23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

We mistakenly paid the first half of our property tax ( {$1400.00} ) out of pocket in XX/XX/XXXX out of pocket without realizing our property tax was bundled into our escrow. We noted that our mortgage has recently gone up to pay for the increase in property tax, so we figured we'd get that money back from our mortgage company since they didn't have to pull it from our escrow ( Because we paid it out of pocket accidentally ). We reached out to Amerihome, our mortgage company, to get refunded but they claim that their wired property tax money was not sent back to them from our local tax office ( XXXX XXXX, Kansas ). We then reached out to the tax office and then said they had only recieved our out-of-pocket payment. We then proceeded to go back and forth between Amerihome and our tax office with at least XXXX instances of contact ( Calling, live chat, app messages ) to each party over the course of XX/XX/XXXX to XX/XX/XXXX. The tax office says they never recieved the tax wire payment from Amerihome, only our credit card payment, and therefore will not be sending an payment back to Amerihome. Amerihome says they won't refund us until the tax office sends their money back.
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 Number : XXXX : Balance : {$0.00} Account Name : XXXX XXXX XXXX Account Number : XXXX : Balance : {$6500.00} Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX : Balance : {$1400.00} Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX : Balance : {$350.00} Account Name : XXXX : Account Number XXXX XXXX : Balance : {$240.00} Account Name : XXXX : Account Number : XXXX : Balance : {$630.00} Account Name : XXXX : Account Number : XXXX : Balance : {$1800.00} Account Name : XXXX XXXX : Account Number:XXXX : Balance : {$1200.00} And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 


Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : CAPITAL XXXX Account Number : XXXX Account Name : DEPTEDXXXX  Account Number : XXXX Account Name : DPT EDXXXX Account Number : XXXX Account Name : DPT ED/XXXX Account Number : XXXX Account Name : DPT EDXXXX Account Number : XXXX Account Name : DPT EDXXXX Account Number : XXXX Account Name : DPT ED/XXXX Account Number : XXXX Account Name : DPT EDXXXX Account Number : XXXX Account Name : DPT EDXXXX Account Number : XXXX Account Name : DPT EDXXXX Account Number : XXXX Account Name : DPT ED/XXXX Account Number : XXXX Account Name : DPT EDXXXX Account Number : XXXX Account Name : DPT EDXXXX Account Number : XXXX Account Name : DPT ED/XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This car is reporting as a charge-off, and should be off my credit report or reporting 100 % on time payments with no charge off reporting. This car loan has been settled with XXXX XXXX as a unlawful repossession due to unknown charges through collateral protection insurance. I was given monetary compensation and was told by XXXX XXXX that this loan will be removed from my credit report or reported 100 % on time payments with the charge off status taking off.
Product: Debt collection

Rec 'd letter from Ditech Financial LLC, Attention : XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, AZ XXXX, dated XX/XX/2018. They are attempting to collect a debt on behalf of XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX. The Ditech Account Number : XXXX. 

I am not the XXXX XXXX. XXXX they are searching and am irritated by Ditech 's tactic to send this notice to all XXXX XXXX. XXXX in the hopes of finding the right person. I am now having to spend my personal time to confirm to Ditech they have the wrong person due to their tactic and incompetence. 

Therefore, I am requesting Ditech to cease further communication with me, and want Ditech to send me a check for {$54.00} ( my hourly wage ) for my time and effort to respond.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following Inquiries. Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

This debt was charged off and is still reporting incorrectly.
Product: Debt collection

XXXX XXXX XXXX XXXX has violated Section 392.307 of The Texas Finance Code and Section 1066.26 of The Code of Federal Regulations by attempting to collect on a Time-Barred Debt. Ive received correspondences from Halsted Financial Services and XXXX XXXX XXXX XXXX both collecting on the same debt at the same time which is impractical. Neither debt collector disclosed that the account was a Timed Barred Debt. Failure to disclose a Time-Barred Debt is a direct violation under Section 392.307 ( c ) ( e ) of The Texas Finance Code. I have filed an additional complaint with The Office of The Attorney General to further disclose XXXX XXXX XXXX XXXX business practice.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am unable to retrieve my Equifax credit report. I even went so far as to sign up for their highest product tier, which is {$19.00}, was charged for it, and still am unable to access the account or my credit report/profile. I have called dozens of times, written to them, as well as faxed. They don't respond to my letters or faxes, and on the call, the agent just resets my password and tells me to wait 30 minutes and try again - same result. I am now being billed for a product I can not use. Now, my credit cards are being closed because they can not access my Equifax credit profile, and am unable to apply for any new credit because of this. I even had the agent change my email and password to no avail. Sometimes, when I try to sign in, it says an account doesn't exist and to sign up. When I enter in my information to sign up, it says an account already exists and to sign in.
Product: Credit reporting or other personal consumer reports

In Accordance with the Fair Credit Reporting act. The list of accounts below has voilated my federally protected consumer rights to privacy and confindentiality under 15 USC 1681. 

XXXX XXXX  XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXXXXXX XXXX XXXX  Account Number XXXX TN CHILD SUPPORT Account Number XXXX XXXX XXXXXXXX XXXX XXXX Account Number XXXXXXXX XXXX XXXX Account Number XXXXXXXX XXXX XXXX XXXX XXXX Account Number 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 A section 2 : It also state a consumer reporting agency can not finish account without written instructions.

15 U.S.C. 1681c. ( a ) ( 5 ) Section states : no consumer reparation 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 peron shall not furnish any information relating to a consumer to any consumer reporting agency if person has knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

I saw a collection account on my credit report, I never received any form of communication from the company concerned. In XXXX I tried to use a 3rd party to get an apartment, I gave her all my information she tried applying to several apartment which never approved the application. The apartment that sent my details to the collection agency claims that they were under new management and knew nothing about it. The collection agency claim that my account got to them because my application fee came back as insufficient funds. I try to work things out but the people were rude. I was never informed of the insufficient funds and never lived in this apartment. 
The amount is {$330.00} I do not have such amount of money to pay, I have tried disputing with the credit union that the account was reported to after the collection agency after trying to talk to the collection agency. I have contacted the apartment who claimed the were under new management and couldnt help me.
Product: Credit reporting or other personal consumer reports

Hello, This is in reference to an XXXX XXXX in year XX/XX/2017 with XXXX XXXX XXXX. 
The lease/loan was paid off in full and later updated on my credit history report that we missed a payment in XX/XX/2017. There were no missed payments during the life of the loan/lease. The late payment history showed up after the agreement expired and was paid in full. We tried contacting them 2 times by phone in XXXX, requesting the account holder furnish the data in order for us to verify and work to get the correct information to reflect on my credit report. XXXX XXXX XXXX never sent me any data showing the missed payment. When I called the following month, the person we spoke was unable to find/locate any data showing there was in fact a missed payment. I believe this information to be inaccurate and is negatively affecting my positive payment history. We are asking the account holder ( XXXX XXXX XXXX ) to remove and update the payment history to all 100 % paid on time. There is no reason to show a missed payment in XX/XX/2017. 
Warmest Regards, XXXX XXXX XXXX
Product: Debt collection

I have a a unverified account from XXXX XXXX. I had previously disputed this account. I have never done business with XXXX. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that XXXX XXXX Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that XXXX XXXX Cease and Desist all further communications and collection actives and provide the verification of the purported debt.The account Number
Product: Debt collection

I, XXXX XXXX XXXX, or XXXX XXXX, being one and the same person, am being sued by XXXX XXXX, XXXX, through a law firm XXXX XXXX XXXX XXXX, XXXX, XXXX. XXXX XXXX, XXXX, MS XXXX for a debt ending in account number XXXX. According to my records, I dont even have an account ending in XXXX. They are claiming that I owe {$980.00}, plus court costs of {$74.00}, which comes to {$1000.00}, plus post judgment interest at 8 %. The original debt they claim started with Synchrony Bank back in 2016. They havent provided a current statement to show exactly what bill this is ( supposedly an old XXXX account ). I dont, like I stated above, have any record or records of an account ending in XXXX. I believe this is a frivolous and possibly fraudulent claim to collect on either an old junk debt that the statute of limitations has expired on, or a debt that I dont owe. I feel like XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX, XXXX, MS XXXX, is/are using intimidation tactics to collect on a debt that I dont owe. They ( XXXX XXXX XXXX XXXX only attached a Plaintiffs Affidavit of Indebtedness and Ownership of Account to the Summons and Declaration. There is no bill for me to look at to see exactly what the amount is they are suing me for, and like I have stated earlier, I have no record of an account ending in XXXX. I would like for someone to please look into this for me, because I refuse to pay a debt that I do not owe, and Im certainly not going to being intimidated into paying it, either.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, transunion, XXXX, has reported a fraudulent account on my credit report
Product: Credit reporting

I have XXXX inquiries for a single loan. XXXX from XXXX and XXXX for XXXX. I did not authorize multiple credit report to be issued for the purchase of my car.
Product: Credit reporting or other personal consumer reports

I am writing to inform you about a very alarming and important issue regarding the compromise of my social security number, which has resulted in me being a victim of a data breach and identity theft. To address this situation promptly, I have already contacted the Federal Trade Commission and filed an FTC Report with the reference number : XXXX, which is enclosed with this correspondence. 
In accordance with 15 USC 1681c-2 c ( a ), it is imperative that you, as a credit reporting agency, take immediate action to block and remove all information associated with this identity theft from my credit report. This statute mandates that credit reporting agencies must promptly address such requests within four business days of receiving a complaint that includes the following information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I want to emphasize the gravity of this matter and my expectation for a prompt and effective response. Failure to respond satisfactorily will compel me to pursue legal action against your agency, as allowed under the law. Please be advised that I will seek damages, including but not limited to, statutory costs, with each violation incurring a statutory cost of {$1000.00}, as specified in 15 U.S.C 1692k. 

1. Defamation of Character 2. Negligent Enhancement of Identity Fraud 3. Violation of the Fair Credit Reporting Act 4. Violation under 15 U.S. Code 1681o - Civil liability for negligent non compliance 5. Violation under 15 US Code 1681n ( b ) - Civil liability for willful non-compliance 6. Failing to comply with 15 USC 1692 ( g ) 7. Violation under 15 U.S. Code 1681b Permissible purposes of consumer reports 8. Under 15 U.S.C. 1681i ( 7 ) Method of verification 9. Violations under 15 USC 1681 a ( 4 ) right to privacy 10. Violations under 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports
Product: Mortgage

In XXXX XXXX my mortgage was permanently modified with Servicing Company XXXX XXXX. My mortgage payment has been {$900.00} since XX/XX/XXXX. I have been on time with all payments since that time. The loan was sold to XXXX and then NATIONSTAR in XXXX XXXX. My payments jumped to {$1000.00}. When I inquired they told me because of my escrow for insurance and taxes. I made immediate inquiry with XXXX County Tax Assessors office. They admitted to overcharging me by rating my house as a XXXX residence NOT my primary residence. I'v e never had a XXXX residence. They issued a refund check for XX/XX/XXXX to XXXX ( the wrong servicing company ) which I am trying to get corrected. Then I called my insurance company, they doubled my premium to {$1400.00}. so I canceled my policy and got a new XXXX for {$810.00}. Nationstar paid the {$810.00}, and I reimbursed them immediately so I could get my payment down. I acted quickly and got both my taxes and insurance corrected, that was 60 days ago, yet the taxes linger as an unresolved issue, nobody seems to know where the tax refund check went. The amount of that check was for {$330.00} and change. WHAT I 'M UPSET ABOUT IS THE AMOUNT OF MONEY NATIONSATAR IS ASKING FROM ME OVER AND ABOVE FROM THE EXPECTED ESCROW EXPENSES : {$550.00}! I DID THE MATH AND THIS EXCEEDS THE 12 % ALLOWED UNDER section 10 of RESPA. I do n't believe I 'm being treated fairly and want to pay my own taxes and insurance thereby foregoing the need to send NATIONSTAR {$550.00} to sit in my account year after year. I want to change the terms of the ESCROW. And to be honest, I have budgeted {$900.00} a month not {$1000.00} @ month, and my daughter is getting married in 3 weeks and money is flying out of bank account for the wedding, and Nationstar is dragging their feet and still does n't have an adjusted mortgage payment for me. So far I qualify for " Pay for Success Program '' under HAMP principle reduction credits. Can anyone there please help me strip off my ESCROW, I can do a better job paying my own insurance and taxes! The Escrow statements are a nightmare!!!! Sincerely, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, AZ XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts were previously removed from my credit report as apart of fraud and was refurninshed still with incomplete information XXXX XXXX XXXX Account Number XXXX XXXX This account was refurninished and the changed the account number and added a XXXX to do so after the investigation was already complete also this account still doesnt have a high balance hownis this complete and true and why would you refurnish a fraudulent account XXXX XXXX XXXX Account Number XXXX XXXX This account was a fraudulent account and was also removed how dare you add this account back when it says that it was charged off yet it has an avail balance that means you guys never insured that the reporting was correct before you reinserted it to my account I demand that this is removed immediately.
Product: Vehicle loan or lease

The date of XXXX XXXX at approximately XXXX I decided to go to XXXX XXXX XXXX to finance a Vehicle XXXX XXXX XXXX XXXX During this Process I worked with manageXXXX XXXX he proceeded to walk me through the entire process and explain to me the requirements for financing the vehicle. He asked if I would be putting anything down on the vehicle. I explained to XXXX, I wouldn't be putting anything down since they were under Truth In Lending Act pursuant to 15 U.S. Code 1605 : ( a ) Finance charge defined Except as otherwise provided in this section, the amount of the finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges, payable directly or indirectly by the person to whom the credit is extended, and imposed directly or indirectly by the creditor as an incident to the extension of credit. The finance charge does not include charges of a type payable in a comparable cash transaction. The finance charge shall not include fees and amounts imposed by third party closing agents ( including settlement agents, attorneys, and escrow and title companies ) if the creditor does not require the imposition of the charges or the services provided and does not retain the charges. Examples of charges which are included in the finance charge include any of the following types of charges which are applicable : ( 1 ) Interest, time price differential, and any amount payable under a point, discount, or other system or additional charges. 
( 2 ) Service or carrying charge. 
( 3 ) Loan fee, finders fee, or similar charge.

( 4 ) Fee for an investigation or credit report.

( 5 ) Premium or other charge for any guarantee or insurance protecting the creditor against the obligors default or other credit loss.

( 6 ) Borrower-paid mortgage broker fees, including fees paid directly to the broker or the lender ( for delivery to the broker ) whether such fees are paid in cash or financed. 

XXXX then begin to tell me that a down payment was required, even though I'd just explained to him the laws and also explained to him it was false and misleading information. Pursuant 15 U.S. Code 1611- Criminal liability for willful and knowing violation Whoever willfully and knowingly ( 1 ) gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder. 

XXXX explained that I'd been denied by Capitol One Auto Finance. I then explained to XXXX once again that this was false and misleading and pursuant 15 usc 1681 thats adverse action because they can not deny me an extension of my own credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am not convinced that you have suitably fulfilled the policies of the Fair Credit Reporting Act in doing your evaluation. I have to pursue my efforts to resolve this matter which required intentness to my personal credit report. I am frustrated because the inaccurate item is still reported on my personal credit report which is not clearly stated as the accuracy and verification of the information. Although I have contacted the furnisher and they approved of REPAIRING and UPDATING the account, you there at Equifax still chose to continue reporting this damaging information. I keep my own accounting records for payments, and the one you have does not line up with what I have. Please fix the account : XXXX XXXX XXXX XXXX
Product: Debt collection

I took my daughter to the emergency room and gave them proof of insurance. the insurance company entered her birth date wrong and sent me a bill instead of covering the cost from the hospital. The insurance company kept telling me she was not in their system. The hospital sent me to collections. 
Since than I found out about her birth date being wrong and I just received a letter saying she was covered for that whole year and they corrected her birth date. I called the collection agency and explained all this and asked if I send them the letter would they remove this collection from my credit report and they said no.
Product: Mortgage

Re modification states according to terms provide for interest rateand principal and interest payment adjustments. Was paying XXXX monthly 2 % interest. Now new interest 9.2 % new payment with principal and interest XXXX. New monthly payment including principal, interest and taxes XXXX.