23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

In reference to loan number XXXX through Freedom Mortgage for XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX I accidentally paid my property tax out of pocket when I was sent a bill for it in XX/XX/2018.  This is normally covered by my mortgage company as a part of my escrow account and monthly payment. I informed Freedom Mortgage of the mistake and was told I would be refunded the full amount of {$1500.00} when the escrow was analyzed in XX/XX/XXXX. This is shown on page two of the attached statement, listed under " checks and substitute checks. '' It was check number XXXX, paid in the amount of {$1500.00} on XX/XX/18. 

I called again XX/XX/XXXX after not receiving a check in XX/XX/XXXX and was told there was no record of my original conversation and that I needed to submit a bank statement to prove I paid the amount out of pocket. I did this promptly to their customer service email, as instructed and did not receive a response other than an automated " receipt of email. '' it is attached below. 

I called again 10 days later to inquire as to the receipt of the email and was told I never needed to submit a bank statement and that they would begin an escrow analysis. 

I received a check in the sum of XXXX $ on XX/XX/XXXX. This sum is still deficient {$490.00} from the initial payment I made on my property tax in XX/XX/XXXX. 


I would like to be refunded this amount, as I was promised in XX/XX/XXXX of this year.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm XXXX XXXX, and I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require correction or deletion. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX, XXXX. XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XXXX XX/XX/2021
Product: Credit card or prepaid card

Charge from XXXX XXXX XXXX XX/XX/2021 for traffic ticket - {$900.00} - Fraud, Harassment, and lies with no proof of action taken American Express Serve Debit Card - No fraud investigation and no proof of action taken
Product: Credit reporting or other personal consumer reports

Experian refused to investigate hard credit inquiry submitted XX/XX/year> saying it was a paid for service check by XXXX XXXX company and support the vendor rather than investigate my approval for credit inquiry.
Product: Mortgage

I did a XXXX  forbearance for XXXX XXXX XXXX and XXXX XXXXy payment started in XXXX XXXX and XXXX notarized, and signeverything was good. Business went Downhill. Haven't had many calls been trying to work with. The company gave them {$1100.00} in my escrow I can't call the phone I can't get ahold of anybody, it's ridiculous. My ex-husband has a business address at my home and is refusing to make payments.And it's been a year and XXXX months
Product: Credit reporting or other personal consumer reports

RE : XXXX  Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX  - XXXX - XX/XX/XXXX - {$320.00} XXXX XXXX  - XXXX - XX/XX/XXXX - {$1100.00} Please block this information from my credit report within XXXX business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Product: Checking or savings account

Someone stole my whole wells Fargo account please close Identity theife
Product: Credit card or prepaid card

I recently made a payment on XX/XX/2022 for the past due amount of {$80.00}. I received a notification that the payment was processing and will be applied in two business days. I checked my account on their website and the payment was processed. I checked my email yesterday and was told that my payment was reversed was not told why as to why it was reversed. I dont have extra to pay this if Im trying to get my credit in order so I can purchase a home in the new year. I felt this company is doing something fraudulent or reversing my payments once they are made.
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 Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX and list of Inquiries. 


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'm writing this letter to inform you I have found inaccurate information on my credit report. The following information is fraudulent and I have no relationship to it. Please remove the following information from my credit report immediately XXXX XXXX Av XXXX XXXX, XXXX, NY, XXXX and XXXX XXXX XXXX, XXXX, NY, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

SCHOOLS FIRST FEDERAL CREDIT UNION : Refuse to remove fraudulent account out of my name, after months of trying to work with them. I have sent ; " FTC ID Theft Report '', Police Report, Copy of my ID & SS Card and they still refuse to REMOVE or BLOCK the fraudulent account from my name. I did not open this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was offered a job working for XXXX store in XXXX XXXX, Louisiana which I accepted the job offer. I submitted to a background check that was performed by a background company called " First Advantage '' They reported unfair and false information on my background check saying that I was convicted of an XXXX XXXX XXXX XXXX XXXX ; which was completely false! I have never in my life been convicted of a XXXX XXXX XXXX in my life. Because of this false unfair error that was reported I didnt get the job. I have contested the report ; however, the damage has been done.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX ; XXXX XXXX XXXX ; XXXX, XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXXXXXX XXXX XXXX XXXX XXXXXXXX, CA XXXXXXXX XXXX XXXX XXXX XXXX XXXX, CA XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXXXXXX XXXX : {$0.00} ; XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX {$0.00XXXX XXXX XXXX XXXXXXXX Balance : {$1700.00} XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$3000.00} ; XXXX XXXX Balance : {$100.00} XXXX XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

ON XX/XX/XXXX I MADE A PAYMENT AGREEMENT WITH THE CREDITOR " XXXX XXXX '' ON MY CREDIT REPORT. IT WAS A CHARGE OFF. XXXX XXXX  HAS NOT REPORTED PAYMENT OF THIS CHARGE-OFF 'D ACCOUNT AS " PAID OR PAID CHARGE-OFF ''. I HAVE DISPUTED THIS 2X ALREADY. ASKING TO HAVE THIS ACCOUNT REPORTED ACCURATELY AND SPECIFICALLY AS A " PAID - CHARGE-OFF ''. CURRENTLY MY CREDIT REPORT UNDER THIS ACCT HAS MY " CURRENT ACCOUNT STATUS '' as CHARGE-OFF '' I GET EMAILED THAT THE DISPUTE HAS BEEN RESPONDED TO. THE DISPUTE ASKS FOR " VERIFICATION OFF PAID CHARGE-OFF AS AGREED '' STATUS THE CREDITOR RESPONDS " THERE IS A XXXX BALANCE / ACCT IS CLOSED '' AND IM TOLD THAT THIS DISPUTE HAS BEEN ANSWERED. IT HAS NOT BEEN ANSWERED... THEY DID NOT EVER STATE THAT THE CHARGE OFF IS PAID OFF AS AGREED. EQUIFAX REPS TELL ME THAT THEY HAVE RESPONDED TO MY DISPUTE... BUT THEY HAVE NOT. EQUIFAX TELLS ME THAT " ACCOUNT PAID/ XXXX BALANCE / ACCOUNT CLOSED MEANS " CHARGE OFF PAID '' BUT WHEN I ASK THEM TO THEN CORRECT MY ACCOUNT STATUS TO REFLECT THE DISPUTED " CHARGE OFF as " PAID CHARGE OFF '' THEY SAY " XXXX XXXX NEVER REPORTED THAT IN THEIR RESPONSE TO MY DISPUTE..THEY SAID XXXX BALANCE / ACCOUNT CLOSED '' THEY CANT MAKE CHANGE BECAUSE IT WASNT REPORTED THAT WAY '' I SAY ... THEN THEY HAVE NOT ANSWERED MY DISPUTE!!!! I ASK FOR A SUPERVISOR ... GET PUT ON HOLD THEN HUNG UP ON. 4X IN A ROW ON XX/XX/2021. 

CANT BE RESPONDED TO DISPUTE ... .THEN SAY YOU CANT MAKE CHANGE BECAUSE THEY DIDNT SAY IT IN DISPUTE DIRECTLY... THEM NOT ANSWERING IF THE ACCOUNT IS A " PAID CHARGE OFF IS WHAT I DISPUTED AND WHY ITS NOT REFLECTED ON MY REPORT. THEY NEVER ANSWERED THAT ... .BUT SAID AGAIN ... XXXX BALANCE - ACCOUNT CLOSED. THAT WAS TAKEN AS AN ANSWER TO MY DISPUTE ABOUT IT BEING A PAID CHARGE OFF. 

THEY REFUSE TO ACKNOWLEDGE DISPUTE WAS NOT ANSWERED PROPERLY THEN AND SAY THAT IT IS BEING REPORTED PROPERLY. PLEASE HELP WITH THIS ISSUE AS I HAVE DISPUTED MULTIPLE TIMES WITH EACH AGENCY WITH NO PROPER RESULTS ON DISPUTES OR HOW REPORTED ON CREDIT REPORT. EQUIFAX IS RUDE... UNPROFESSIONAL UNWILLING TO FOLLOW OR MAINTAIN THE GUIDELINES THAT CREDITORS HAVE TO ABIDE BY IN THESE INSTANCES AND I WAS TOLD TO CONTACT CREDITOR... REALLY ... I DID.. THRU EQUIFAX AND THEY TOOK A NO ANSWER AND MADE IT AN ANSWERED AND CLOSED DISPUTE.
Product: Payday loan, title loan, or personal loan

I checked my credit report I see this negative impact from this company which I was told is a payday loan. I have never received anything from this company. I called them and the credit bureaus and the say it is a verified debt. I never received any money from this company and have no knowledge of signing any paperwork. I was told by a representative that they have a signed contract but they will not provide it to me at all.      XXXX / XXXX / 2012  in the amount of {$610.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has been non-compliant with removing the unverified account XXXX/XXXX XXXX which has been deleted by XXXX  and XXXX. XXXX and XXXX have both completed their research and determined that XXXX/XXXX XXXX was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX  did not send them all of the verifying evidence to confirm each account is unverified.
Product: Debt collection

A credit card was taken out for XXXX that was closed out in 2019 with a balance of XXXX dollars. This is in collections with LVNV funding LLC. I have spoke with them on the phone and informed them that I wanted to report fraud and get this matter resolved so to remove this from my credit.
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. 

XXXX  XXXX XXXX XXXX # XXXX XXXX XXXX XXXX  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 knowns or has reasonable cause to believe that the information is inaccurate. The following personal information is inaccurate, please remove XXXXXXXX XXXX XXXX XXXX XXXX, tx XXXX incorrect employer : XXXX XXXX
Product: Debt collection

I had a male call me about a medical bill while I was shopping at XXXX. He requested my Social Security number and mailing address. I refused to give him any information since I did not initiate the phone call. I thought it was a spam call. I requested a call back number and he refused and hung up the phone call. He said he was from XXXX XXXX XXXX where I have been too, but you can never be too careful. I have never ever had a late payment on my credit report or a lien or anything. Once I receive a bill I pay it. Now as of XX/XX/2019 my credit report shows a collection from XXXX XXXX XXXX in the amount of {$250.00}. My Husband and I are planning on building our Dream House this spring and my XXXX mid score dropped to XXXX which means we will not get the lowest interest rate. Please help me and advise on what to do, when I call the XXXX XXXX. XXXX, it just goes to voicemail. I have paid every bill from XXXX XXXX XXXX so I don't know who this Company is.
Product: Credit reporting or other personal consumer reports

Louisiana child support enforcement was contacted to prove obligations owed to them. They have been reporting to my credit for 2 years now unlawfully. Furthermore I have used XXXXXXXX XXXX and XXXX XXXX to assist with raising my XXXX score.
Product: Checking or savings account

I opened a Square account for my new business, invoiced a client for {$5000.00}, then immediately after the payment cleared via ACH, was told my account had been deactivated and they do not need to provide a reason. I was unable to access my money and now have been told the funds are being held for 180 days, again with XXXX explanation as to why. My business is registered and completely legitimate. The customer did not file a dispute or anything even remotely close to that. It was a normal sale. After trying to reconcile this with their customer support, no progress has been made. I attempted to refund the money to my customer, after Square told me I could do so, and it would not process. Square then changed their response and told me I could not issue the refund and I can not have access to my money for 180 days. This situation is bankrupting my new small business before it's even had a chance to start. I am a XXXX XXXX and am in complete shock that this practice is allowed in our country. This is literal theft and Square is banking on the interest from my {$5000.00} for the rest of the year.
Product: Debt collection

I filed a dispute with XXXX on XX/XX/XXXX Report # XXXX. The dispute was denied, and the information now being reported on my credit report is incorrect. The date of the last reported payment is XX/XX/XXXX according to XXXX. The card was opened with the original creditor on XX/XX/XXXX as reported on my credit file by XXXX. The debt was sold to XXXX XXXX XXXX. 

I received the results of my dispute with XXXX on XX/XX/XXXX which stated the debt collection account would not be removed and was correct as being reported. 

I complaint today to the XXXX is my credit report was updated to statethe about debt would I be removed until XXXX!!!!!!!!! NO WAY ... this should be removed after years of being reported and I would like for my credit file to be update with the correct expected removal date so I XXXX monitor its removal. I would also like a debt validation mailed the as I believed this account was opened prior to XXXX. The should not be a case where the debt collector or the credit report agency is " RESETTING THE CLOCK '' as a result of me reaching to inquire about the accuracy of my credit file. This a is a complaint against XXXX and XXXX XXXX XXXX. 

Original Debt Company : Barclays Bank Delaware XXXX to : Portfolio Recovery Associates Address : XXXX XXXX XXXX XXXX XXXX, XXXX, DE XXXX
Product: Credit card or prepaid card

Today on XX/XX/2020 I received an email from American Express Bluebird that they were permanently closing my account and that my account violated some terms but did not define the terms that were violated. The email says section 22 ( d ) was violated which says they can close at their discretion. I have been a customer for several years and I have a balance remaining in my account from my paycheck that was deposited 2 days ago. I cant access my money and customer service is not helping me and said I have to write a letter. They said Ill receive an email in a few days to tell me what is happening to the funds but that is it. No information, no money, no help. How can a company close an account without letting you withdrawal funds first?
Product: Credit reporting or other personal consumer reports

Im submitting a follow up complaint to you today to inform you regarding my case of being a victim of fraudulent activity. Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an identity theft report with reference number XXXX. Please find the ATTACHED documents to assist in the removing of the erroneous personal information and inquiries which were being posted to my report. Here is the list of items which were opened without my permission : XXXX 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 -- -- -- -- -- -- EQUIFAX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any items in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Mortgage

They told me my forbearance was good from XX/XX/XXXX till XX/XX/XXXX and to start paying the loan back on XX/XX/XXXX so I did, they then threw it into late pays and instead of deferring the total amount of missed payments to the back end they are calling it all due and payable. I had a request in to pay my own taxes and insurance way before the forbearance and they did nothing with that request. I have a XXXX per cent XXXX and had already paid the taxes and insurance myself so now their payoff figures are wrong. They told me they would call me when to send them my financials and they never did. We then sent them the paperwork they requested in mid XXXX and I made the payment on XX/XX/XXXX but began reporting us as late. We also had been approved for a XXXX under the XXXX XXXX XXXX and that was not explained to us that the program would take a long time and therefore nothing was settled on time however I did start making the payment when they told me to.
Product: Debt collection

Hello. Our company XXXX XXXX XXXX XXXX partnered with a loan company called smart money alliance to fund loans. We we're told if someone goes thru the entire process of the loan, we will have to pay a origination fee of {$1200.00}. They informed us that either we pay it or charge the customer for the fee. One of our clients we submitted however the client never went thru the process and refused the loan. Smart Money Alliance is trying to charge us for the loan that never was completed thus their trying to charge us {$4700.00} in fees for a loan that our client never went thru. They keep sending invoices and we're at a point that we're tired of the harassment. WE DON NOT OWE THIS DEBT
Product: Credit reporting or other personal consumer reports

the personal information reporting on my report is not correct i asked for it to be corrected in XX/XX/year> and my account has yet to be updated i attached the same letter I sent them please help with handling this manor
Product: Credit reporting, credit repair services, or other personal consumer reports

I accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1681 section 602 A states I have the right to privacy.

15 USC 1681 section 604 A section 2 states a consumer reporting agency can not furnish a account without my written instructions 15USC 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 7 years
Product: Credit reporting, credit repair services, or other personal consumer reports

i want them to remove all these accounts from my credit
Product: Mortgage

1 ) XXXX XXXX indicated that my last mortgage modification would bring my loan current to XX/XX/XXXX. My loan was brought current to XX/XX/XXXX. This was escalated for resolution and has yet to be resolved. 

2 ) I wrote a letter indicating issues with my mortgage modification and that I wanted to proceed with a Bayview in-house modification, and I sent in the request for resolution within 30 days after signing ( the instead offered and accepted HAMP mortgage modification ) documents to indicate issue. This has yet to be resolved. 

3 ) I sent in all documentation requested of me by XXXX XXXX ( and XXXX XXXX ) and communicated regularly with employees at Bayview Loan Servicing to indicate my intention to avoid foreclosure. I have complied with sending any and all documentation requested to qualify for work out options. This has yet to be resolved as work out options have not been communicated to my attorney ( to the best of my knowledge ). 

4 ) XXXX XXXX told me in recorded phone conversations that I would be eligible for a repayment plan, and then would n't get back to me until after my mortgage was referred to foreclosure attorneys at XXXX XXXX XXXX XXXX XXXX attorneys, resulting in thousands of dollars of extra fees that included payments due that were to be deferred in my principle balance, and then authorization was given twice to proceed with scheduling a foreclosure sale of my home. This is dual tracking in Minnesota and extremely poor business conduct, which has led these issues being addressed today. 
I am submitting this complaint to indicate that I am still trying to resolve these issues. 

5 ) My attorney has requested all work out options available to me from Bayview Loan Servicing,  and has yet to receive these options, to the best of my knowledge. Please send them. 

6 ) I am trying my best to work with Bayview to collaboratively avoid foreclosure, which has been my stated intention all along. It is in the best interest of everyone involved to avoid foreclosure of my home. I request resolution of these complaints and ask for any and all assistance. 

Thank you.