23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I purchased a home XX/XX/XXXX in XXXX XXXX XXXX I purchased it from XXXX XXXX 's real estate agency using one of her buyers agents. In the financing an escrow was set up to pay the insurance as well as taxes. According to the paperwork the taxes for XXXX were XXXX and homestead was filed by the homeowner for XX/XX/XXXX. They set up the escrow to hold out XXXX to pay the taxes each year. That totals out to XXXX. I paid on time every month. XX/XX/XXXX i received a call from the bank and was informed that the withdrawal went from about XXXX to XXXX. So i called to find out what the problem was. They informed me that i failed to file for homestead XX/XX/XXXX and that I had insufficient funds to cover the taxes and my payments would have to increase until that was caught up. I understand that was ignorance on my part and I have paid it and made the changes that were needed in order to pay back the owed amount. They reassessed it for XX/XX/XXXX and sent the info to the bank so the amount owed for that year went from approx XXXX to XXXX which is when I became aware of a problem. My down payment, insurance, and account was set up based on the tax information provided to me. However when i received my estimate for this year the taxes are not XXXX based on XX/XX/XXXX. They are not XXXX based on what I was told to expect to pay. They are XXXX ... nearly XXXX percent more than the estimate I was given. I do understand it was an estimate which implies it could be slightly off. However thats not slightly off. It in essence doubles what I have to pay for it into escrow every month and increases how much I would have to pay for the home if kept full term to about XXXX more. Through my investigating it appears that they gave an estimate based on what the previous home owner would be expected to pay. The previous homeowner was over the age of XXXX I 'm assuming. I did n't know him but I have deduced that. That qualifies him for special exemptions in homestead which I as a XXXX year old at the time did not qualify for which they would certainly know. Not only that there are many more people under the age of XXXX buying homes than over. His rate would be the exception certainly not the rule. Therefore The numbers were going to be roughly XXXX percent off in most cases. Yet I was given nothing to indicate this. Mortgage loans are also to be made in part only to ones who have the ability to repay them. How could anyone claim that is being done when the estimates are allowed to be that far off? I know I might have rambled a bit and I apologize to whoever is having to endure it, but please understand I 'm not one who asks for assistance in matters and I accept responsibility for mistakes when I make them. This however was not a mistake I made and its brutally unfair for me to have to pay for somebody else either purposely misrepresenting the truth or not doing their job. I have another issue with a repair request but I 'll put that in a separate complaint. Thank you for your time.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect personal pieces of information were found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the incorrect personal pieces of information that are reporting on my Credit Reports and need to delete immediately : Wrong Addresses : XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
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 Act Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 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 items of information, other than records of convictions of crimes which antedates the report by more than seven ( 7 ) years. 15 USC 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 reasonable cause to believe that the information is inaccurate. 

In accordance with the Fair Credit Reporting Act, The following addresses are inaccurate and need to be removed from my credit report. 
XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX  XXXX XXXX XXXX XXXX, PA XXXX Section 623 ( a ) states that a person, including a financial institution, may, but need not, specify an address for receipt of notices from consumers concerning inaccurate information. If the person specifies such an address, then it may not furnish information relating to a consumer to any consumer reporting agency, if ( a ) the consumer notified the person, at the specified address, that the information is inaccurate, and ( b ) the information is inaccurate. If the person does not specify an address, then it may 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, credit repair services, or other personal consumer reports

