23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

This loan was with XXXX started in XXXX. Apparently they sold it to NEWREZ at the first of this year. The escrow account you Received from XXXX XXXX is not correct. Please look at the findings FINAL ESCROW ACCOUNT DISCLOSURE STATEMENT XX/XX/XXXX from XXXX Balance sent to you is XXXX Correct amount I pay each month is XXXX into escrow no payment due till XX/XX/XXXX for insurance of XXXX then taxes in XXXX of XXXX at XXXX with starting bal of over a thousand you will have to much money. 
XXXX XXXX did a ANNUAL ESCROW Account disclosure STATEMENT. ON XX/XX/XXXX. Incorrectly stating the escrow account was XXXX deficient. On this report on the back or second page is a rundown of the amounts held and due. Section 5. Please note the amount of XXXX XXXX as hazard ins was deducted from the total actual balance. YET this amount is labeled XXXX which is estimated future payment. 
So in effect a estimated future payment was deducted from the actual balance of the escrow account. This amount is not due until XXXX of XXXX. This error caused lots of time and confusion. PLEASE adjust and lets get a bi weekly payment schedule in order for the rest of this loan. OR I will pay the tax and insurance yearly myself instead of dealing with this escrow account that has been mismanaged. This was sent to NEWREZ Besides the incorrect escrow findings and amounts needed to be held, Newrez changed the amount of money that was being sent to them through my broker account. I authorized {$1100.00} per month paying principle and interest ( this included a extra {$300.00} per month toward principal ) on the loan and {$350.00} going to Escrow account. NEWREZ changed this amount without my knowledge or permission. New Rez thought because XXXX XXXX told them they needed to increase my escrow account by XXXX to keep it flush, So when they changed the amount without my permission they took the principal + interest + escrow amount and the increase in escrow amount which totaled. XXXX. XXXX XXXX XXXX. the {$300.00} I asked to put toward my principle was not included. Since the extra {$300.00} has not been put toward the loan XXXX XXXX and XXXX now XXXX I am paying interest on that money I wanted to reduce the loan with. 
I have called written e mail New Rez now 8 times over the last 3 weeks. I tried to stop the payments from my account but could only do so. I set it up in the XXXX XXXX account on line not through my bank account as that is where it came from.It is impossible to talk with them I am hoping if you can contact them and let them know I feel a incorrect accounting has occurred and I would like it straighten out. 
thank you I resorted to taking the money out of my account so they could not longer take it.I In fact they stated it was not due until XX/XX/XXXX but tried to take the money on XX/XX/XXXX. It was returned NSF which was the only way I could stop them from taking money. I have great credit and would like to keep it that way. Help!!
Product: Credit card or prepaid card

On XX/XX/XXXX I paid XXXX XXXX XXXX ( XXXX, Fl. ) {$7000.00} for a Patent Application for my invention. I found out in XX/XX/XXXX ( 1 month after they were charged ) that XXXX has been closed down and assets frozen because of " Fraud '' ( by the FTC & FBI ). They were supposed to market my invention for patent and have everything completed in 300 days from the initial transaction and they did not do this, failed entirely. {$7000.00} was paid to XXXX on my State Farm XXXX Credit Card and the remaining {$17000.00} was paid through my checking account via XXXX XXXX XXXX XXXX ( total : {$24000.00} ). I first contacted State Farm XXXX in an attempt to get my {$7000.00} refunded on XX/XX/XXXX. This was less than 60 days after I found out about XXXX being charged with fraud. State Farm Bank will not honor my protest yet I belong to a XXXX Website titled : XXXX XXXX XXXX Class Action Lawsuit and many members of this site ( who were also scammed by XXXX & CEO XXXX XXXX ) have already received refunds from their credit card companies, including XXXX card holders. All information about XXXX can be confirmed online by just XXXX  " XXXX XXXX XXXX ''.
Product: Consumer Loan

i opened a loan on a truck around XXXX 2007 it was a Colorado, XXXX truck i paid over 4 years around XXXX dollars a month i got sick and ask to refinance at this point they put it back at 6 years for XXXX dollars monthly i paid on it a year and half and i lost my father which in turn effected me greatly i started having alot of problems with the truck and it had around XXXX miles i called the credit company and told them i would turn it in and they said i had paid quite a bit of money and they understood.three months went by and some lady called and said she was investigating a stolen truck and she was with the police dept. when i told her where the truck was she hung up and i called back it was a cell.they evidently picked up the truck and auctioned it off for around XXXX dollars now all of a sudden i have this on my credit report with what i paid and auction its nearing XXXX dollars for a XXXX dollar truck please i am trying to rebuild my credit i am on XXXX please help me i did not XXXX them they made there money plus XXXX
Product: Debt collection

My previous apartment management company erroneously send me to collections over a debt that was paid on time ( I have the endorsed money order ). This document has been provided to the debt collection agency, ProCollect Incorporated, but they refuse to accept it as proof and continue to call, send letters, etc. I have filed a dispute with XXXX to have it removed from my credit report and am awaiting their decision.
Product: Mortgage

Few refinances ago, Better.com missed a communication with the transferred company, which has created a greater problem for me. 

I refinanced with Better.com for my home XX/XX/2021. XXXX had bought my older loan, and the transfer took place as of XX/XX/2021. Somehow, from my refinance on XX/XX/2021, Better missed the communication to XXXX to tell them that I refinanced and there is a new loan. The loan with XXXX is not correct. 

Now I have essentially 2 loans, one with the new refinanced loan, which is correct, but also XXXX loan ( which was transferred ), which should have not happened. 

Now XXXX is saying the loan is still valid until Better wires them money for the loan to be paid out. XXXX call me 2-3 times a day for payment for XXXX and XXXX, which is not correct per my new refinance. So, I cant do anything till Better fixes the issue. Its been over 40 days. This is something Better should have fixed, and I am having to call all parties. This is not fair or correct! 

Most recently, Better is saying they need the wire from XXXX ( the internal mortgage company ). As of XX/XX/2021, when I talked to XXXX, they said that they already wired the money to Better. Better is saying they are waiting for XXXX. 

In all this confusion, I am the financially responsible for the mistake that Better made. Which is not fair at all. I am having panic attacks and nervous break downs because, I am so scared of what could happen to my credit and finance, when it is not even my fault. I found this issue, when it should have been something Better should have taken care of. 

I still talk to them all calmly and kindly, as I only want the issue to be fixed. It is a persons life that they all are dealing with. It is not okay. If I could fix, I would, and I am trying by calling all parties, but it can only be fixed when Better pays out XXXX. I dont know when that will happen is the scary part. Please look into this matter. I can only stress how scary this is to you guys, but I am living it. Please help. I am sincerely asking for a resolution. 

I have reached out to XXXX and Better.com frequently, as well As XXXX. Both XXXX and Better say they are looking at it and expedited, but XXXX is still not paid out. XXXX says that their is still valid, which I can not do anything till Better reaching out to fix the issue. 

Timeline : Refinanced with Better.com : XX/XX/2021 ( new loan ) Paid off The XXXX XXXX ( XXXX ) : XX/XX/2021 Transferred to XXXX : XX/XX/2021 ( this should have never been transferred, as another loan has been created. 

Loan amount at a XXXX : {$230000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2016 My personal information was stolen and used to file bankruptcy. I don't know how my information was stolen, I have not given my info to anybody nor have I authorized the court reporting this to me to file a bankruptcy on my behalf. The fraudulent Bankruptcy is listed below. 
XXXX XXXX XXXX XXXX  XXXX XXXX  Filed on XX/XX/2016 XXXX
Product: Credit reporting or other personal consumer reports

Please remove/delete the following address from my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please UPDATE my address to the following address. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Please remove the following phone # from my credit report : XXXX Please update my phone number to the following XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

We have attempted to contact the bureaus regarding my previous addresses and erroneous names. I currently have reporting through XXXX my name under Also Known as : XXXX XXXX XXXX XXXX which is erroneous. They are also reporting XXXX XXXX XXXX, XXXX FL XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX that needs to be removed. XXXX is reporting erroneous previous addresses under XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/2018. As for Equifax, they are reporting erroneous addresses under, XXXX XXXX XXXX, XXXX FL XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, KS XXXX
Product: Credit reporting or other personal consumer reports

This is my numerous request 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 an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX 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

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 Number : XXXX Account Name : 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 card

XX/XX/XXXX my mother passed away. I am the executor of her estate. She held a American Express XXXX Credit card ending XXXX. The card was not recovered in her personal effects or at her residence. A collection agency ( XXXX ) was assigned by American Express for collection of an outstanding balance. XXXX Services provided all the statements for a review since the card was not recovered and suspected fraud had taken place. In XX/XX/XXXX XXXX Services was provide all the information including police report, forge signature receipts for purchases and the request made for credits issued against the account. XXXX Services forwarded all the information back to American Express for resolution. American Express assigned a case number however they have failed to make any credits to the account. Numerous letters, faxes and phone calls have failed to resolve the issue. XXXX complaint XXXX Failed to resolve issue. Attorney General XXXX complaint XXXX resulted in forwarding complaint to Comptroller of Currency XXXX XXXX. Follow on phone contact with Comptroller of Currency forwarding complaint to your office as of XX/XX/XXXX. Comptroller suggested contacting XXXX Bank whom took over American Express XXXX Credit lines. Phone Conversation with XXXX Bank confirmed that only active accounts had been transferred from American Express and they had no information available concerning the account or the account holder. Although sufficient documentation has been provided to American Express they have refused to act, or communicate effectively across departments or with the administrator of the card holders estate. I can provide all the documents that have been transpired to support the complaint. The credits in the amount of {$3700.00} be paid back to the XXXX Trust request has been made several times, but American Express has continued to fail to act for an extensive period of time.
Product: Credit card or prepaid card

Wells Fargo has engaged in discriminatory practices by age, disability & financial status disallowing everyday checking accounts deposited and funded online with a XXXX check - Company has requested my personal information when they already could have dealt with the response- They have repeatedly sent physical mailings demanding I come into a branch! 


Some of us are antisocial and don't like having to talk to someone over the phone or in a branch. 

Stop this behavior & reflect on your autographs
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Virginia XXXX Date of Birth : XX/XX/XXXX SS # : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX, PA XXXX XX/XX/XXXX Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : 1. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 

Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

American Express is reporting misleading information on my credit report. I have been disputing this inaccurate account for months now and they keep reporting it, which is harming my ability to get an apartment for my children. I feel taken advantage of and as a consumer in law this is grounds for me to get compensated for these violations.
Product: Debt collection

XX/XX/XXXX XXXX XXXX XXXX. 

Frequent calls, usually 10-15 per day from numbers that were all different. The call back number they left me on a written letter was a number for a " you just won a {$100.00} XXXX XXXX gift card '' number. ( XXXX ) They are claiming to be collecting a debt from XXXX which I have researched both XXXX and this collection agency and the collection agency has multiple cases filed with the BBB as a scam. They are also affecting my credit score with XXXX as this is not the first time they have called me or sent me mail. They often call after well before buisness hours with the latest call being at XXXX XXXX. 
The amount they are attempting to collect is {$2800.00} and stated on the letter sent in the mail via USPS that the amount was due in full by XXXX XXXX 2017. Also the address the document attached below was sent to is not my address.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act. The lists of accounts below and has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 

Account Name : XXXX XXXX Account Num : XXXX Account Name : XXXX XXXX Account Num : XXXX Account Name : XXXX XXXX Account Num : XXXX Account Name : XXXX XXXX Account Num : XXXX Account Name : XXXX Account Num : XXXX Account Name : XXXX XXXX XXXX Account Num : XXXX Account Name : XXXX XXXX XXXX Account Num : XXXX Account Name : XXXX XXXX XXXX Account Num : XXXX Account Name : XXXX XXXX  of XXXX Account Num : XXXX  Account Name : XXXX XXXX XXXX Account Num : XXXX Account Name : XXXX XXXX XXXX Account Num : XXXX Account Name : XXXX XXXX XXXX Account Num : XXXX Account Name : XXXX XXXX Account Num : XXXX has violated my rights .

15 U.S.C 1681 section 602 A states I have rights 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 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: Credit reporting, credit repair services, or other personal consumer reports

LexisNexis/ ( Report # XXXX Case # XXXX ) refuse to remove inaccurate information from my credit file such as the wrong name XXXX different address 's that does not belong to me. they are also reporting a public record that is inaccurate and can't be verified. I have contacted LexisNexis and disputed the inaccurate information. LexisNexis responded with a written letter saying that they verified the information with XXXX and it was accurate, however the name that they are reporting is not my name nor did I reside at the address 's on my consumer file. XXXX XXXX XXXX is not my name XXXX is not the last four digits of my Social Security Number. 

XXXX ( Report # XXXX ) Refuse to delete inaccurate information such as the wrong Name, Social Security Number, and! XXXX different address 's i never resided at. I have contacted XXXX and filled disputes on the Identity mix up. They responded saying the information was verified and accurate, but it's not the name my parents gave me nor is it my Social Security Number That was assign to me. XXXX XXXX XXXX is not my name and XXXX is nit the last XXXX digits of my Social Security XXXX. 

XXXX ( Report # XXXX ) Refuse to delete inaccurate information from my credit report such as Public Records that they refuse to verify. I have disputed the information and they responded in a written letter saying that the information was verified through LexisNexis and it was accurate. They also have XXXX different address 's on my credit file that has nothing to do with me. I filled a dispute letting XXXX know that it was Identity theft that occurred between XXXX I received a written notice saying the information was verified and accurate. They have used their power to report misinformation on my credit file. 

XXXX ( Report # XXXX ) Refuse to delete inaccurate information on my credit file. They are reporting debts from XXXX XXXX that was verified as inaccurate and removed by XXXX, XXXX stats that the debts were verified as accurate. They are also reporting a Public Record on my credit file that they refuse to verify, and give me the information they did verify. XXXX has XXXX different address 's on my credit file that they claim are verified as accurate, I have never lived at the address 's and sent proof to all XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked Alliant Credit Union in XXXX for a loan online, and they told me that they would not perform a hard credit pull only a soft one, and then they did a hard credit pull that appeared on my credit report. I did not authorize the hard credit pull for them to make this inquiry. I would like their inquiry on XX/XX/2023 removed. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these items to be taken out in my name nor do they relate to anything I did. I'm unaware of any of this. All is being investigated by the FTC.
Product: Credit reporting

Equifax , XXXX & XXXX are showing a public record ( legal item ) of {$5100.00} as of XX/XX/2016. That record has been dismissed via the XXXX County Court Reference Number XXXX. Needs to be removed from all XXXX credit reporting agencies immediately, this has been dismissed by the magistrate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I made a payment on XX/XX/XXXX which is being reflected on my account but XXXX wouldnt report the payment and the lower loan balance to the credit bureaus. I have disputed the details of my account and they still did not correct it.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. 
Account name : XXXX I do not recognize these accounts and reported fraudulent accounts to FTC. 
I demand a Method Of Verification to verify the source of information. This account is reporting as a charge-off and Ive had no 1099-c presented as well.