23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

My husband and I purchased our home in XXXX 2013 and our mortgage servicing was transferred to BB & T. BB & T has been completely negligent in how they have handled our escrow account and our loan servicing, in general, and has cost us an immense amount of time as a result. They applied a payment incorrectly, only to re-allocate it when we received a collections call and disputed the alleged missed payment. They have also mismanaged our escrow account and, as a result, we believe that they have not given the full refund required under RESPA. They have overstated the premium paid for flood insurance despite our providing them with notice of the error in their records. BB & T has also made a practice of harassing us for alleged insufficient insurance coverage, even though our insurance coverage has always exceeded the XXXX of our loan as well as our property value. After spending countless hours on the phone they finally advised us that BB & T has an undisclosed policy that homeowners ' and flood insurance coverage amounts match exactly. We have corrected the difference and BB & T is still harassing us with letters claiming that we have insufficient flood coverage and threatening to purchase force placed insurance.
Product: Credit card or prepaid card

Hello,In XX/XX/XXXX I called XXXX I had lost my credit card and got married. I asked to do everything at once to get my name changed and then issue me a new card. The person on the line helped and stated a card was sent. Since then I have been locked out of my account online and I was not able to log in to pay my account. I have called 3 times for a new card and now I am being told they will not send me a new card because my account is XXXX overdue. How am I supposed to pay my account if I do not have a card and can not log in online? They refuse to send a card to me. This process is absolutely ridiculous. I couldn't get a card when my account was up to date anyways. They wont unlock my account so I can log in online and pay. I do not make payments over the phone and should not be forced to. I will not be paying this account until they actually get a card delivered in my hands. I will also not be responsible for late fees. They have the correct address. I was hung up on with my first call today. Called back again spoke to XXXX (supervisor) who transferred me to XXXX who wouldn't transfer me to a supervisor stating he was unavailable and they would call me back in 24-48 hours. This is beyond horrible customer service. I have gone through the BBB and the communications from that gentleman was horrible as well. Just send me a new card. This is ridiculous.
Product: Credit reporting, credit repair services, or other personal consumer reports

1. XXXX XXXX, Account number XXXX is fraudulently published on my personal file. On XX/XX/XXXX I spoke with XXXX, a XXXX XXXX representative, she verified that my social security number is not linked to a mortgage in their system nor have I ever had a mortgage with XXXX XXXX. Even more important, I have NEVER assumed a mortgage thus far in my life. This account is not mine and I want it deleted from Equifax, XXXX and XXXX credit report files. Thank you. 

2. On XX/XX/XXXX, XXXX XXXX put a hard inquiry on my Equifax credit report. I have disputed this twice as inaccurate and fraudulent. Equifax replied on XX/XX/XXXX with results being verified as accurate however according to my XXXX XXXX  - Inquiry Impact Complaint conversation, reference number XXXX, my social security number is not in their banking system. Please investigate and delete this inaccurate information from my personal credit reports reports. Thank you.
Product: Credit reporting or other personal consumer reports

This is one of my attempts to notify credit bureaus that I am a victim of identity theft and that I want to query certain records in my documents that resulted from the crime. The documents I'm looking at have nothing to do with any transactions involving goods, services, or money that I've made or approved. Assuming no one cares, remove any material in my credit report that was obtained through alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXXXXXX XXXX Balance Owed : {$540.00} XXXX XXXX XXXX Balance Owed : {$760.00} XXXX XXXX XXXX Balance Owed : {$3100.00} XXXX XXXX XXXX XXXX Balance Owed : {$600.00} XXXX XXXX Balance Owed : {$5200.00} XXXX XXXXXXXX Balance Owed : {$470.00} XXXX XXXXXXXX Balance Owed : {$620.00} XXXX XXXX Balance Owed : {$5200.00} XXXX XXXX XXXXXXXX Balance Owed : {$600.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

I reviewed my recent credit report and upon checking I noticed that there are inaccurate and fraudulent accounts that I needed to report and correct by your company. My information was misused and it is identity theft. I did not own the following debt. Here are the lists that indicates the company name, balance, and date last reported : XXXX / {$830.00} / XX/XX/2021 XXXX XXXX/ {$550.00} / XX/XX/2021
Product: Credit reporting or other personal consumer reports

I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXX XXXX  Account # : XXXX XXXX XXXX  Account # : XXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ). 
According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes. 
Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : Account name : XXXX  Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the XXXX Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit report and I found all of these fraudulent accounts and hard inquires that were fraudulent as well XXXX XXXX XXXX XXXX on XX/XX/XXXX in the amount of XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX KLS FINANCIAL open on XX/XX/XXXX in the amount of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 reporting, credit repair services, or other personal consumer reports

I was denied credit by a consumer lending company for a purchase due to a freeze on my credit by Equifax. I tried to contact Equifax but there is no way to speak to anyone and there is no way to unfreeze a frozen credit account. There is only an automated phone system and when you direct it to send you to a person you go on hold for many hours and no one ever answers. It's diabolical. I never asked to have my credit frozen, and now there is no way to unfreeze it. There is no email to send an " unfreeze '' complaint. No one answers the phone at their customer service. There is NOTHING. This should be illegal! My credit is in the 800 's with all credit reporting agencies but I can't get credit because of this diabolical freeze at Equifax that they make it impossible to remove.
Product: Mortgage

We used New American Funding to obtain a conventional home loan for a home we closed on XX/XX/2016. 

The Loan Consultant for New American had originally estimated the annual property tax to be {$2900.00} a year when he issued us a loan estimate on XX/XX/2016. By the time we closed, the underwriter had readjusted the taxes down to {$1800.00}. Now that we have been in the home for a year we have learned that the taxes will be {$3100.00} and our escrow account has a severe short fall that will cause our monthly mortgage payment to increase by 21 % for the next year. 

The previous home owner was a XXXX veteran, was using the property for agriculture, and he was a senior citizen, thus he qualified for extensive tax exemptions. When the underwriter pulled the tax certificate for the previous owner they failed to ask the local tax office a very simple question, " Was the property receiving any tax exemptions? '' The tax certificate has a statement which reads, " If applicable, the above described property is receiving special valuation based upon it's use. Additional rollback taxes that may become  due based upon the provisions of the special valuation are not indicated on this document. '' If the underwriter had read the tax certificate and would have made a simple phone call they would have known not to change the original tax estimate that was provided by New American 's Loan Consultant. Instead, we are the ones penalized by their mistake. A 21 % increase in mortgage payment is unacceptable.

I have tried talking to New American but they do not believe they have made a mistake. They believe that the home 's reassessment is the cause for the gigantic leap in tax liability. They aren't reasonable and won't even acknowledge their mistake. The fact that their own Loan Consultant was almost spot on with his original tax estimate tells me that New American has a serious problem with their underwriting process.
Product: Checking or savings account

On XX/XX/2023 I wired XXXX from XXXX XXXX to chase bank checking nr XXXX because the recepient has an account with the Chase Bank, the XXXX went thru. After I noticed few days ago that it was scammed, I immediately reoietec it to my bank which is the XXXX XXXX, then XXXX XXXX started their investigation hoping to recover my XXXX, they sent three times request to the Chase Bank however, the Chase Bank did not reply. I wrote this complaint to you so I can get my money back hopefully.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had seen my credit report and I see that they are multiple inquiries from Chase and XXXX that I do not recognize and do n't believe making so I would like them removed.
Product: Checking or savings account

I got an update on XXXX XXXX on XX/XX/24 saying there has been a new inquiry on my credit report from Capital One bank. I do not bank at Capital One and I have not tried to so this is not me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi! My name is XXXX XXXX, I've just learned that the items I requested for you to investigate and delete are still on my report, what's going on? you seem to be ignoring my letter. I sent it on XX/XX//2022 but to now, a month has passed. I still haven't received any response from you yet. I was told by a XXXX XXXX from an online forum that this is a violation of my right, under 15 U.S.C 1681N and 1681O for willful and negligent, and non-compliance and I am willing to take it to the next step should you continue your negligence.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of ID theft and have since filled out a FTC report. The three CRAs, yes all three. Have been allowing companies to report charge offs on already closed and charged off accounts. Making the total for each account upwards of 15 charge offs. This I know is not only happening to me. The fact is a charge off is a closure and sale of an account. Not the closure and sale of an account and unlimited amount of times. This has severly hurt my score and ability to get credit from any business. There investigations also never return to me with any information on the accounts I dispute. There for their is no information they can actually say the CRA is using to report the claim as accurate.
Product: Credit reporting or other personal consumer reports

Please delete or remove these items on my behalf. This is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you.
Product: Credit card or prepaid card

In accordance with the fair credit Reporting act XXXX Account # 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 a purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

Delete, delete, delete.. ALL bureaus are suppose to have physical copies of all documentation from the creditors for the accounts they choose to report. So by not having a sign contract with a third party collection is illegal for them to collect on a debt, that 's " not contracted '' with them. Last but no least, THE RIGHT OF SUBROGATION DOES NOT EXIST FOR A STRANGER TO THE TRANSACTION. 73 AmJur 2nd, Section 90.
3rd party collectors are NOT ON ORGINAL CREDITOR CONTRACT! Never sign a legal binding contract : .Cant show internal verification, so please delete immediately. " so Canceled contract '' as another dispute reason .They do not have a contract with the entity they purchased the debt from along with contract rights.
Product: Vehicle loan or lease

