROVED OR THE PURCHASE HAD BEEN MADE. SOME MONTHS PASSED BY AND IN THE MONTH OF XXXX THE FURNITURE STORE CALLED ME TO PICK UP THE MATTRESS, TO WHICH I RAISED THE REPORT THAT IT HAD NOT BEEN APPROVED ACCORDING TO THE CARD, AND SINCE THEY NEVER CALLED ME AFTER 2 WEEKS THAT THEY REMAINED. BECAUSE I HAD GONE TO BUY THE PRODUCT IN ANOTHER PLACE AND I NO LONGER NEEDED IT TO BE CANCELED. THEY NEVER DID ANYTHING, THEY DID NOT WANT TO PROCEED TO FIX THE SITUATION AND THEY CHARGED THE PURCHASE TO THE CARD THAT HAD NOT BEEN APPROVED BEFORE. NOW I HAVE A REPORT ON MY CREDIT FOR LACK OF PAYMENT AND ON SEVERAL OCCASIONS I HAVE TALKED TO THE FURNITURE STORE AND THEY HAVE NEVER WANTED TO FIX ANYTHING AND THE BANK HAS RUINED MY CREDIT. 

THE NAME OF THE BUSSINESS IS: XXXX XXXX
ADRRESS: XXXX XXXX XXXX XXXX XXXX XXXX CA. XXXX
PH: XXXX XXXX

THE CREDIT CARD IS: BRAND SOURCE FROM CITI BANK, N.A.

I DON'T KNOW WHAT TO DO. IF YOU COULD HELP ME I WOULD GREATLY APPRECIATE IT.
Product: Debt collection

Jefferson Capitol has been repeatedly calling, harassing, with phone calls, and with threatening actions to collect a debt. They have been told verbally and by certified mail to stop the harassing tactics and phone calls. They have repeatedly ignored the verbal and written requests to stop the phone calls. The last phone calls, where on XX/XX/2022, XX/XX/2022. I have a call log, date, time and length of each call. The callers name, was XXXX and wouldn't provide any other information. The supervisors name was XXXX and wouldn't supply anything further either.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Acct # XXXX, SSN XXXX discrepancies in the High Credit amount, showing XXXX for XXXX  Student Loans showing late payments during Month of Pandemic when it was decided by the FCRA that all student loans payments would be suspended during those months. Acct # XXXX XXXX  Acct # XXXX, showing derogatory when there is a XXXX balance XXXX XXXX  Acct # XXXX, Auto Loan, showing collections with XXXX, balances are inaccurate. I was affected by the pandemic and did not have the means of making the payments. Natural disaster beyond my control XXXX XXXX XXXX XXXX, Acct # XXXX, inaccurate reporting on my report XXXX XXXX XXXX XXXX XXXX Acct # XXXX, inaccurately reported Inquiries that are bad and not authorized by me
Product: Credit reporting, credit repair services, or other personal consumer reports

Please remove the following inquiries from the credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  -- The following accounts violates my rights as a consumer 15 USC Code 1681B, I never gave any permission for any debt to furnish ANY information to any bureaus and it is assisanate my character as a consumer and my right to privacy violated my consumer right 15 usc code 1681A PLEASE REMOVE ALL ACCOUNTS AS THIS IS MY SECOND TIME WRITING AND I WILL BE REQUESTING A FINE OF {$1000.00} I have sent several letters to the bureaus in regards to this issue and none of the accounts has been removed.
Product: Credit card or prepaid card

About three months ago, I received a statement from CitibankXXXX 
I was charged over {$9000.00} for items from a merchant called XXXX. 
I had never heard of XXXX and immediately called the consumer fraud line for CitibankXXXX and reported these charges as unauthorized. 

I called the " bank '' on at least four different occasions ; the customer service representative each time reassured me that the charges would be " credited back '' to my account as soon as the " fraud division '' was finished with its investigation. 

On XXXX XXXX, I received a letter marked " Notice of Adjusted Minimum Payment Due '' The adjustment was for a huge amount, {$460.00}. 
I immediately called the bank to find out about this payment. 
This is the response : they credited back {$3000.00} ( + ) but claimed I still owed {$6000.00} I asked 2 questions, for which I was unable to get the answers ) 1- If all the charges were for the same merchant, XXXX  , why were some decided to be legitimate and others not?

2- what was the criteria used to decide the legitimacy of each claim? 

I was unable to get thru to the Fraud Division " Escalation Department '' which has the authority to change these decisions. I was cut off, misdirected, hung up on and generally frustrated in my ability to to anyone with any ability to answer my questions or address my issues. 
I couldn't even talk to anyone to cancel my card.would appreciate help with this issue. 
I paid the {$460.00} this month not because I agreed with the charge but because I didn't want it to affect my credit rating. 
thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE DISPUTED THESE ACCOUNTS MANY TIMES YET TO NOT HEAR A WORD OF WHATS GOING ON THIS MY LIFE AND THIS MESS HAS HURT MY BUSINESS AND LIFE
Product: Credit card or prepaid card

Amazon Chase Visa. They default charge me instead of my own card, I never opened the card, and I ca n't close it.
Product: Money transfer, virtual currency, or money service

Yesterday XX/XX/2019 I was trying to purchase tickets to a concert through XXXX. I had a few back and forth emails with a person who seemed legitimate and was going to sell me his tickets. We agreed on a price and I sent him via XXXX on the wells Fargo app the amount of {$400.00}. I did not receive the tickets. After realizing I've been scammed I decided to call wells Fargo today XX/XX/2019. I spoke to a representative, they told me I could file a claim but not with them, with XXXX, so they transferred me. I spoke to a XXXX representative who told me there was nothing they could do. They suggested I file a police report, which I am going to do tomorrow morning. I also filed a complaint under the internet crimes department. I just feel a bit helpless and banking with Wells Fargo for many years, they are usually more helpful than that. I'm understandably upset.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX XXXX, am submitting this complaint without any assistance from any third party. Attached below is my FTC Identity Theft Report and my full complaint. I fully authorize this notice and compliance. I have also mailed all respective CRAs my identity theft affidavit. 
I have never authorized or gave XXXX written consent to any 3rd party affiliate CRA to furnish my data with the following companies, please be aware, no consent, is identity theft and you guys have no permissible purpose without my consent pursuant to 15 USC 1681 : XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX