23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Once again I am reaching out to resolve the same issue. 
You are over escrowing me on the real estate tax portion of my mortgage. 

Once again I ask you to reanalyze my real estate tax portion. My YEARLY real estate taxes are XXXX FOR THE ENTIRE YEAR. 

You are escrowing this amount for ONLY XXXX  months. 

Please redo the REAL ESTATE TAX PORTION
Product: Student loan

I borrowed from XXXX XXXX, then I consolidated. My loan servicer turned into Navient. Navient will not allow me to make payments to principal without clearing accrued interest. I wrote a letter about two years ago asking for payments to be applied to principal first, then interest. No payments are due from me at this time as I have been making payments as aggressively as possible. On the phone today, I was told it is company policy, that they are not allowed to apply payments to principal before interest. I was told no matter what I do, Navient will always apply payments to interest first, NOT principal. I informed Navient of my opinion that this is wrong, especially since I never agreed to Navient servicing my loan or any hierarchy in applying payments as far as I know. I asked how to get my loan to another loan processor who will respect my preference for principal to be paid before interest, and was told to hold for a supervisor. The supervisor told me that Navient follows a " federal guideline '' from the Department of XXXX that says to apply payments to interest first. I can not find this guideline anywhere online despite the fact that I asked the Navient supervisor to direct me to it ; he could not. Supervisor told me the only way to move loan would be to consolidate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my report and found this information on my report. please delete the credit bureau are horrible to me this is not mines XXXX  Date : XX/XX/XXXX, Account # : XXXX, Amount : XX/XX/XXXX, Payment : Current, Issue : Identity Theft XXXX XXXX  XXXX Date : XX/XX/XXXX, Account # : {$200.00}, Amount : --, Payment : XXXX XXXX Issue : Identity Theft XXXX, Date : XX/XX/XXXX, Account # : XXXX ( XXXX XXXX, Amount : --, Payment : --, Issue : XX/XX/XXXX XXXX Date : XX/XX/XXXX, Account # : XXXX XXXX Amount : --, Date : XX/XX/XXXX, Issue : Identity Theft XXXX, Date : XX/XX/XXXX, Account # : Collection/Chargeoff, Amount : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

AMERICAN EXPRESS XX/XX/XXXX AND XXXX XXXX XXXX and XXXX XXXX XXXX XXXX these accounts not opened by me. I only have 2 cards with XXXX XXXX and 1 credit card with XXXX XXXX. Ive sent many letters to all 3 credit bureaus and also to American Express and XXXXXXXX XXXX XXXX with no resolution. I am still wait to hear back from XXXX XXXX cause ive never had services with them also.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a on time payment to XXXX for the month of XXXX on XX/XX/21 and for some reason they are reporting the payment as late and I have to resubmit the payment. As a result they reported that I paid them late and this dropped my credit score 51 points. I would like this rectified and for them to remove this late payment/notice from my credit.
Product: Credit card or prepaid card

On XXXX i filed a complaint with Banana Republics CC regarding being charged for a few orders that were not delivered and state and state on their website that the orders were not delivered and retuned back to sender. This has been going on for months and to date they have credited one of the orders, but still owe me a credit for {$98.00}. 

The order shipped via XXXX on clearly state on the website that it was returned to the Sender.
Product: Credit reporting, credit repair services, or other personal consumer reports

Disputed account XXXX XXXX - XXXX not mine disputed multiple times XX/XX/XXXX and XX/XX/XXXX sent copy of police report and identify theft report # XXXX this is a collection agency I never gave hippa authority and this is not mine. Would like for XXXX  trans union and XXXX  to remove this promptly. Also XXXX XXXX  is reporting inaccurate info this account is closed and never late Still reporting as open
Product: Debt collection

I have been receiving phone calls from several different numbers from Sterling Jewelers Incorporated. They are calling repeatedly at least every hour, to half hour during the day. It has become annoying and inconvenient. They call when I am at work, or when I am still in bed after working second shift the day before.
Product: Credit reporting or other personal consumer reports

I have detected inaccuracies on my credit report concerning 15 USC 1681b ( c ) ( 2 ). Unauthorized inquiries are listed, impacting my credit negatively. Kindly remove all unauthorized hard inquiries. Thank you.
Product: Vehicle loan or lease

In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under the 15 USC 1681 section 602 states that I have the right to privacy. 15 USC 1681 section 604a section 2 it also states that a consumer reporting agency can not furnish an account without my written instructions under 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 any purpose.

Remove from credit report
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 
Under 15 U.S. Code 1681e ( b ) Accuracy of report whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
15 U.S. Code 1681i 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any re-investigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the re-investigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer
Product: Credit reporting or other personal consumer reports

Bounce Ai Inc is listed on my credit report as a collection agency that is trying to collect an alleged debt on behalf of XXXX XXXX. I contacted the original creditor, and they could not validate this debt that is reporting on my credit report. Furthermore, there was no correspondence sent to me informing me that I owed a debt and that it was being sold to a 3rd party company, so this information reporting is not credible and goes against permissible purposes. I also researched Bounce Ai because I have never signed an agreement with this company, and they did not come up in the database on the Texas Comptroller. This company does not have a license to collect debt in the state of Texas. I am demanding that this account is removed due to it being unverified by the original creditor. You are also furnishing different dates for the date last active which is a FCRA and FDCPA violation. I have attached an invoice for the violation upon your company. Payment is to be remitted to the address on the invoice. Both payment and deletion are requested within 30 days, or I will have no choice but to seek legal action against your company.
Product: Checking or savings account

Today XX/XX/2024 I revieved a call from a wells Fargo phone number ( caller ID stated wells fargo ) the " wells Fargo employee td me a business account was opened yesterday in my name and was deemed suspicious.and All accounts in my name associated with my phone # have been frozen. I do not bank with wells Fargo and knew where this call was headed so I let him continue. I asked him which branch he was calling from and after a 20 second pause, he stated " XXXX XXXX XXXX  '' He continued to explain that there could be an investigation that could lead to criminal charges if not handled promptly. I told him that would be great and I hoped there will be criminal charges.then he hung up. I checked the # that he called from which was the wells Fargo on XXXX and XXXX in XXXX California.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX
Product: Credit card

Reference # XXXX I submitted an XXXX XXXX American Express XXXX on XX/XX/2024. Automatically after doing the app I got an approval screen that quickly turned into a screen that said to contact American Express to provide more information. I submitted the XXXX as requested. I missed a call from XXXX XXXX from the executive department ( ext XXXX ). This was supposed to be expedited but I am still waiting for this pending status to go back to the approval.
Product: Credit reporting or other personal consumer reports

I have not done buisness with these companies or authorized for my credit to be run for any of these inquiries. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. XXXX  XXXX {$220.00} XXXX  XXXX XXXX XXXX {$100.00} US DEPT EDXXXX {$3300.00}
Product: Debt collection

XXXX XXXX has been calling non stop at all hours and even hanging up when asking who they are and to stop calling. This is not my debt. This belongs to my daughter who does not live with me. I am an elderly XXXX veteran and have XXXX and these constant phone calls are causing additional emotional stress to have them keep calling all day and I cant just ignore the phone and I cant lay down cause everytime i do they call and hang up. Please help as I am also contacting a lawyer as well to help.
Product: Consumer Loan

I was leasing a car, and it was paid it off within 2 weeks.But its still show open on my credit report.
Product: Credit reporting or other personal consumer reports

I wish to dispute information that appears on my credit report for Account number XXXX. This account has been reported as 120 days delinquent as a result of late monthly lease payments. Upon thorough investigation on my part, this is not true. I have documented evidence in the form of bank account transactions that prove that I was not 120 days delinquent on monthly lease payments. I would like to add those documents to this complaint, however, the file is much too large to include online and would have to be mailed. The fees that are being reported are for overage charges that occurred after the lease period ended. The company did not notify me that there would be a negative credit report due to overage fees. In addition, the company continued to allow me two additional leases for 7 years and marked the account as closed. 

Due to current negative credit reporting, regardless of the closure of the account, not notifying me of the adverse credit reporting, and the payment of fees, the actions of the company has resulted in a negative effect for any future loans that I may be seeking to secure with any other company.
Product: Debt collection

I called the company to pay and they said they no longer had my debt but sold it without proper notifications. The new debt collectors added on many chargers with proper notification.
Product: Credit reporting, credit repair services, or other personal consumer reports

Wells Fargo has not updated my account balance since my XXXX 2021.My {$16000.00}
Product: Debt collection

A representative from RNN Group contacted my employer asking for my work status and to verify the last four of my social security. I told them to cease all communication immediately and they called again.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit Reporting act The following 3 accounts has violated my rights : XXXX one Cards ending in XXXX and XXXX. 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 purpose. 15 US Code 1681a ( d ) ( 1 ) ( 2 ) ( a ) ( i ) states that a creditor may not furnish a report of a consumers transaction history. The Privacy Act of 1974 states that Financial institutions shall keep private customer transactions history.
Product: Debt collection

On XX/XX/year> tracking shows the company received my debt validation letter & I requested they provide the documents via email. I received an email on XX/XX/year> stating the documents were attached but there was no link provided. I replied informing the company that the link provided was inactive and I have not received any responses regarding the matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

FACTUAL The FACUTAL had reported UNAUTHORIZED Hard inquires in my credit report. This item have been impacting my credit and unabling me to obtain needed credit, further impacting my family members lives. The UNAUTHORIZED FACTUAL inquiry must immediately be removed from my credit report of all credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed these items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The disputed items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}
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 Account Number : XXXX
Product: Mortgage

I applied to refinance the mortgage on my primary residence with Wall Street Mortgage Bankers Ltd in XXXX, 2019. The loan would be a 30-year term with a fixed rate of 3.0 % for {>= $1,000,000}. From the time I started the process with this firm, I have consistently responded to every request for information they sent ( employment verification, tax returns, bank statements, loan application, etc. ) typically within just a few hours of when the request was made. The broker who initiated the loan process left the company during the application process. When that happened, they did not inform me about his departure and the loan underwriting process completely stopped. Only after I emailed and called the company numerous times did they assign a new person to manage my application. I resumed the process and roughly 3 weeks ago they told me that my loan is at the final stage of underwriting and I should be approved and given a closing date within a few days. Since that time, I have emailed them numerous times and they simply don't respond to any of my inquiries about the status of the loan. I don't know the reason why, but it seems to me that they no longer have the ability or desire to complete this loan. I don't know if they are a legitimate lender or if they are simply in the business of collecting loan application fees, charging for appraisals, etc.
Product: Credit reporting

I 've sent equifax proof that they are reporting a judgment and a bankruptcy incorrectly with information that does not even exist and they continue to keep it on my credit report. They continue to send me a letter saying something about public records stay on for .... I do n't care how long they stay on for. Unless they have the physical petition that shows the same exact information that they are reporting, then they are wrong and it needs to be deleted. they have dates that do n't even exist! Please see my report as well as my letters and proof in the attachments.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against CashApp ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, CashApp failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Economic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Vehicle loan or lease

I signed what I thought was a financed car loan papers in 2021 with American Car Center. They have closed down all centers with no notification to anyone. Then I find out it was a lease. Our titles are being stopped, our warranties are voided, the contract period has been breached by them. I have lost time, money, work, soon my vehicle and no one to help or answer. And this is just a long story short.
Product: Credit reporting or other personal consumer reports

Hi I have accounts in the Chex systems that are not mine and I never did business with this companies I have had someone take my information a while ago and now Im just now seeing this problem on my report.

Please have this company immediately remove me from their systems and banks system I am been hindered and I need some assistance.

I heard from a source under 15USC the chex systems has to be validated 100 % and its not Consumer XXXX I included a copy of my FTC report : Please stop furnishing this information
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX using Experian, I disputed to remove mailing addresses I never lived, old addresses and inaccurate credit info. I called on XX/XX/XXXX after receiving a letter that after investigating the information was verified accurate, I asked for a copy of the verification but never received one. The customer service rep said they are unable to remove any mailing address because it may connected to an account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid a collection account IN FULL with RESURGENT ( For XXXX ) on XX/XX/XXXX. ( I have documentation ) On my credit reports in early XXXX, it was reported by XXXX as a COLLECTION with a XXXX balance. 

Just recently ( this week ) my credit was pulled as I am looking to buy a house and qualify for grant funds. 

I was advised that XXXX has updated my credit report with all three bureaus to reflect " CHARGEOFF '' - which is incorrect. 

My scores are suffering due to this and I am unable to qualify for grant funds or a conventional mortgage. 

XXXX does not have a working telephone number to get this resolved. There's a recording when you call their number ( XXXX ) XXXX to write to an address in XXXX. XXXX, MN. 

I am unsure if this will get resolved. I absolutely need this corrected ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX place has re aged an account they are reporting on my credit... .i have tried to challenge the XXXX XXXX accurate reporting between bureaus as required by law and each time they send a letter saying its validated ... ..i have attached proof of the re aging of this account... .there is no way that the bureaus have properly investigated this matter
Product: Credit card or prepaid card

I originally had my purse stolen in XX/XX/XXXX ( I have the police report - Please advise if I need to provide a copy of ). My ATM as well as my Credit Card with US Bank was stolen. I called and asked to have my secured card cancelled. I paid the account in full shortly after this and did not use the card again. I asked them not to send me a new card. There was no balance and they were not sending me another card. I did not think about the account again In XX/XX/XXXX, I discovered that I'd been reported as past due for the secured card as well as there were late fees that had been added to a XXXX balance account. When I called to speak with the Collections Department, they waived all of the late fees and informed me that there was a small balance that was left on the account from XX/XX/XXXX that I had not paid. Being that I had not been notified of this additional balance, nor was I being notified that there were late fees accruing on the account, US Bank agreed to waive all of the fees and allowed me to pay the remaining balance in full. 

I was assured that an update would be submitted for the incorrect negative reporting of my account, the balance would be updated to zero. They confirmed for me that the account was now closed and could not be reopened. I was also advised that I would receive my security deposit back within XXXX weeks. 

Now I reached out them in XX/XX/XXXX. The original representative advised that my Security Deposit had been transferred over to another account that I have with them. Then after further review the came back to advise that he did not see another account for me. After being placed on hold for over XXXX minutes, I was transferred over to a XXXX XXXX who advises that my account is not closed that it is permanently restricted. She is not advising me that I now need to write in to ask them to refund my funds and to wait XXXX weeks for my money back. 

I feel as though US Bank has lied to me regarding my funds. I have done what has been asked of me. They closed my account in error, reported me as past due in error and they are refusing to refund my security deposit.