I sent a dispute letter on XX/XX/XXXX through Certified Mail to XXXX requesting a reinvestigation and the Method of Verification for an account on my credit profile through XXXX. Per the FCRA 623 ( a ) ( 5 ) : If the Credit Bureau can not VALIDATE the information with the original creditor, they must remove said information from the consumer credit file. I have attached copies of the letter from the US Bankruptcy Court stating they dont report to the credit bureaus. I have also attached a copy of my letter from XXXX saying my credit profile is frozen. How is the credit bureau verifying this alleged public record when the third party provider is frozen? Per the Federal Law, you have exactly 30 days to complete the investigation as outlined per the Fair Credit Reporting Act 623 ( a ) ( 3 ). Equifax has been non-compliant and didnt complete the dispute in 30 days. I further remind Equifax, as in Wenger v. TransUnion Corp., No. 95-6445 ( C.D. Cal. Nov.14, 1995 ), you may be liable for your willful non- compliance. The account in question needs to be removed immediately for violations against the Fair Credit Reporting Act, no validation in the 30 day time period, no validation with the third party provider of the data. XXXX cant verify this account due to a security freeze on my profile and the Bankruptcy court cant verify Bankruptcies due to privacy laws. The public record is non compliant, inaccurate, and unverifiable.
Product: Debt or credit management

I did a debt relief program on XX/XX/2018. when contacting them with all my credit card debt, they created the program to Follow with how much each month I would have to pay and I agreed to it and they sent me the paperwork. After Receiving the paperwork, it had all the credit cards that we talked about. I asked them if I could just keep a couple cards off it and just do the rest. I was told yes that was no problem. She asked if i wanted a new program because i could pay less with new paperwork. she said if I kept paying the same amount, i could pay it off faster so i agreed to the same payment amount 2 credit cards with around XXXX debt that i wouldn't have to pay to them. They did remove both those cards from what i had to pay. 
I started my monthly payments and followed their program I was never late with any payments. They would call with a settlement and asked if i approved it. Of course i did because it was their program. They constantly gave me knew people to handle my account. One of them told me they were quitting because they couldn't stay for what they were doing to the consumers. I didn't know what that meant until the end. Even though I removed XXXX of credit card debt to pay myself, they called to say they needed to add more money to finish paying it off so i agreed and bumped it up another XXXX kept making my payments on time. then later they asked again for the second time to add more money to pay off the debt. Now I was wondering what kind of scam are they pulling because i removed XXXX dollars of debt from their program but agreed for another XXXX then i got a new person to work on my account. they said she got promoted to management. then they asked for another XXXX to pay off the lowes card. The lowes card only had a XXXX dollars to pay off. I refused to make this 3rd payment because they were already way over what they promised and finished the program. they soon removed the lowes credit card from my account and i paid everything listed on my account. 

This year I have a XXXX credit card that was in their program added to my credit report. I now have a debt collector wanting to go to court about it. So I talked to a lawyer and he recommended me to go this way first. Then if it does go into court, he will take it on and bring in DMB Financial to recieve all their documentation and communication.
Product: Credit reporting or other personal consumer reports

The following accounts I have disputed and have not received results : XXXX - XXXX {$2200.00} XXXX XXXX XXXX XXXX {$50.00} XXXX XXXX {$4900.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX, Date of Birth- XX/XX/XXXX, SSN # : XXXX, my current address is XXXX XXXX XXXX XXXX XXXX , OH, XXXX. Please remove addresses that doesn't belong to me : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX. My current phone number : XXXX. Please remove phone number that doesnt belong to me : XXXX.This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The specific information under dispute is derogatory nature. I am requesting the verification to follow reasonable procedures to assure maximum possible accuracy, of the information on my credit report. So I am requesting you verify the items I am disputing at a higher standard than a third-party database search. Please also notify the source who reported the item within 5 days after receiving this dispute, and obtain either, verbal or hand written verification directly from a person at that. Please delete/remove the following unverified accounts : 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 etc, 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

I am contesting the presence of inaccurate personal information on my credit report. The following information does not pertain to me, and I have no association with it. I request the immediate removal of this information from 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
Product: Mortgage

Since XXXX XXXX I have attempted to do a modification with the mortgage company, Carrington Mortgage. We have submitted documents numerous times and have received numerous letters stating that they had not received documents when we could prove via emails that the documents were sent. In this process my home has been in foreclosure and I hired counsel to help with that situation and the bank continued to move forward with the foreclosure and ignore the request for modification. Finally my attorney advised the Court that the bank was attempting to foreclose on the home at the same time the homeowner was requesting a modification. That the bank continued to ignore the modification. Finally after contacting the Florida Attorney General Office and working with them Carrington forwarded me a modification. 
At the time of the default I became XXXX overnight by a sever XXXX called XXXX and within the next year or so may be placed on a XXXX list. It has placed me on XXXX and has taken my income from over {$50000.00} a year to now only {$17000.00}. I have been an XXXX for almost my whole life. 
When I applied for the modification I explained to the bank that I was not able to pay the {$1400.00} payment per month and request a payment reduction. When I received the modification offer they sent me a payment of {$1400.00} per month. I was under the impression the modification was supposed to help homeowners not insult them. 
Second once I began to review the Carrington monthly statements I noticed that the statement had almost {$10000.00} of fees that were being added for " mold treatment '' and field XXXX fees '' and numerous other things. My home is made of Cedar and would not require any mold treatment and no one has ever been to my home on XXXX XXXX, XXXX to treat my home for mold at the cost of {$5600.00}. 
I am currently considering bankruptcy due to this modification but a friend suggested that I contact your office. Carrington has spent months coming up with every excuse to not provide me with a modification, and then offer me a modification payment of more than the original mortgage and more than the 31 % of my income. My wife works but we do not bring in the amount of income we did when the home mortgaged. I have lived in this home since XXXX.
Product: Debt collection

Target credit card services has called me 66 times since XX/XX/16. Thats 66 times in 13 days! I have it all on my call log on my phone. This is definitely defined as harassment and it needs to stop! XXXX  XXXX XXXX auto blocked their calls it was so excessive. And considering I already told them when I could pay it, and the reason I feel behind on my payments, due to my XXXX  having XXXX, this is nonsense to keep harassing me.
Product: Credit reporting or other personal consumer reports

I recently found that there are several fraudulent items on my credit report that don't belong to me. I do not have a record of doing business with these companies. I have documented all correspondence with your company. Please remove these fraudulent accounts, as you know they are in violation of the Fair Credit Reporting Act. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as a proof of my identity.
Product: Money transfer, virtual currency, or money service

Tuesday XX/XX/year> I transferred by ACh {$700.00} from Cash App to my XXXX account this morning XXXX sent an email saying they rejected the ach because my cash app nick name does not match my XXXX account name. cash app insist the transaction is complete and will not return the returned funds to my account email address. It is strange how while I am steady showing them the deposit was returned all of the sudden it goes from pending to complete. This app is constantly problems and I just want my funding back and move on.
Product: Credit card or prepaid card

I have a loan with CAPITAL ONE BANK USA N. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, and CAPITAL ONE BANK USA N with no successful resolution. XXXX and XXXX   only reporting me late. There was definitely an error on their part. I was never 30 days late ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ), also I was never 60 days late ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ), moreover I was never 90 days late ( XX/XX/XXXX, XX/XX/XXXX ), lastly I was never 120 days late ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX )
Product: Checking or savings account

On XX/XX/XXXX my purse was stolen including my driver 's license, credit/atm cards, checkbook and keys. I reported the theft and it is in a XXXX Police Report. I cancelled my Bank of America ( BOA ) cards, stopped payment on the missing checks, and removed most of the funds from my checking account. 

On XX/XX/XXXX-XX/XX/XXXX, three deductions totaling {$5500.00} were made from the BOA checking account belonging to my husband and me for " returned item chargeback ''. Apparently, on XX/XX/XXXX-XX/XX/XXXX, someone presented my stolen id, and BOA cashed 3 third party checks totaling {$5500.00}. This was despite the fact that there were not sufficient funds in the checking account to cover any one of the third party checks. 

On XX/XX/XXXX-XX/XX/XXXX, we met with a local BOA official who initiated a BOA fraud investigation, referencing the XXXX Police Report number. He put a " fraud hold '' on the account, and we discussed options for my safety deposit boxes since the thief had both my id and my deposit box keys. Ultimately, I re-keyed both boxes. 

On XX/XX/XXXX I was contacted by the BOA fraud investigator. I told her that my TX driver 's license was stolen which displayed my signature, along with checks, cards, etc. I also referred her to a second identity theft incident using my cancelled checks and gave the XXXX County report number. 

On XX/XX/XXXX, without any communication, BOA move funds from savings accounts of ourselves and our child to cover the overdraft in the checking account. I met with a BOA official at a local branch, who indicated that the fraud claim was denied, but that she initiated a " reconsideration request ''. She said they would email me the denial letter, which they did not do. 

After several calls to BOA check fraud, I received the denial letter which stated " The signature on the item ( s ) you claimed matches with the sample signature ( s ) on the account. Based on our research, identification belonging the account holder was used and we have n't been advised that your identification was lost or stolen. '' Between XX/XX/XXXX and XX/XX/XXXX, we contacted BOA at least 9 times via the fraud department customer phone lines, letters, and local BOA officials. We provided full copies of the XXXX Police and XXXX County reports. BOA continues to delay citing workload, errors in internal communication and work processes, lack of information, adherence to internal durations, etc. On XX/XX/XXXX, the representative indicated that the first reconsideration request was not done correctly, and did not take place, so he provided the proper paperwork, and now the completion date was XX/XX/XXXX. On XX/XX/XXXX, another representative indicated that there were 2  reconsideration requests, that the first one was denied but there would be no communication to me, to call back after XX/XX/XXXX.
Product: Credit card

On XX/XX/2023, Citibank closed my credit card account. This was shocking as my credit score is about XXXX and I had never had a late payment in the > 10 years of having the card. When I asked Citibank why the account was closed, I received a letter ( attached ) stating that during a recent review of my account, they discovered that I was associated with a XXXX related business. Therefore, they determined that they could no longer offer me financial services. 
I have not in the past nor am currently involved in any XXXX or XXXX related business either directly or indirectly ( investments ). I have never been to a dispensary. I do not use medical ( or any ) XXXX, and although I am a XXXX, I do not nor have I ever had anything to do with medical XXXX. I am willing to share my tax returns and provide a sworn affidavit if necessary.
Product: Credit card

I sent a signed due bill statement along with a UCC-1 form and a notarized and certified letter to pay the full amount being that I am the lender according to U.S.C and UCC laws XXXX I endorsed the due bill correctly and after speaking to Discover they were unable to confirm that theyve received payment and literature sent by me. I tracked all mail and it was delivered with a signature. They said theyd call me in XXXX hours and have not responded. All mail was sent on XX/XX/23.
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 XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Im filing a complaint against XXXX failing to properly investigate my disputes regarding inaccuracy in my credit report. Despite my numerous submissions, XXXX, consistent response in XXXX hours stating that the account is accurate without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes, Futhermore, XXXX actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) - ( A ) - ( B ), as highlighted in the CFPB recent administrative proceedings, ( File No. XXXX ) against them for similar violations. I request that the CFPB takes action against XXXX to ensure that they comply with federal law and provide consumer with proof of necessary investigations.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts though your company claims to have verified these. 

Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX XXXX, XXXX XXXX XXXX ( Experian ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

Over 2 weeks I transferred {$1000.00} into my Robinhood account after the account was accepted, my bank account verified any linked, IDs uploaded to their system. Account was immediately frozen. I uploaded all information again into there system including IDs, multiple bank statements, multiple selfie photos, and specific transaction PDF and screenshots of the {$1000.00} transaction listing under Robinhood. Account is still frozen with the dates in there system constantly changing with no resolution and no contact from Robinhood.
Product: Credit reporting or other personal consumer reports

Since XX/XX/year> I have sent several written responses to have all inaccurate and none authorized reporting removed from my report.