23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

In XXXX, property taxes were not paid properly on the property resulting in delinquent property taxes. Once taxes were paid in XX/XX/XXXX, and escrow analysis showed that the account was - {$7000.00} short for the future year. An escrow adjustment was made to catch up in XXXX. 

Moving forward, we were told to manually upload a property tax bill annually to ensure proper payment. 

Electronic Tax Bill Submission XXXX ( Can not pinpoint exact date ) XXXX Phone Call XXXX @ XXXX. Spoke with agent about property taxes. Confirmed that property tax bill was received on XX/XX/XXXX in the amount of {$4900.00}. Confirmed that the amount was correct and that the tax would be paid before EOY. Agent suggested calling back on XX/XX/XXXX to confirm. 
XXXX @ XXXX. Spoke with agent about property taxes. She stated that while Lakeview has the bill it had not been escalated to be researched and would likely not get paid before EOY. I inquired about paying them myself to ensure payment. They said they would notate the account to not pay the taxes as we would do it and submit a receipt through the portal. 
XXXX @ XXXX spoke with agent and voiced our frustration with the management of our escrow account. She stated that it would be escalated and researched. I requested a hold on any escrow analysis until the property tax refund had been received. Will call back again on XX/XX/XXXX to get a status. 
XXXX received a notice that property taxes were paid for a second time by XXXX in the amount of {$4800.00}. This is the second consecutive payment ( XXXX ). Upon inquiry we were told that the incorrect parcel was paid the amount of {$6400.00} so they paid the correct amount {$4800.00} to the correct parcel. The problem with this is that we submitted a fully paid receipt in XXXX which they acknowledged receipt of. Our escrow account has not been depleted to zero and we have been told that we need to wait for the county to refund payments. This is not an acceptable resolution as we did not make the mistake the service did. 
XXXX - Research and escalation team contacted me regarding a status update and we have been told that they are still awaiting refund from the county. Again this is not an accepted resolution. Our account needs to be credited {$11000.00}, followed immediately by a refund to myself of {$4800.00} for property taxes paid directly by me. 


Actions XXXX @ XXXX property taxes were paid by homeowners. Receipt uploaded around XXXX to the portal.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've reached out to Macy 's on two separate occasions requesting lawful information under the Fair Credit Billing act. All letters were sent via priority mail with tracking. All requests were received by MACY 'S Credit Dept, yet ignored. These are clear violations of the Fair Credit Billing Act. The interesting part is that I've disputed this account with all three credit bureaus on multiple occasions and the bureaus " claim '' that MACY 'S responds to them and verifies the account. It's become very clear that the information I'm requesting no longer exist with Macy 's. 

After sending letters to the original creditor and not getting a response I decided to dispute it with XXXX, XXXX  and XXXX. I've even sent them a copy of the letters sent to MACY 's and asked them to remove the data but they have also ignored my request. The bureaus can clearly see that I've put forth effort to reach the original creditor for verification/documentation but they decide to leave it on my credit file. The bureaus are violating the FCRA by allowing this data unverified data to be reported. 

I've attached all correspondence sent to Macy 's, including my most recent letter dated XX/XX/2019 which is being mailed out today. Delivery confirmation of previous letters is also attached.
Product: Debt collection

I seen this debt on my credit reports and previously disputed it because I had no idea what it was. A few years later, I pulled my credit report and seen it was still on there. I disputed it again with the credit bureaus and also sent a letter to National Credit Adjusters asking them to prove the validity of this debt. They mailed me the original contract that was electronically signed, however this wasn't me. I sent a second letter explaining that my previous name was involved in a data breach with XXXX and requested proof of identity when this loan was originated ( i.e. copy of drivers license, etc ). The date this contract was signed ( XX/XX/2018 ), I was married, had a different last name, and never resided at the address that is stated on their paperwork. This collection is reporting negatively on my credit reports, claiming that I owe {$1100.00} for a debt that I never took out.
Product: Mortgage

We were shocked last week to have XX/XX/XXXX mortgage payment returned with letter saying we should contact them to receive the reinstatement amount.

After reading this I called them and they were closed. I then reactivated my online information to try to go see what is happening. Have n't received anything from Ocwen to know there was a problem.

Then could hardly breathe while screenshotting the account activity.

It shows that all payments were received and returned since XX/XX/XXXX, almost a year! This is the first time I received a returned payment. Where are the other 10 returned payments? Why did they get returned? Was insurance even paid? All this time I had no idea, why? We are sending them and where are they now??? 

The letter has my parents old address, was returned and Ocwen placed in a handwritten envelope. Then resent to my correct address which is the property address. * I used to have important mail sent to my parents address, my dad passed away 4 years ago, mom moved out and requested for mail to go to the property address again. 

On XX/XX/XXXX : -The bank said that they were n't cashed. We are able to cancel/reissue.

-The Post Office is looking into this but said highly unlikely that would happen that many times-they must not have really returned them AND the mail would have been returned to sender. 
-We checked with the homeowner of my parents old address-he has n't been receiving them. 

This is so scary, I feel scared and defeated by them once again. 
I 'm lost at how to figure this out. 
Nothing to my property address, no phone call-those things have n't changed. 
I 'm shocked that there is n't anyone coming to our house to collect?! For a year! 

Years back they told me that I needed to pay a huge amount because I fell behind. They inflated the amounts and I had to pay up because they said it was too late to do loan modification. Hindsight, they were probably being dishonest. We made the arrangements and paid to have everything good again. Now this. And during that period there were letters notifying us. 

I told my entire family, some started looking online and found your company sued them for exactly the things I have went thru in the past. In addition, massive amounts of homeowners in the same situation with this company. I am just in a state of fear. 

I feel like if I called them, they will say another insane amount to steal from us. I 'm shocked that there is even a record of consistently receiving payments and returning them. 

I am completely overwhelmed and fear the worst. Since your company has faced them, I 'm hoping to learn what I can do to save our house. How to resolve this. Seems like they hope that people are going to be too scared and they will get their homes. Cant imagine losing our home after 20 years- our dogs are buried here. We are getting the payments canceled and reissued but I just do n't trust these guys-please help.
Product: Credit reporting or other personal consumer reports

There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently. 

FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

The account was settled and the company XXXX XXXX XXXX paid in full and a refund then reversed it 2 months later causing me adverse harm to my bank account and credit worthiness. Now they are reporting the account as late and reporting inaccurate information. I also sent them a cease and desist and they still continuously harassing me causing me XXXX  and mental anguish. Being duly sworn, hereby swear under oath that : My rights have been violated and I requested immediate remedy through Due Process. Per 15 USC 6802 ( b ) ( c ) I am supposed to receive knowledge of my rights to optout of my personal information being disclosed/reported through a 3rd party unaffiliate and then a second notice to instruct me on that process. Per 15 USC 1666 ( b ) you can not list a payment late on an open account or closed if there is a billing error or unless you can prove with incontrovertible evidence that it was mailed and delivered before 21 days of the due date. No proof has been given or shown and the 3rd party never requested proof to confirm before marking my credit profile with a late payment. Not only did I not receive these said notices and instructions. I also have not received any proof of the damaging action of a late payment.The things that are being reported are affecting my business reputation in a negative way. It is causing me higher interest rates and credit denials. It is also causing immense amounts of XXXX. Which is also hurting me on an emotional, physical and mental level. If this is not rectified within 30 days I will be left with no choice but to further my elevated XXXX  by pursuing legal action exercising my rights in 15 USC 1692 ( b ) ( d ) ( e ) ( k ). As their choice to not manually perform an investigation and to rely on eOSCAR is also causing further damage. The remedy I currently request is all negative items removed from my credit report immediately.

Under penalty of perjury, I hereby declare and affirm that the abovementioned The statement is, to the best of my knowledge, true and correct.
Product: Consumer Loan

I have been harassed by Synchrony Bank for the last month. They say they never received my XX/XX/XXXX payment even though they processed my electronic payment. I have the proof from my bank but they say they wo n't accept an email, I must fax or mail the proof. I did n't make the mistake and I am not willing to do all the work when it is their mistake. I need to buy a car and they are preventing me from being able to qualify for a car loan. I want them to make THEIR mistake right.
Product: Credit reporting or other personal consumer reports

I have not supplied proof under the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX presume that no proof of the alleged debt. nor therefore any such debt in fact therefore exist. ( please remove this account before I seek litigation for defamation of character. ) XXXX XXXX XXXX XXXX {$0.00}, XXXX XXXX {$490.00}, XXXX  XXXX {$0.00}, XXXX XXXX XXXX XXXX {$7200.00}, XXXX XXXX {$1800.00}, XXXX XXXX  XXXX XXXX {$170.00}, XXXX XXXX  XXXX XXXX {$190.00}.
Product: Money transfer, virtual currency, or money service

Venmo wont let me use my account anymore. Whenever I try to pay somebody it gives me a vague error " There was an issue with your payment please try again later '' What originally happened is I had an issue with my bank account where I didn't have enough funds to clear a payment. Since then Venmo won't let me make a payment or delete my bank account. 

Today I tried to make a payment using my newly added chase credit card - denied. 

I tried readding my bank account ending in XXXX and it was also denied from verification. The two trial deposits I entered are XXXX and XXXX. They are now saying " Unable to verify bank account '' and that the two deposits are incorrect. 

Venmo, I am kindly requesting a more detailed explanation as to why my account is locked right now, something beyond your typical " for security purposes '' vague explanation. 

If you do not unblock my account, then consider this my official request to delete ALL my data and information from your databases pursuant to the California Privacy Act. If you won't let me use your services anymore, AND you won't give me an explanation or time line as to when I will be able to use my account anymore, then there is simply no reason for you to keep my information on file. 

Previously I tried to delete my bank account information thru the app, but I noticed your app was designed in a way to not let me easily delete my bank account information. I had to call in and wait on hold for a very long time before a representative was able to delete it. 

No reasonable person would find this behavior acceptable. Venmo, please provide a thorough explanation as to what is going on with my account and do not hide under the blanket excuse of security. 

Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

****THIS IS NOT A REQUEST TO PUT ANY KIND OF FRAUD ALERT OR SECURITY FREEZE ON MY ACCOUNT**** I AM TIRED OF YOU DOIN THAT TO SIMPLY SAY YOU HAVE ADDRESSED MY COMPLIANT. EXPERIAN YOU HAVE UNAUTHORIZED CREDIT INQUIRIES THAT DO NOT MEET THE " PERMISSIBLE PURPOSE '' CLAUSE OF THE FCRA. ACCORDING TO THE LAW YOU THE CREDIT BUREAU MUST SHOW PERMISSIBLE PURPOSE FOR ALL INQUIRIES. I AM CHALLENGING YOU TO PRODUCE SUCH DOCUMENTATION. ANYTHING THAT YOU SEND ME SIMPLY SAYING THAT YOU MUST KEEP THE INQUIRIES ON THERE BECAUSE OF FACTUAL TRUTH IS 100 % WRONG, AGAINST THE LAW AND I WILL PUSH FOR A FULL INVESTIGATION INTO YOUR REPORTING IF YOU DO NOT COMPLY WITH MY REQUEST.
1.   XXXX   XXXX   XXXX   XX/XX/XXXX  I DO NOT RECOGNIZE THIS COMPANY, THEY DID NOT HAVE PERMISSIBLE PURPOSE TO PULL MY CREDIT AND YOU DID NOT HAVE PERMISSIBLE PURPOSE TO SHARE MY CREDIT SO REMOVE IT IMMEDIATELY.
2.   XXXX   XXXX   ON  XX/XX/XXXX I DO NOT RECOGNIZE THIS COMPANY, THEY DID NOT HAVE PERMISSIBLE PURPOSE TO PULL MY CREDIT AND YOU DID NOT HAVE PERMISSIBLE PURPOSE TO SHARE MY CREDIT SO REMOVE IT IMMEDIATELY 3.   XXXX   XXXX    XX/XX/XXXX  I DO NOT RECOGNIZE THIS COMPANY, THEY DID NOT HAVE PERMISSIBLE PURPOSE TO PULL MY CREDIT AND YOU DID NOT HAVE PERMISSIBLE PURPOSE TO SHARE MY CREDIT SO REMOVE IT IMMEDIATELY 4.   XXXX   ON XX/XX/XXXX  I DO NOT RECOGNIZE THIS COMPANY, THEY DID NOT HAVE PERMISSIBLE PURPOSE TO PULL MY CREDIT AND YOU DID NOT HAVE PERMISSIBLE PURPOSE TO SHARE MY CREDIT SO REMOVE IT IMMEDIATELY 5.  XXXX  ON  XX/XX/XXXX  I DO NOT RECOGNIZE THIS COMPANY, THEY DID NOT HAVE PERMISSIBLE PURPOSE TO PULL MY CREDIT AND YOU DID NOT HAVE PERMISSIBLE PURPOSE TO SHARE MY CREDIT SO REMOVE IT IMMEDIATELY.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair credit reporting act.The list of accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 usc1681. XXXX account # XXXXXXXX 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  15U.S.C 1681 section 602 A . States I have the right to privacy. 15 U.S.C 1681 section 604 A section 2. If also states a consume reporting agency can not furnish an account without my instructions. 15 U.S.C 1681 C. ( 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 conviction of crimes which antedates the report by more than seven years. 15 U.S.C 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer report agency if the person knows or has reasonable cause to believe that the information is inaccurate
Product: Mortgage

XXXX is representing the seller of a property in XXXX, KY for the purchase of a new home in XXXX, KY. Proceeds from the sale of their current home will be used for the purchase of the new home. XXXX has requested the title company to provide a prelimary seller side CD to verify funds needed to close. After tow weeks of requesting the Title Company ( Executive Title ) will not comply with our request.
Product: Debt collection

I have contacted this company in XXXX and XXXX for proof of account. They are reporting a {$100.00} account on all three credit bureaus. I have also contacted my state Attorney General office and they are not legally authorized to collect in the state of Nebraska.
Product: Credit reporting or other personal consumer reports

In accordance with The Fair Credit Reporting Act, XXXX XXXX XXXXXXXX Acct # 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: Prepaid card

I received an American Express gift card from work for XXXX and I am unable to use the card anywhere ( online or in a retail store ) When I call the customer service number they provide which is XXXX I am told the card is active and the money is on there ( currently {$99.00} ). This same balance is reflected online as well along with showing the card as active. 

Customer service provides XXXX solutions or resolutions. All I am told is try the card somewhere else which is ridiculous considering the fact that I have now tried the card at all the places listed below +. I have called the customer service line several times over the last few days and even asked for a supervisor but they just flat out refuse to provide any sort of resolution. 

Online : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

In store : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

These are just the places I can think of with possibly even more places tried. 

This issue seems to be widespread and is affecting tons of people according to XXXX, social media and XXXX.
Product: Credit reporting or other personal consumer reports

Dear TransUnion I see that you verified the account listed below : XXXX  : Account number : XXXX, XXXX. Fix the balance information. 

XXXX : Account number : XXXX, XXXX. Fix the balance information. 

XXXX : Account number : XXXX, XXXX. Fix the balance information. 

XXXX : Account number : XXXX, XXXX. Fix the balance information. 

XXXX | XX/XX/2023 : Account number : XXXX, XXXX. Fix the balance information. 

XXXX XXXX : Account number : XXXX, Misleading. Fix the balance information. 

XXXX XXXX : Account number : XXXX, Misleading. Fix the balance information. 

XXXX : Account number : XXXX, XXXX. Fix the balance information. 

XXXX XXXX : Account number : XXXX, XXXX. Fix the balance information. 

XXXX : Account number : XXXX, XXXX. Fix the balance information. 

XXXX : Account number : XXXX, XXXX. Fix the balance information. 

XXXX : Account number : XXXX, XXXX. Fix the balance information. 

XXXX : Account number : XXXX, XXXX. Fix the balance information. 

XXXX XXXX | XX/XX/2023 : Account number : N/A, Misleading. Fix the balance information. 