Carvana is stealing money from Veterans in Arkansas and I am assuming many other states that issue a Veteran License plate at a reduced rate. I notified Carvana multiple times I would be transfering my registration over to the new car and have a verbal contract agreeing for the refund of the registration fees. However Carvana instead ignored this and is now attempting to steal money from myself in this insane fee which was not required. They have refused to refund this fee, this means that Veterans are being charged and extorted by Carvana for something that is not needed. Additionally, most likely due to the recent increase in states taking action against them and unhappy customers they have snuck in an arbitration agreement to their contracts to prevent their customers seeking justice and public awareness of these practices. The CFPB should take immediate swift action against Carvana for its numerous illegal practices and the insane amount of customers reporting issues with carvana 's " registration ''.
Product: Credit reporting or other personal consumer reports

Please eliminate these inquiries. I have no information about them, and the company acted without my approval.
Product: Debt collection

I've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking.My official complaint is against enhanced recovery. My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas. The individual I've suspected for this theft is now deceased, and the police department said to contact the federal trade commission to seek relief. These companies disregard laws and dont care whos credit or lives they impact.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have no record of this company. I have reported them to XXXX. Now there on my XXXX report. It is negatively impacting my credibility with a place for my family after be impacted with two hurricanes. I called the 1800 number theres a automated system try to sell healthcare products
Product: Mortgage

Chase is my mortgage servicer, but is failing miserably to provide me with an opportunity to keep my home. For several years ago I have been trying to work with them, but they have failed to provide me with any mortgage payment relief. They have dragged their feet and I believe they have not properly reviewed my loan for workout options. I make enough money to afford a reasonable payment and believe there must be some sort of modification or forbearance program available for which my loan can qualify, but Chase isn't taking me seriously. I have spent YEARS trying to get them to modify my loan and it seems impossible to get them to perform a financial calculation of my current income and offer a program that fits within the guidelines for mortgage assistance. Their staff has been robotic and I fear that I will lose my home because they are blocking me from getting help. I lived in my home since XXXX and I had my hours cut at my job a few years ago. I reached out the Chase to get help, but they kept denying me because they did not include all of my household income. My wife makes good money, but for some reason, Chase did not take her contribution into account. I contacted Chase when I knew I was going to miss my mortgage payments, but I have only gotten the runaround and have been unable get them to properly review my loan for workout options. I have had multiple single points of contacts who would never return my calls and I was forced to repeatedly send in the same documents that were " never '' received. Eventually I had to turn to an attorney who advised bankruptcy, but I continued trying to work with Chase to get assistance on my mortgage loan. They were given billions of dollars to help homeowners who are in trouble, but apparently can pick and choose who and how they help. During the last three years, I have been shut out every opportunity to have my mortgage loan reviewed for assistance options and need help to get them to treat me fairly.
Product: Credit card or prepaid card

XXXX XXXX : XXXX XXXX, XXXX XXXX  XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX 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 {$400.00} 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
Product: Checking or savings account

I opened up an account with Simple bank in XXXX. In XXXX of this year, Simple closed and transferred my account to BBVA. I never received a BBVA debit card, so I planned to close this account and stopped funding it. 

On XX/XX/XXXX, I called BBVA support and was told that I could not close the account because there was a positive balance of {$7.00} and change. I asked for a check, and told this was not possible, but instead I needed to withdraw or spend the money. I don't have a debit card and there are no locations near me. 

I called back in early XXXX and was moved between 3 departments over 90 minutes and then hung up on. I called back, was told I wouldn't be disconnected, and was hung up on. 

On XX/XX/XXXX, I received a notice that I owed XXXX  NSF fees, totaling over {$1200.00}. I called and was told I still can't close out the account because it is not a XXXX balance. The NSF fees were tied to XXXX transactions from weeks prior because I didn't change my back-up bank account. Please note that with Simple I did not have OD protection or ANY type of NSF fees. I never consented to OD protection/fees with BBVA. If provided the choice ( I wasn't ) I would've declined and allowed the transactions to decline. 

I called BBVA again on XX/XX/XXXX. I told them I want the account frozen and closed, and that I do not plan to pay these predatory NSF fees on an account I never wanted, for a service ( OD protection ) I never wanted, and for an account I had tried to close more than a month prior and was denied. The complaint has been escalated to Corporate as the agent I spoke with had no power to address the complaint directly.