23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I am exempt from paying property tax as I am a 100 % service disable veteran. I received the exemption approval from my city on XX/XX/XXXX. 
- XX/XX/XXXX I spoke with XXXX regarding the tax exemption and XXXX regarding my escrow account. All requested documents were faxed to Ditech at XXXX XXXX XXXX XXXX. 
- XX/XX/XXXX Ditech confirmed they received my documents and was told my tax liabilities were zeroed out of my escrow account and wait 7-10 business days for an escrow re-analysis. 
- XX/XX/XXXX Ditech paid my winter XXXX taxes without receiving a bill. My exemption was approved by the XXXX of XXXX and a winter tax bill was never mailed to Ditech. The XXXX of XXXX mailed a refund check to Ditech in the amount of {$480.00} on XX/XX/XXXX. 
- XX/XX/XXXX I spoke with XXXX and was informed that the tax department zeroed out my summer taxes but not my winter taxes. She said she resubmitted the request to reflect a 100 % property tax exemption on my account and should be resolved by XX/XX/XXXX. XXXX tax refund check not showing in their system. 
- XX/XX/XXXX I spoke with XXXX who stated that my account was still under investigation. I requested to speak with the tax dept, the escrow dept or a supervisor and was denied. She said all I could do was wait. 
- XX/XX/XXXX I spoke with XXXX Stated my escrow account was still wrong even after last investigation. He opened a new investigation but once again I was denied the opportunity to speak with the tax dept, escrow dept or a supervisor to attempt to resolve issues. 
- XX/XX/XXXX I spoke with XXXX where I requested to speak with a U.S. customer service representative. Someone who had the experience and knowledge to go over my still inaccurate escrow account. 
- XX/XX/XXXX I was transferred to XXXX who said she was from the tax department. She stated they received the winter tax refund check in the amount of {$480.00} but it has not been sent to Ditech as of yet. I was advised to wait until I see the refund detailed on www.ditech.com. Once I see the refund, call them and request another escrow re-analysis. 
- XX/XX/XXXX I spoke with XXXX who stated they did receive the winter tax refund check and I was advised to wait another 7-10 business days for a yet another escrow re-analysis. 
- My escrow account is showing that I owe {$20.00} when in actuality Ditech owes me {$1500.00}. 

All of this has put a financial burden on me as my escrow payments were increased which in turn increased my monthly payments for the months of XXXX XXXX, XXXX XXXX and XXXX XXXX. I have been paying {$910.00} when my correct payments should be {$620.00}.
Product: Mortgage

We are struggling to keep our home and avoid foreclosure, we have had a series of hardships including 3 natural disasters ( hurricane Matthew, hurricane Irma, hurricane michael ) the only income I have is XXXX social security but Wells Fargo is refusing to recognize the income in violation of the FHA ( fair housing act )
Product: Credit reporting or other personal consumer reports

According to 15 U.S. Code 1681, Congressional purposes, it is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personal, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. There exists an obligation for the credit reporting agencies to conduct themselves in a manner that is fair and equitable to me. The continuous reporting of such information deems an improper utilization of my information which directly conflicts Congressional purposes and reasonable procedures. Prove that I received a delivery of goods ; come to my home and search for the goods they say I received possessions of goods of or come and see my computer or tap into my bank account so you can see what these alleged possessions are as is the requirement under 15 U.S. Code 1681 c-2 ( 1 ) ( C ). Please prove this! Hearsay is not admissible. This is according to the federal rules of procedure and evidence! Therefore, these accounts must be removed. You can not lawfully prove that I received a delivery of good, services and money. These accounts are not related to transactions by me, the consumer, therefore, as a result of this identity theft these accounts must be removed and blocked.
Product: Credit reporting or other personal consumer reports

It has been drawn out that Credit Bureaus 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. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I need my video recording and transaction times for everything when I called and realized it was a scam, advised I believe I was scammed, and when the money initially went through. I don't think that is very hard to get, yet Wells Fargo is making is beyond difficult.
Product: Credit reporting, credit repair services, or other personal consumer reports

After submitting a request to Equifax on XX/XX/2019 to freeze & add fraud alert on my credit profile. As of today XX/XX/2019. The company has yet to respond to my request. This is a violation. 


In addition, XXXX XXXX XXXX XXXX still reports as verified even though the information being reported is inaccurate and a violation of FCRA. 

XXXX XXXX XXXX  XXXX- currently reports a reaged account. This is a violation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Bottom line is my credit has unjustly been damaged. My house payment originated with XXXX  XXXX XXXX, then we went bankrupt ourselves in XXXX, and the house was " NOT '' reaffirmed, so they stopped reporting immediately, then XXXX took over, always asking if our intention was to keep the home, ( it was ) in all correspondence. Then XXXX got the mortgage, they honored the law, and didn't report either. But when XXXX XXXX too over, unbeknownst to me, started reporting me, and stated " they weren't told '' about the bankruptcy??? So even last week, synchrony refused to reinstate my credit line, my score has crept up a little, since it, thru dispute, was finally removed, but the damage still lingers as my score is in the low to mid 600 now. 

On about XX/XX/XXXX XXXX took over, from XXXX. The letter from XXXX 's bankruptcy people stated not to send a payment, so we didn't, and when we got a letter from XXXX they stated we were 2 months behind, we sold, and paid off, our house following around XX/XX/XXXX and by then it showed 3 months behind. That remained unchanged, not showing paid, not removed, or at least corrected, for about 1/2 a year. We began contacting them, early XXXX with them promising a correction. But they never did correct it. 

Synchrony has lowered and closed all of my credit lines. XXXX has lowered my line. XXXX has lowered my credit line. My score dropped to the low 500 's from high 699 700 's. 

The credit bureau 's have finally removed last month ( late XXXX ), after a lengthy dispute, worsened by temporary Covid delay, but my score and credit lines are still severely damaged, due to lowered, and closed credit lines, affecting my credit utilization. 

Bottom line is, House the house was " NOT '' reaffirmed, so this should have never happened.
Product: Credit reporting or other personal consumer reports

XXXX XXXX falsely reported to the 3 Major credit bureaus ( XXXX, Experian & XXXX ) that I was late in paying them and that I did not pay my last bill. XXXX XXXX took money out of my account that was not correct and promised to issue me a refund and provided a refund reference # XXXX and did not adhere to there promise. XXXX corporate office has made unethical aggressive attempts to ruin my credit profile by submitting false information such as me being late on payments and not paying. My XXXX XXXX account was cancelled back in XXXX of XXXX. XXXX XXXX was paid the amount {$680.00} they alleged on XXXX through auto payment. My account with XXXX was Voluntarily closed in XXXX of XXXX. XXXX mission to intentionally ruin my name because I cancelled service with them. Despite efforts for them to pull calls and provide proof they have relied on their system errors and has proceeded to report false information to all 3 major credit bureaus. They have also sent my personal information without my permission to a Third Party Collections Agency XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, NJ XXXX. This is concerning because this company operates in XXXX but uses a US address as a cover up. XXXX XXXX refuses to provide me employee # s or full names for my record. They will only provide me first name and reroutes my calls to collection agency. I have reported there unethical practices to FCC and FTC and have made numerous attempts to prove to them they are wrong with the information they have. I have sent dispute letters to the 3 major credit bureaus.
Product: Credit card or prepaid card

Date : XX/XX/2017 Description : XXXX closed my credit card account yesterday without giving me a reason. I was so shocked because i do treat my first discover credit card as a treasure.I keep using it very carefully, such as making payments in time, never had a late payment. Right now my credit limit is {$2500.00}, and i always keep my balance under {$1000.00}. So i really have no idea about why the company closed my account. My FICO is XXXX, i ca n't see any reasonable facts to close my account. 

Thanks a lot!!
Product: Credit reporting or other personal consumer reports

I reported that this account was opened fraudulently. I set a copy of a XXXX report and neither company took it seriously or into consideration. On my XXXX report, there is a duplicate account on my report. The account reporting is incomplete and this is a fraudulent account. Living in a college town such as XXXX after the pandemic left many people XXXX. XXXX and younger adults would do anything including miss using someone's information.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 at XXXX I requested a credit line increase from CITI on my credit card ending in XXXX. At the time of the request it stated " We will not obtain a credit bureau report to your request. XX/XX/2019 XXXX I received a email from credit karma telling a hard inquiry was just pulled on Equifax . I looked at my Equifax credit report and it showed Citi had pulled my credit report without my permission. I called Citi XX/XX/2019 at XXXX spoke to XXXX who said they wouldn't do that. I asked to speak with a supervisor, was told one wasn't available and I would get a call back. I never did receive a call back. Citi has no right to pull my credit report without my permission and I never gave them permission.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to 15 U.S. Code 1681c2 that you the consumer 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. This fraudulent, inaccurate and false information consist of 2 personal credit card accounts. A XXXX XXXX account was opened in XX/XX/XXXX ( ACCT # XXXX ) for {$730.00}. A XXXX XXXX XXXX in XX/XX/XXXX ( ACCT # XXXX ) for {$970.00}. An auto loan in XX/XX/XXXX with XXXX XXXX ( ACCT # XXXX ) for {$12000.00} and a personal loan from XXXX XXXX  in XX/XX/XXXX ( ACCT # XXXX ) in the amount of $ XXXXThese accounts have resulted in several fraudulent chargeoff accounts being reported to my FICO Consumer Report. Ive attached a list of all the fraudulent accounts on my credit report. The aforementioned accounts, chargeoffs, that are on my credit report I do not recognize. These accounts werent opened, made or initiated by me. All these accounts are the results of identity theft and fraud. I have attached a copy of the FTC ( IDENTITY THEFT CRIMINAL COMPLAINT ) case # XXXX as proof from the U.S FEDERAL TRADE COMMISSION that all the aforementioned accounts are the results of fraud.
Product: Credit reporting or other personal consumer reports

Deducted XXXX points from my fico score for late payment that was there in error. for XXXX XXXX change status but Credit Bureau did not give me my XXXX points back on my fico score in accurate information. They still will not give proper points back reading wrong across all credit bureaus.
Product: Credit reporting or other personal consumer reports

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

Account does not belong to me. 

Account Name XXXX XXXX XXXX XXXX Account Balance : {$850.00} Account Number : XXXX
Product: Checking or savings account

I opened a checking account online at Citizens Bank on XXXX and transferred funds from another banking institution to Citizens Bank. On XXXX, I received 2 emails from Citizens Bank acknowledging that ( 1 ) bank account was opened ( 2 ) that funds have been successfully transferred to Citizens Bank. I could not log in nor access Citizens Bank checking account. On XXXX Citizens Bank sent me another email stating that my account could not be funded and that funded accounts are subject to closure. This was a blatant lie from Citizens Bank as funds were transferred and deposited into Citizens Bank as prior email sent to me from Citizens Bank stated funds were successfully transferred to Citizens Bank. On XXXX and XXXX I contacted customer service at Citizens Bank for assistance. Customer service nor claims department at Citizens Bank could access my account despite providing account number, name, address and social security number to them. Communications from customer service at Citizens Bank said I need to contact financial institution funds were withdrawn from as it is an issue on their end. Citizens Bank said they could not further assist me with the new checking account due to limited access to account. This is terrible customer service/client relationship communications. Customer service could not locate newly opened account from their computer as customer service stated account was under review and pending despite information communicated in this complaint. Citizens Bank opened account, sent debit card and received debit card, I deposited funds into account, yet Citizens Bank would not provide access nor any information regarding this account. I believe this is sub-par customer service and this is terrible for Citizens Bank to treat customers in such a manner. Citizens Bank needs to be sanctioned for their actions.
Product: Credit reporting or other personal consumer reports

Attn : Early Warning XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX To Whom It May Concern, I received a copy of my XXXX record and I have found several inaccuracies in the report. 

Inaccurate Reported Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX, is not mine and i was never associated with this address. 

Inaccurate Reported OVERDRAFT from XXXXXXXX XXXX ; XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX, is not mine and i was never associated with this bank account. 

Inaccurate Reported Inquirer : XXXX XXXX ; XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX Phone Number : XXXX On Behalf Of : XXXX XXXX In detail, you recorded that I had non-sufficient funds with XXXX XXXX  on or around XX/XX/year> principal loss XXXXXXXX XXXX  account stat account abuse. I am disputing this record because I believe it to be inaccurate because I am a victim of identity theft. Please request evidence of this unresolved outstanding negative record from XXXXXXXX XXXX  and investigate this item for me. 

I understand that your repository is required by law to begin an investigation for me because you are a credit-reporting agency and must follow the Fair Credit Reporting Act. I await your results. 

Kind regards, XXXX XXXX XXXX XXXX XXXX XXXX ss # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear, CFPB violations stated Below probably forgot something From XXXX XXXX XXXX Carvana did approval application XXXX XXXX-talked to XXXX XXXX he hates rights lied said he rhe owner -approved online XXXX XXXX approved XXXX XXXX - approved XXXX XXXX - approved Deceptive Trade Practices Act violations I already put in my credit application I was approved each time XXXX $ down payment like the Law states each company tried to extort me out of funds that's not required I state my consumer rights and can't finish my deal happened with each company purchased already happened have the orders and contracts gone through I'm confused i had delivery dates they let pass by I let each company know I have a family and we need a automobile for transportation to work to support our family and the economy I want my consumer rights protected sorry if I'm causing I problem with the fraud these corporations want to commit against the consumers they called and told each other I was trying to get an automobile lied about the amounts I was getting Financed, pursuant title 12 CFR 1026. And title 12 CFR 215 Truth in lending Title 15 U.S.C 1605 Determination of finance charge " the sum of all charges " payable directly or indirectly by the person the credit is extended and imposed directly or indirectly by the creditor as an incident to the extension of credit. The finance charge does not include charges of a type payable in a comparable cash transaction the finance charge shall not include fees and amounts imposed by third party closing agents means everything included in the financing charge we doing an consumer credit transaction per U.S.Code of Law even my premium Id like progressive XXXX XXXX XXXX Truth in lending Title 15 U.S.C 1605 Determination of finance charge " the sum of all charges " payable directly or indirectly by the person the credit is extended and imposed directly or indirectly by the creditor as an incident to the extension of credit. The finance charge does not include charges of a type payable in a comparable cash transaction the finance charge shall not include fees and amounts imposed by third party closing agents means everything included in the financing charge we doing an consumer credit transaction per U.S.Code of Law even my premium Id like progressive insurance if possible under the Consumer Protection Act Title 15 U.S.C 1662 no advertisements to aid directly nor indirectly installments or downpayments credit transaction failed to conduct a reasonable investigation pursuant to Federally Protected Consumer Rights notice of The violations i assert and atest single cause of action stimming fromnumerous and multiple willful, reckless or negligent violations of the FCRA ECOA TILA, and seeks actual and statutory damages pursuant to title 15 of the U.S.Cod ... against the law they made me get multiple unknown inquiries on my credit profiles after I was already approved they shopped and shipped my information illegal with my authorized nor consent pursuant titles 15 usc 1691c 15 usc 1692k 15 usc 1642 15 usc 1681m 12 Cfr 1002 12 Cfr 1002.7
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act. This creditor has violated my rights under 15 USC 1681 sections 602, which states i have a right to privacy.15 USC 1681 section 604a section 2 it alsostates that consumer reporting agencies can not furnish a without my written instructions. Under 15 USC 1666b, a creditor may not treat a payment on a credit card account under an open and consumer plan as late for any reason. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of XXXX XXXX XXXX  and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.
Product: Checking or savings account

I received a bank statement XX/XX/XXXX ( my prior name in XXXX and earlier ) for an account I did not open. I have never used TD Bank either. When checking XXXX, there was a notification that the account was opened on XX/XX/XXXX. I did not open this account. 

I tried to reach TD Bank but after waiting over an hour there was never any response. The closest branch is over an hour away to visit in person. 

This account was opened fraudulently and TD Bank reps are not reachable.
Product: Credit reporting, credit repair services, or other personal consumer reports

WEST CREEK FINANCIAL DBA on my credit report says I owe XXXX for a car. I've not had any vehicles that cost the original loan amount of XXXX think someone has bought a car with my information because this isn't right. Last car I had was a XXXX XXXX XXXX  for XXXX this definitely isn't it. Please help me fix this. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently submitted a request for an investigation of the disputed accounts, which you claimed were verified. Since I believed you didnt properly investigate my dispute, I contact the data furnisher on the previous month via certified mail. They were responding proving to me that I was correct. Your records show that it was incorrect. Since your investigation was done improperly, I need you to correct the accounts from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

DID NOT AUTHORIZE OR NOR CONSENT TO THE FOLLOWING INQUIRIES BEING FURNISHED ON MY CONSUMER REPORTS! XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX.
Product: Student loan

I started school with XXXX in the program of CDD which was computer aided drafting and design. The school had tactics that lied to me. Stating that they were only taking part of what was in the loans because financial aid would cover the rest. They took all the loans for all the period I was with them. I never saw any of the paperwork that we 're getting me to sign. They would make me sign it or I could n't attend classes. I graduated in XXXX of XXXX, started in XXXX of XXXX. Can not get a job in the career I studied. And now can not refresh my studies like they promised to be able to try to get a job in my career. All products were highly outdated. School teachers did n't even have the credentials to be teaching. I even taught a class in their teachers absence because I had good knowledge and a XXXX gpa in classes. The loans are a joke. The initial loan was a little over {$25000.00}, now it 's over XXXX just interest has doubled it. I have made payments when it was XXXX XXXX, but then they changed to navient and they show as if I have never made a payment to them. I 'm sick of being harassed about deferment, because I ca n't get a job in my career.