I just finished reviewing the FCRA and it stated that your company was supposed to respond to my disputes within 30 days. What happened? It also stated that if you can provide a timely response, the items in question must be deleted. I demand that you delete the items above ASAP. If you choose not to follow what the FCRA states, I will seek legal advice on this matter. Please send me an updated credit report with all items listed above deleted. 

I know you will do the right thing. Im just a person just like you trying to fix the inaccurate items on my credit report, but I will protect my rights if I have to. 

Please DELETE THE ITEMS ABOVE, AND SEND ME AN UPDATED FULL CREDIT REPORT AND NOT A PARTIAL REPORT. 

Have a nice day.
Product: Checking or savings account

I have a dispute for {$44.00} that was denied because the dispute department there filed it wrong then the 2nd and 3rd agent said they corrected it which they didn't. I was also told months ago that the credit builder card had buyer protection so going forward for risker transactions I specifically used the credit builder card. Well I had an issue then disputed it and was told the complete opposite and then the claim got denied meanwhile my electric bill is due and at least with the credit I would have been able to cover it but nope not now. Just liars at Chime and mislead and file improperly. I'm contacting the consumer protections agencies XXXX and whatever else I possibly can for both Chime and XXXX XXXX FDIC until this is resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion displays innacurrate employer on credit report. I don't work for XXXX XXXX. I work for XXXX.
Product: Debt collection

Previously had a lease with XXXX XXXX between the months XX/XX/XXXX-XX/XX/XXXX. XXXX XXXX agreed to let us out our lease with no penalty and any additional fees on XX/XX/XXXX through a signed release agreement which stated that we would not pursue civil actions. After this was signed the apartment complex as sold to a new property management company, XXXX XXXX, who is trying to collect on behalf of XXXX XXXX. We received a notice on XX/XX/XXXX in regards to a balance due. We question some of the fees associated with the balance as they were to be removed were still listed. We requested from the collection agency and the property management a copy of a itemized and detailed statement, but was never provided XXXX. We then sent a letter stating that we would be initiating a civil proceedings to get the things we need and to pursue civil penalties. We were contacted by an attorney who threatened to sue us and take us to court if we pursued civil action against them. Through out contacts with the attorney we requested a itemized copy of our final statement. He agreed and sent the request on XX/XX/XXXX. I have attempted to follow up with XXXX XXXX XXXX on several different occasions with the most recent occurring on XX/XX/XXXX in regards to a statement and itemized bill. The leasing consultant refused and stated that she could not help me. The collection agency stated that they are no responsible for the balance and the contract is now between Rent Recovery Solutions and myself. They stated that the balance is due to them. 
The collection agency was faxed a copy of all the documents I hade pertaining to the balance but on XX/XX/XXXX they claim they never got them. I was able to retrieve a copy of the fax cover letter and confirmation which clearly states that I indeed sent the information. 
Now the account is in collection and we as the consumer have no way to verify the amount the debt or the accuracy of the balance. We also agreed to pay the balance due once we received a itemized statement with the correct final balance. 
The collection agency, the attorney and the property management have failed to provide us with a final statement. The only thing close to a statement is the letter from the collection agency. 
The charges that should have been removed and are in question include : {$75.00} Return Check Fee {$1000.00} Early Termination Fee {$97.00} Late FeeWe were also to be given a credit of {$330.00} because the apartment was not move in ready but that fee was removed and without being provided a notice. 

Again we would like to have this balance paid in full as soon as next week but only if we can see an itemized bill to verify if all the fees were correctly adjusted.
Product: Student loan

My account is set up for auto-payments monthly. The website states there are up to two day delays in auto-withdrawal for student loan payments. In my dashboard, there is no information about my XXXX withdrawal. It's as if it does not exist. The money has not been withdrawn from my account, though the website says my loans are in good standing and I have no payments due until XXXX. The accrued interest on the accounts has also not gone away with the alleged XXXX payment. 

Further, the website is useless and not user friendly. Customer support is needed for any changes to the account or payment plans, yet the customer service line on average has wait times of 30 minutes to 2 hours.