23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

My mortgage company, XXXX, is charging me XXXX  the amount that I owe in taxes and more than I owe in insurance causing my mortgage payment to be {$1000.00} more every month. I have told them this several times and they have done nothing about it and I can not afford an extra {$1000.00} a month and should mot have to pay this. 
My taxes are {$5900.00} a year and XXXX is charging me {$11000.00} a year. 
My house insurance is {$1500.00} a year and XXXX is charging me {$2700.00} a year. 
My taxes are listed on XXXX XXXX website in XXXX  My address is XXXX XXXX XXXX, XXXX OH XXXX
Product: Checking or savings account

[ CA XXXX XXXX ] Fraud Charge Work/Important XXXX XXXX XX/XX/2021, XXXX XXXX Hi XXXX, Can you please send me an image of the charge on your account? What I need to see on the charge, is the date of the charge, the amount of charge, and there should XXXX XXXX XXXX XX/XX/2021, XXXXXXXX XXXX Hi XXXX, Ive attached and the email includes the information you requested. Let me know if you have any additional questions. Thank You! 

XXXX XXXX XX/XX/2021, XXXXXXXX XXXX XXXX XXXX, Thank you for sending that over. Can you provide me with the last four numbers on the card that is connected to that account? XXXX XXXX XXXX XXXX XX/XX/2021, XXXXXXXX XXXX  Per your request, the last 4 digits of my account are XXXX XXXX XXXX XX/XX/2021, XXXX PM XXXX XXXX, XXXX do not see a charge in our system under your credit card XXXX XXXX XXXX XXXX XX/XX/2021, XXXXXXXX XXXX XXXXo XXXX Yes because I was advised to get issued a new XXXX attached a screenshot of the charge to this email. 

It won't allow me to send you the screenshot due to formatting. if we email I can send it to you. 

XXXX XXXX XXXX XX/XX/2021, XXXXXXXX XXXX to me XXXX XXXX, I do not see this charge in our system. 
You can call your bank and dispute the charge Please make sure to reply-all to this email to receive the best customer service XXXX XXXX HE CHARGED ME {$180.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to view my credit report from Equifax. 

Have tried to view my credit report from 1. XXXX XXXX XXXX 2. XXXX and 3. XXXX online monitoring service. 

Equifax is preventing me from viewing my credit report for errors or valid information. 
This is a violation!
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX  was never late! I have had exceptional payment history with XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in months that are reported late to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

I believe this collection was opened in error with a name that is similar, this account is not mine. I believe that Experian, XXXX, XXXX did not proper investigate this matter. This account is invalid and contains multiple errors. 

The statue of limitations for this debt has passed, This creditor is not licensed in my state. 

I do not have a contract with this collection company.
Product: Mortgage

We closed on our refinance with Loan Depot on XX/XX/XXXX. 
Our closing fees included {$1800.00} for real estate taxes due upon closing to XXXX XXXX XXXX. This tax. Payment was not made and has not been made despite every email and telephone call attempt we have made. We have been communicating via email and telephone with 2 separate individuals : XXXX XXXX ( customer service supervisor XXXX XXXX ) and XXXX XXXX ( XXXX, XXXX XXXX XXXX ). 
As of now, XXXX XXXX XXXX has NOT received payment for the XX/XX/XXXX quarterly payment. I have also provided a copy of statement from XXXX XXXX XXXX showing no payment. 
Additionally, the tax payment schedule is incorrect on LoanDepot processing side as it states no tax payment needed until XXXX. 
We have tried several times to have this corrected over the past two months to no avail. They still want to track down the title company how to track down what happened to the payment that was taken upon signing of the closing documents. 
Please advise and help. 
XXXX and XXXX XXXX
Product: Mortgage

XXXX XXXX was working with me i was paying them {$750.00} every 3 months out of my credit cards. I signed paperwork from mail from XXXX was my represenative. 
My house got put up for auction which Wells Fargo bought even though people were trying to buy it. 
However after many months nothing happened with Wells Fargo Lowering payment so was XXXX and cancelled lawyer as nothing was happening. 
XXXX XXXX ( foreclosure specialist ) said in voice mail i was getting something in the mail in next 2-3 days, i am so scared i do not know what to do. I have sent letter by mail and on the sight to send things to Wells Fargo. I am a very sick women with XXXX ( my immune system is whacky and i have had XXXX XXXX XXXX XXXX, I will pay every month ( which i have promised over and over. I get my Social Security check the 2nd Wednesday of the month and will call in and pay with customer service or send a check. (
Product: Credit reporting, credit repair services, or other personal consumer reports

I am disputing an account that I do not recognize and it is in Charge Off by XXXX XXXX XXXX opened on XXXX for a credit card for a total amount of XXXX dollars. I have called and sent more than 3 letters to the creditor during the last 2 months since I do not recognize this information. It does not belong to me. 
My social security was just provided about 12 months ago and I need this information removed from my credit report as it is affecting my credit
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Alleged debt XXXX Acct # XXXX I am writing to request validation of the debt referenced in your recent communication. In accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), I request that you provide me with the following information : 1. The original signed contract or application that indicates I agreed to the debt. Specifically, please provide a copy of the original contract with my wet signature.

2. A complete payment history, including the date the debt was incurred, the amount of the debt.

3. A detailed breakdown of any fees and interest accrued since the debt was incurred.

4. Copies of any and all documents that establish your legal right to collect this debt.

5. A copy of the payment schedule or account statements that substantiate the amount of the debt you claim I owe.

I am requesting this information to ensure that the debt is valid and that I am indeed the party responsible for it.

Under the FDCPA, you are required to cease all collection activity until this debt is validated. Please send the requested information to the address provided above.

Thank you for your cooperation. I look forward to your prompt response. 

Sincerely, XXXX 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 to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX # XXXX, Account name : XXXX # XXXX, Account name : XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX, Account name : XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX  # XXXX, XXXX  # XXXX, Account name : XXXX  # XXXX, Account name : XXXX XXXX XXXX  # XXXX XXXX Account name : XXXX XXXX # XXXX XXXX Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX  XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX. has violated my rights. 
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, credit repair services, or other personal consumer reports

up in accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights.

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 Creditor Name : XXXX Account number : XXXX Creditor Name : XXXX  XXXX Account # : XXXX Creditor Name : XXXX XXXX XXXX  XXXX Account # XXXX
Product: Debt collection

This firm has contacted me twice regarding an account from 2015. Twice, I have asked to be shown the unredacted Bill-of-Sale that shows both the DATE and the amount their client, LVNV Funding, LLC actually PAID for this old account. They are claiming I somehow owe " them '' {$1600.00}. Unless they can show/prove that they actually paid this amount and " WHEN '', I believe I owe them nothing. I am disputing both their claim and the amount they believe I owe them.
Product: Debt collection

To whom this may concern, This is an inquiry of concern related to XXXX car rental company and Viking client services LLC. 

On or about XX/XX/XXXX I received a letter from Viking client services stating that I owe a balance just electric debt is related to a car rental that took place in or at about XX/XX/2022. 

The car that was rented from XXXX rental company was recommended by my insurance company XXXX XXXX. Below are the documents related to XXXX XXXX XXXX XXXX and its payment towards the rental car according to my insurance agreement. According to the rental term agreements I am obligated to have my card on file while the car is in my possession. 

Highlighting that there were some issues with the amount of time that was allocated to me from my insurance company. XXXX rental had to adjust the term of my rental timeline related to the portion that XXXX XXXX  will pay. 

Please highlight that I did not exceed my rental agreement Max requirements for coverage. At the time when I returned the vehicle I paid my portion of the vehicle rental in full off of my credit card. Below you will see a document highlighting how much I paid related to my portion of the agreement. This payment was made the day that I dropped the car off in person. As you read the XXXX part bill it stated that this bill is related to a accident with the car. With is indicating to that I had a XXXX XXXX XXXXXXXX in the car and this is not the truth. I never heard of an unreported car accident costing XXXX. 

As a consumer I am under the assumption when I total out a bill at a location that I will not receive a collection notice later on saying that I owe them more money. So, I would like you to look into this issue as well as highlight that there is a possibility that hurts car rental companies are selling debts to third parties company. Such as Viking client services of debts that are already satisfied. Just highlighted in this example I am giving you. 

Would like to thank you in advance for reviewing all said documents as well as my concern as a consumer doing business with the entity known as XXXX car rental.
Product: Mortgage

I received a call from Amerisave Mortgage after requesting rates from XXXX XXXX. XXXX XXXX eventually disclosed I would have to pay an upfront non refundable {$500.00} application fee. When I questioned him, he said it was an appraisal fee. I told him verbally and via text on XX/XX/2020 I did not want to proceed with the loan. To date, I have received a copy of a credit report I did not authorize him to run and numerous request for documents. I respond to his emails asking him to stop processing a lone for me. I also follow up with a phone call and leave a message. Today I received a call from my employer informing me Amerisave is trying to confirm my employment. Please help.
Product: Money transfer, virtual currency, or money service

Dear Sirs : This is XXXX XXXX. I am reporting cash.app, which is a service of XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX XXXX. On XXXX XXXX XXXX there were XXXX unauthorized transactions debited to my cash.app card, ending in XXXX. This card has since been cancelled. On XX/XX/XXXX, I reported the fraudulent activity. There were XXXX unauthorized XXXXXXXX XXXX transactions to XXXX for {$1000.00}. The XXXX  transaction was for XXXXXXXX XXXX for a total of {$1000.00} XXXX The times these XXXX XXXX  transactions occurred on XX/XX/XXXX are as follows : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX hrs. The tranaction for XXXX XXXX occurred at XXXX hrs. Cash.app has told me I am being held responsible because they state " Based on the information available to us, our investigation has led us to determine that these transaction ( XXXX ) were authorized by you or someone you authorized to use your credentials and no error occurred. As a result, your dispute has been denied. '' I submitted an Appeal Statement ( attached ) but they then closed my account. XXXX has labeled me as the perpetrator of my own account fraud. The last XXXX transactions in dispute were made to a XXXX XXXX for XXXX XXXX  on XX/XX/XXXX at XXXX, at XXXX for XXXX usd, at XXXX for XXXX XXXX, and XXXX hrs for XXXX XXXX for a total of XXXX XXXX. I do not know XXXX XXXX or the perpetrators of the other fraudulent transactions. I hereby swear and affirm that these statements I have made are the truth and nothing but the facts. I have also attached a copy of my XX/XX/year> banking statement. Your time considerations in this matter are greatly appreciated. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XX/XX/XXXX XXXX XXXXXXXX Balance : {$1000.00} XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$3400.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$4100.00} XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX : {$1000.00} XXXX  ( XXXX Creditor XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$3400.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$4100.00} XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXXXXXX Balance XXXX {$1000.00} XXXX ( XXXX Creditor XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$3400.00} XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX Balance XXXX {$4100.00} XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Vehicle loan or lease

I went to purchase a vehicle at XXXX XXXX cars on XX/XX/XXXX I was initially charged XXXX for the vehicle but after I got my first billing statement for the car I realized that the monthly payment didnt reflect on what agreed to which was {$270.00} the new monthly payment is XXXX I went back on the bill of sale and realized that I was charged for an unauthorized warranty which cost XXXX which caused an increase in monthly payment not only this I have a copy of the warrant that I didnt signed! But I was still charged
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed an item on my Experian credit report stating that the debt belong to my ex-husband. The account is XXXX XXXX. The account was closed in XXXX. The dispute results stated that it would remain on my credit. The date for removal from the credit report is now changed to XXXX. That is incorrect. According to the Fair Credit Reporting Laws, an item can only remain for 7 years.
Product: Credit reporting or other personal consumer reports

In submitting this follow-up complaint, I wish to highlight my ongoing issue as a victim of identity theft, as previously reported under reference number XXXX. In accordance with the Fair Credit Reporting Act ( FCRA ) Section 605B, Credit Reporting Agencies are mandated to expunge any items detailed in an identity theft report. Enclosed are documents aimed at facilitating the removal of erroneous and fraudulently posted items from my report. Below is a catalogue of items opened without my authorization : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Per FCRA Section 605B ( a ), Credit Reporting Agencies are obliged to delete any items from a consumer 's file that the consumer identifies as resulting from alleged identity theft, within four business days following receipt of such a claim.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, a hard inquiry was made on my credit report by SYNCB/PAYPAL ( BANK ). I do not have any credit card or debi tcard with that company. I reached out to the company via telephone and the representive told me that there is no account associated to my name and social security number. This hard inquiry is reported on all 3 credit bureaus. I dont have a reference number or account number for this account and there is NONE with my name or social security number. I did not authorize anyone to open or use my information regarding this suspicious activity. i have no knowledge of this activity.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been working on trying to remove incorrect personal information that I dont want on my credit report. According to the fair credit reporting act 12 USC 1681.I have the right to privacy. Also according to 15 USC 6802. No financial institution is not suppose to share my information to third party people. 

These are clear violations of my federally protected consumer rights.
Product: Credit reporting or other personal consumer reports

This company has failed to comply within the required time allowed by law. XXXXXXXX XXXX  is subject to criminal liability for violating 15 U.S.C 1691 as I have proof that i was discriminated against by XXXX due to the response I received. 

This company has ignored myself for months on this matter. I am gathering all of this information for further litigation. XXXX is making money off me while maintaining my credit in the ruins and selling my information to third parties.
Product: Credit reporting or other personal consumer reports

LVNV funding LLC Acct : 6507 This account Is identity theft. I have filled out all paperwork with state federal government and this needs to come off my credit report or I will be following charges against your company.You have 30 days from receipt of letter. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, MO. XXXX
Product: Debt collection

The company called my place of employment on XX/XX/XXXX. I sent a cease and desist letter to them. They sold the debt to Alliant Capital Management on XX/XX/2020. I never received proof of validity from either company. Alliant Capital Management called my place of employment on XX/XX/2020. I am sending them a cease and desist letter as well.
Product: Debt collection

I XXXX XXXX am writing to formally dispute the collection account reported on my consumer report under account number XXXX. I request that IC System Inc provide thorough validation of this debt.
Product: Credit reporting or other personal consumer reports

My XXXX account was settled and I am not getting credit for this, also I have a XXXX XXXX XXXX card with the limit of XXXX $ that is in good standing and it is not showing up and giving me positive results. Also my affirm account is paid and never late and it is not giving me credit for it. On here it just says I have one that is closed and that is not true. The one I have is open and paid and has never been late once. I should be getting rewarded for this.
Product: Credit reporting, credit repair services, or other personal consumer reports

For years I have disputed the existence of the inaccurate account on my credit file listed by ALLY FINANCIAL. I am the victim of identity theft. I have corresponded with this company numerous times with no positive recourse.

I NEVER had an account ALLY FINANCIAL.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate report and this is not filed by a Third-party I just reviewed my credit report and there are some hard inquires that I do not recognize XXXX XXXX  XXXX XXXX ( Bank ) XXXX XXXX XXXX ( Auto ) XXXX XXXX  XXXX  ( Bank XXXX XXXX XXXX  ( Finance ) XXXX XXXX XXXX ( Bank ) XXXX XXXX XXXX ( Finance ) XXXX XXXX ( Finance ) XXXX XXXX XXXX  ( Bank ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX