23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

On XX/XX/2023, XXXX XXXX XXXX, VA provided me my " 2023 Tax Relief Approval Letter '' which granted me the following relief for " 100 % of Real Estate Taxes and 100 % of the Solid Waste Fee. '' On XX/XX/2023, I submitted my 2023 Tax Relief Approval letter via email ( XXXX ) to PHH as instructed by the PHH telephone customer service representative. 

On XX/XX/2023, PHH recorded a Tax Refund of {$2600.00} based upon XXXX XXXX XXXX, VA 's 2023 Tax Relief Approval letter. However, they have continued to keep this amount. 

According to " XXXX, '' the PHH representative, after I submitted a copy of the 2023 Tax Relief Approval Letter, PHH states their " Tax Department '' updated their records believing the " taxes were only partially exempted, '' but did not deny my Tax/Escrow relief. PHH states my tax could not be processed without a new " estimated '' or " final tax bill. '' However, the said my request was not denied. 

It should be noted, PHH never communicated with me after I submitted my XX/XX/2023 letter. Additionally, they never communicated a need for a new " estimated '' or " final tax bill '' to either XXXX XXXX XXXX, VA or to me. This seems to be a major lapse in PHH 's operating procedure. 

As it stands, PHH states I will not receive my {$2600.00} tax refund until a escrow analysis has been performed. This should have been done at the first instance. Additionally, PHH should have communicated the need for more information. 

As a result, PHH has been sitting on my tax refund and has continued to collect my full escrow amount depriving me of money that would be due in an interest bearing account as well as affecting my ability to reduce my interest payments. I request my refunds be applied to my principal as soon as possible. Thank you.
Product: Credit reporting or other personal consumer reports

I would like to dispute the following items off my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TransUnion Subject : Request for Investigation and Correction of Credit Report Information. 

Dear Sir/Madam, I am writing to formally dispute the accuracy of specific information in my credit report, as provided under 15 U.S. Code 1681i - Procedure in case of disputed accuracy, and 15 U.S. Code 1681e ( b ) - Compliance procedures to assure maximum possible accuracy of the information. After reviewing my credit report, I noticed several discrepancies that I believe are inaccurate, incomplete, or unverifiable. The accounts in question are listed below for your reference : XXXX - XXXX In accordance with the rights granted to me under the Fair Credit Reporting Act ( FCRA ), I kindly request that you investigate the accuracy and completeness of all information associated with these accounts. If, after your investigation, the information is found to be inaccurate or unverifiable, I ask that it be promptly removed from my credit report. In addition, I would like to remind you of your responsibility to complete this reinvestigation within 30 days. Should you be unable to verify the accuracy of the information within this timeframe, I expect the immediate removal of these items, as required by law. Moreover, I request that you review the procedures used to report this information in the first place to ensure compliance with the standard of maximum accuracy required under 15 U.S. Code 1681e ( b ). 

XXXX XXXX XXXX
Product: Vehicle loan or lease

On XX/XX/XXXX, I took delivery of a Tesla XXXX XXXX I am leasing from Tesla. I had to pick up the vehicle in XXXX, NJ ( I reside in Maine ). I was issued a NJ temporary plate that was good for 30 days. I was told Tesla would be mailing me my permenant plates. Note, however, that this is what I was told in XXXX, NJ. I different Tesla rep I interacted with over text prior to delivery said they would mail me a packet within 30 days with everything I needed to go and register the vehicle myself. 
Either way, I never received a packet nor permanent plates. About a week prior to my temp. plate 's expiration, I reached out to Tesla. They primarily use a text message service to contact their support staff ( calling takes over an hour on hold ). They told me they were looking into it and to check back for a status update next week. I did that and they again said they were looking into it. The day the plate expired ( XXXX ) I again texted and received the same response. I called their customer support number ( had to XXXX it as there is not one on their website ). After waiting an hour, I spoke with someone who seemed friendly and empathetic. She said she would be calling the XXXX, NJ location. She also tried calling the XXXX XXXX location as I had to been told by someone previously that they handle Maine registrations. She promised to get back to me the next morning. The next morning, she texted me to say she's still working on it. Since that time, I've contacted the Maine XXXX XXXX XXXX XXXX who confirmed that they have not received anything from Tesla regarding my vehicle. They explained the process and even offered to assist Tesla directly if they have any questions. I relayed this to Tesla this morning ( via text ) and insisted that Tesla apprise me, in detail, of the status and their plan, as well as to issue me another temporary plate while they sort things out. It has been about XXXX hours and they haven't responded thus far. Note that I paid sales/use taxes and registration fees to Tesla up front ( as well as the cost of the vehicle ) and I currently have a vehicle that I can not legally drive. 
Particulars re : my vehicle : VIN # XXXX Order # XXXX XXXX XXXX XXXX
Product: Mortgage

On XX/XX/2023 I had a double-closing; selling a house and purchasing another house. On XX/XX/2023 I was informed by the closing attorney that the closing wire payment to Chase Bank was hacked and redirected to another Chase Account. I immediately called Chase Bank and after several transfers was given a case number. On XX/XX/XXXX, I called Chase Bank, spent over XXXX minutes getting bounced from Chase rep to Chase rep. Finally, I reached the Escalations Department and learned that my original claim was never investigated, I was given an escalation case number. I also was promised a response in XXXX business days. ( I did not receive a phone call in that timeframe. ) I called on XX/XX/2023, and learned no progress was made on the investigation and was advised that if I did NOT make a mortgage payment on the house I sold, that I would be reported for " XXXX late payment '' ( negatively impacting my credit ). My primary issue is lack of attention, action and resolution on my closing transaction to Chase Bank, even when the funds were wired to the correct bank, but to the incorrect account as a result of a hack that seems to be more common than one would XXXX.
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 very distressed that you have STILL included the below information in my credit profile which is creating damaging effects on my good credit standing. No doubt the inclusion of this inaccurate information is a mistake on your part. The other credit reporting agencies found inaccuracies with the information listed and updated it without incident. You, however, seem to claim you've verified the accuracy of the information. I also reached out to the bank and they agreed to update and repair the account in my file. I'm very confused. Can you please let me know how you verified this information? What methods you used, who you talked with at the company, and what day and time you talked to this person? All this information is needed for a case I'm building against all parties who are damaging my credit XXXX  XXXX XXXX
Product: Debt collection

I received a letter from secretary of state regarding notice/order of suspension. I attempted to call the collection agency for XXXX XXXX XXXX. However, I requested a print out of all tickets ( debts ). I was informed they could n't provide this information to me. Also, the collection stated '' that my driver license had been suspended and full payment was need :. At this time, I asked for her name and informed her that my license was not suspensed and I never received any information regarding the debt owed. XXXX, stated that she found that hard to believe. I asked to speak with her manager. I spoke with her manager regarding the incorrect information I received and the way I was treated. I questions why did tiffany give me false information and why I never received copies of this debt. XXXX, the manger stated that they reached out and sent me XXXX letters which she is stating its being returned back to them. I find that hard to believe when I receive all other mail. Please help me because I do n't have {$2800.00} and is willing to make payment arrangements as long as they can provide proof.
Product: Debt collection

In XX/XX/XXXX, I received ( on Cooling & Winter letterhead ) a  dismissal of my civil action. After hearing nothing for a year, I receive today, XX/XX/XXXX, a notice of garnishment for {$910.00}. When I called, I was told that I still owed on this account even though I 1 ) received the dismissal a year ago and 2 ) hadn't been contacted in a year that yes, I did owe something. 
XXXX XXXX indicated they didn't have to let me know I owed anything. So, now during a pandemic, it was decided that this debt is due and not to send any notification of debt due, just go straight to garnishment. The attorney who filed suit is unreachable for the foreseeable future according to his voicemail. 
I'd like the garnishment to be paused while I 1 ) receive a complete accounting of my account and 2 ) if I do owe anything, a payment arrangement.
Product: Checking or savings account

In XX/XX/2017 I had around {$100000.00} in my BBVA Compass bank account, I found out my step dad stole my money and was commiting identity theft in my name, I reported it to LACSD after I found $ XXXX in lines of credit and credit cards in my name, this money was my inheritance and it was stolen from me, along with my identity. 


I have filed affidavits and done all the proper steps under federal law for BBVA to handle this accordingly but has failed to do so, my attorney has filed a complaint with the Attorney Generals office of California - XXXX XXXX against BBVA Compass Bank for Banking negligence resulting in the loss of funds of claimant - XXXX XXXX. 

In the last CFPB response from BBVA Compass Bank all that was stated after a TWO WEEK investigation was dispute it ... I am asking BBVA once more to investigate and return my funds that are due to me under federal law.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi sent certified letters with in the last three months to all three credit bureaus and have not received a response.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a joint account please correct both consumers credit reports in which both are inaccurately reporting. I and joint applicant have been having a ongoing issue with the inaccurate reporting of XXXX XXXX on our credit report. To be specific Transunion and XXXX records an inaccurate derogatory account rating on a {$0.00} balance owed account and does not coincide with XXXX account rating recorded as Paid. XXXX have been also notified numerous of times to correct its recording of an Open Account, XXXX is the only credit bureau that actively reports this account monthly as Open in the payment history. It is my understanding that the creditor reports the same information to all credit bureaus as expected under FCRA. 

Please Help! 

XXXX, Transunion, and XXXX have been notified of these errors that have yet to be corrected. I have enclosed documentation and my authorization to investigate this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a 30 day late payment.The payment was setup to auto payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act this creditor has violated my rights under 16 USC1681section 6 o 2 states i have the right to privacy 15 USC 1681section 604 a section 2it also states that 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 an open-end consumer credit plan as late for any purpose. XXXX account XXXX XXXX, XXXX XXXX Bankruptcy Account # XXXX, XXXX Account # XXXX, XXXX XXXX Acct XXXX XXXX, XXXX XXXX Account # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Please update all of my personal information XXXX EQUIFAX XXXX XXXX XXXX XXXX. I would like all the names, phone numbers, and addresses along with removing any employer. My only name is XXXX XXXX. My only phone number is XXXX. My only address is XXXX XXXX XXXX, XXXX, TX XXXX. My only employer is XXXX and I am XXXX  employed. There may be individuals who have the same information as mine. Creditors may have entered my name, address, and/ or employer incorrectly when requesting my credit report. Regardless there are names and addresses that should not appear on my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim Of identity theft mainly because of the XXXX  data breach. My information had been compromised and use to open fraudulent accounts Mainly with XXXX XXXX. And then they went to collections selling my information to XXXX XXXX XXXX  THE ACCOUNTS ARE LISTED BELOW XXXX XXXX XXXX XXXX XXXX XXXX beginning with XXXX XXXX XXXX XXXXending with XXXX And all the collections accounts with XXXX XXXX XXXX be removed immediately
Product: Credit reporting or other personal consumer reports

This is not an error. I am sending my formal notice that this information is a result of identity theft. All this information has been reported to the XXXX  and is currently under investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX {$330.00} XXXX  XXXX XXXX {$220.00} XXXX XXXX {$130.00} 15 U.S.C, 1681section 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 an 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, 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 confidentially under 15 USC 1681 XXXX 
account number ending in XXXXXXXX XXXX XXXX balance {$990.00} has violated my rights. 
account number ending in XXXX XXXX XXXXXXXX balance {$920.00} has violated my rights. 
account number ending in XXXXXXXX XXXX  balance {$0.00} has violated my rights. 
account number ending in XXXXXXXX XXXXXXXX balance {$0.00} has violated my rights. 
account number ending in XXXX XXXX XXXX balance {$2000.00} has violated my rights. 
account number ending in XXXX XXXX XXXX XXXX XXXX Balance {$36000.00} has violated my rights. 
account number ending in XXXX XXXX XXXX XXXX balance {$600.00} has violated my rights. 
account number ending in XXXXXXXX XXXX balance {$1000.00} has violated my rights. 
account number ending in XXXX XXXX balance {$250.00} has violated my rights. 
account number ending in XXXX XXXX {$450.00} has violated my rights. 
account number ending in XXXX XXXX {$460.00} has violated my rights. 
15 U.S.C. 1681 Section 602A I have the right to privacy.

15 U.S.C, 1681 Section 604A Section 2 : It also states a consumer reporting agency can not furnish an 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, 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: Money transfers

On XX/XX/2016 I received a call from XXXX XXXX XXXX. I spoke to XXXX XXXX. He reported he had an investor whom wanted to purchase my timeshare. I received a welcome letter. He requested a high resolution drivers license picture ID and to sign the letter of intent. He then returned a call and stated the sale would go to the senior escrow manager XXXX XXXX. Both XXXX XXXX XXXX and XXXX XXXX with XXXX XXXX XXXX in XXXX Colorado were very convincing. XXXX XXXX stated I would need to pay closing fees. This fee would be {$5100.00}. He then explained the buyer would reimbursed the fee. He was very convincing. The wire transfer via an intermediary bank.. This bank was XXXX XXXX XXXX. Next the escrow representative stated XXXX would need to pay XXXX % tax as I allowed family and friends to use this timeshare. even when stating I never received any compensation, XXXX XXXX indicated I would need to be registered as a international investor. This would allow me to sell the property. This time the cost to register as a foreign investor would be {$6800.00}. Once this was paid the scam continued. When I questioned him he indicated the buyer would get me for breach of contact. When XXXX XXXX stated the Bank in XXXX, ( XXXX XXXX XXXX XXXX XXXX XXXX ) was refusing to release the escrow account. " The following XXXX XXXX XXXX ( XXXX ) Wire Transfer Confirmation XXXX has been retained for delayed deposit, uninsured payments, and security reasons by XXXX with the intent to combat XXXX XXXX Money Laundering. When I became desperate he indicated the last step would be for me to take a policy from XXXX. He indicated this would allow the insurance to help bridge communication between the bank and the seller. cost for this was {$9300.00}. Once I paid this, XXXX XXXX and XXXX XXXX stated the claim would be paid. The issue, this time I needed to pay the deductible. This deductible would be {$15000.00}. When I began questioning the both neither could provide details to this policy.
Product: Checking or savings account

I was scammed by a company sending me mail. That was addressed as final statement, student loan consolidation & payment reduction program. The name of the company was XXXX XXXX. I talked to the man on the phone on XX/XX/2023. He told me after consolidating my loans there was a payment of {$790.00} that I had to pay for that to be final. So on Monday XX/XX/2023 the {$790.00} came out. He told me my monthly payment for my student loans would be {$49.00} a month starting on XX/XX/2023. My aunt knows more about student loan so I went to talk to her about the whole situation because I wasnt quite sure about the whole situation. We found other reports of fraud against this company that people had made online and I instantly locked my bank account on the XXXX of XXXX and went in the bank the next day the XXXX thats when the report of fraud started. I got a letter last week XX/XX/XXXX and Huntington denied my fraud claim and said there wasnt enough for them to know it was fraud. But I had them make copies of the paperwork I brought in which was the first letter I got in the mail and front page of the paper work the company set me by email and wanted me to fill out and mail in to service mailing address : XXXX ( which is a real loan service company but the address that follows is not their actual address that they have listed online ) C/O XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX.
Product: Credit card or prepaid card

XX/XX/22 : attempted cash advance at a TRUIST ATM on a TRUIST charge account. XXXX x declined for {$200.00}. NO MONEY RECIEVED. 
XX/XX/22 : declines still appear on my statement against my balance. Called TRUIST to resolve for the third time. Asked to escalate to a XXXX, rep on the phone refused to transfer to a XXXX, told me it was a " process '' and the charges would eventually come off. These fees go against my daily balance costingvme additional money.
Product: Credit reporting, credit repair services, or other personal consumer reports

I obtained a loan from XXXX XXXX dba XXXX XXXX for my 2016 XXXX XXXX. Due to the fact that I was in transition moving, and changed jobs in Colorado, they allowed me to have 2 extensions one per year. Additionally, they changed my due dates on several occasions so it would not reflect late payments on my credit report. 

I traded my vehicle in in XX/XX/2018, the dealership did not pay my loan off until 2 months later, in XX/XX/XXXX. XXXX XXXX reported me late in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX! Additionally, when my credit report was pulled back in XX/XX/XXXX, they had only 2 payments reported that were late. I disputed that information and the credit bureaus updated it with a total of 13 payments late during the duration of the loan! I requested a payment history, and it is fraudulent. There is no way I was late almost every month that I had the vehicle! I have expired all avenues trying to get this information deleted and it has in turn caused damages.
Product: Debt collection

I am not swayed that XXXX and XXXX has investigated this account properly. Their investigation about this account was totally incorrect. I am not seeing this account to any of the other credit bureaus which were so odd. I believed they have not reached out to the furnisher to validate. Therefore, I have sent out a couple of written complaints to raise this concern but other than the credit report I have, I have never heard any feedback from both XXXX and the creditor. Make sure to explain the outcome of your investigation about this account with I C SYSTEM ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$2000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is showing current on payment with a XXXX  balance. But it also shows a late payment and over the credit limit.