23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I have contacted Mr Cooper by phone XX/XX/XXXX, XXXX, complaining that I am tax exempt and am being overcharged for my escrow. I have also lodged an online complaint through the company providing proof of tax exemption. Their response was to tell me that my escrow is under funded and the mortgage increase from {$610.00} to {$850.00} will stay. I also pointed out that they state they receive tax documents automatically from the state and I have also provided documentation and still they increased my monthly payment over 40 %.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion and XXXX continue to report inaccurate info on my bureaus the following accounts are a result of identity theft and should be remove immediately XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX firstly the addresses that the accounts are reporting I never lived at those addresses XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX and XXXX XXXX XXXX # XXXX XXXX IL XXXX the name that the accounts are under XXXX XXXX I did not authorize him to st up any accounts under my social security number. I need these accounts removed immediately I have reached out to the four companies several times asking for a signed agreement between myself XXXX XXXX XXXX and the mentioned companies none of them were able to provide a signed written agreement. I need these accounts removed immediately or I will be obtaining legal counsel for a lawsuit.
Product: Credit reporting, credit repair services, or other personal consumer reports

AMEX XXXX Date of last active XXXX There are many errors within this listing. Please check the High Credit, Date of Last Activity, Payment History, Credit Limit and remove immediately or I will pursue further actions. 
AMEX XXXX -Evaluate this reporting by making a revision on the information provided. Modify and perform any corrections or withdraw this from my personal file. 
AMEX XXXX-You are allowing an inaccurate history of this account to be reported. Please investigate, gather documentation proving accuracy, or delete this from my credit report.
Product: Checking or savings account

Wells Fargo banking XXXX XXXX XXXX XXXX. 
I closed my account back in XXXX  moving forward I has been getting hassle with debt people for years I found out my personal information was compromised by these people.
Product: Credit reporting or other personal consumer reports

I notice an account on my credit report that I didn't authorize from HERTG ACCPT last reported XXXX XXXX. Reported balance {$16000.00}. I tried to dispute it through XXXX I never got a response.
Product: Credit card or prepaid card

A bad actor used our stolen identities to obtain four credit cards : two in my name and two in my wifes name. Synchrony Bank received our real names and phone number on the fraudulent application. Because I am the only person on the planet with my name and my wife is the only person on the planet with her name, Synchrony Bank could have found us with a two-minute internet search. But thats beside the point. They already HAD our contact information. Had they contacted us the fraud would have been prevented. Instead we got stuck cleaning up the mess when the bad guy went on a spending spree and burned countless merchants. 
Synchrony Bank has taken no responsibility for failing to do its due diligence to ensure that the applications were legitimate. I think its criminal that banks are held harmless when they fail to verify who a credit applicant is.
Product: Credit reporting, credit repair services, or other personal consumer reports

Notice to Experian CEASE & DESIST FROM REPORTING THE FOLLOWING TO MY CREDIT REPORT I have not given you permission to put this on my credit file, Remove within 5 day. 
or futher actions will be pursude I tried to open up a bank account and you have my social security blocked Cease & Desist from blocking my social so I can apply for a bank account. I never gave you permission to do this. 


Remove the following stament from my credit report within 5 days. XXXX & XXXX XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY XXXX OR EVENING XXXX. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was sick in the XXXX  with XXXX for 2 months and immediately upon discharge I contacted XXXX and made payment arrangements and was told by 2 different customer services reps on 2 different dates with the last date being XX/XX/22 where I was advised that even though I was in the XXXX with XXXX that the CARES act did not apply to them and I could not get a deferment. I made arrangements to bring my account current and was told that I would not get a late payment and I would not be charged late fees. I was given both immediately after! I called back and asked the manager to review both calls which she did and said that would provide better training for staff but would not rectify my situation. I disputed with all credit reporting agencies. XXXX DID NOT do a thorough investigation I disputed on XX/XX/22 and on XX/XX/22 it responded with verified
Product: Credit reporting, credit repair services, or other personal consumer reports

The information being reported is incorrect and should be deleted and or updated : XXXX XXXXXXXX  Account number XXXX XXXX XXXX XXXX Account number XXXX XXXXXXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX Account number XXXX XXXXXXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX Account number XXXXXXXX XXXX XXXX Account number XXXX XXXX Account number XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have repeatedly sent Identity Theft Reports and Delete letters along with the 605B letter to XXXX, transunion, and XXXX, to remove account : XXXX XXXX XXXX under account number : XXXX.
Product: Vehicle loan or lease

I was up charged a high interest initially when getting my car loan, and also charged high interest on fees.
Product: Credit card

i have a chase british airways card. applied and was approved in XX/XX/2024 the annual fee was just charged but not yet due. I recived an email from chase saying the account is being closed with no explanaiton why. I tried to get an explanation and the rep just said they dont have to give a reason. they did remove the annual fee from being due however this card is on my credit report as being closed and has an impact on my credit score. i then told them since they closed the account even before the first annual fee was even made they need to delete the account completly from my credit report. they refused. they wont provide a reason as to why they closed it and refuse to delte the account. so now i have a account with less than 1 month old showing closed. i dont know if they are made a business decision to simply looking to close older americans accounts and hide behind the we dont have to provide a reason why to hide their dieciminatory tactics
Product: Debt collection

Condo was returned to BofA in Chapter XXXX BK discharged XXXX XXXX, 2013. XXXX XXXX bought a pachage of properties from BofA has has been sending collection letters, phone calls and refuses to tell XXXX County Assessor that the condo is NOT owned by me
Product: Debt collection

I received the following voice mail : Hi, this is XXXX XXXX. XXXX just need you to give XXXX XXXX a message and have her call me back at the XXXX  office. XXXX. Thank you. '' I have no idea who XXXX XXXX is and was incredibly confused as to how they knew my name and phone number. Nowhere in that message did they mention Tower Loan. Therefore I felt I was led to believe/lied to, that it was an inoffensive message maybe related to a doctors office. Why did the Tower Loan agent say that she was calling from the XXXX  office? That is misleading. 

When I called I did not want to share any information with XXXX XXXX because I did not know who she was nor where she was calling from. She asked for my name and my relationship with XXXX XXXX and when I hesitated she berated me and told me that if I didnt cooperate with her I would not get the information that I needed.
Product: Checking or savings account

I live in California, where XXXX and Paid Family Leave is contracted through Bank of America. We receive a debit card that can be set up to receive the payments and directly deposit them into our personal bank accounts. The State of California deposited my final 2 payments onto my Bank of America debit card, but only one of the payments was deposited into my bank account. When I called Bank of America ( XX/XX/17 ) to clarify why they had n't deposited the other {$3200.00} into my bank account, I was told by a representative that I had exceeded the amount that can be transferred in a 7 day period. I then asked if there was anything I needed to do in order to move the remaining balance over and was told that the remainder would automatically be moved over in 7 days. I clarified that there was NOTHING that I needed to do in order to move this money over and was told that there was not. After 11 days, the money still had n't been moved over. I called Bank of America ( XX/XX/17 ) and was told by a different representative that the money was still in my Bank of America account and would not be transferred automatically- rather, it had to be done manually. I asked for clarification and was told that the system does not check for remaining balances that need to be moved over- it only triggers the system to move it over when it is deposited into the account. The only reason I knew that there was a remaining balance is because I was personally keeping track of how much money I was owed through PFL. Otherwise, the money ( over {$3000.00} ) would remain within Bank of America rather than being transferred to my bank account.
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When I told my husband what happened, he checked his Bank of America account ( he is on PFL for XXXX leave ) and had almost {$2000.00} in his account that similarly had to be transferred manually. He would n't have kn
own to transfer this unless he had called to find out his balance.
Product: Credit card or prepaid card

On or around XX/XX/19 I made a purchase at SAMs club in XXXX SC. The cashier informed me that I was selected to receive {$45.00} offer my purchase. I ask the cashier several times and two of the assistance was this offer involving a credit card or any other promotion and all of them ensured it just was a random selection and all I had to do was sign a form and provide my XXXX card and SS # to verify who I was. Immediately after the transaction was made I went to the service desk to inquire concerning the promotion and this when I was informed I had signed up for a credit card. I notified the Store manager and he called the credit card company and had them to terminate the transaction because I told him it was a fraudulent promotion because his cashier emphatically denied this was not a credit card application or promotion. I have received a letter from Synchrony Bank refusing to have the inquiry removed from my credit history. I am total disappointed because SAM employees are misleading people and I definitely feel this a SCAM. Sam need to put out a disclaimer informing their customer what the real intent of the {$45.00} reduction if for. Therefore, I feel this inquiry should be removed from my credit file before the 25 months stated need to be in place before it can be removed. Needless, to say I offered to pay SAM the {$45.00} discount and the store manager decline to accept the payment because of me being misinformed.
Product: Credit reporting or other personal consumer reports

15 U.S. Code section 1681C-2, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from alleged identity theft, no later than four business days after the date of receipt. This company is in violation of this law because I am a victim of identity theft. Please delete these items as soon as possible : XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please delete these incorrect personal addresses and names : 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 A, XXXX XXXX, XXXX XXXX XXXX.
Product: Credit card or prepaid card

Hello the reason I am writing this letter is because I was impacted by XXXX on XX/XX/2021, to the point where I lost my job and I felt into a financial crisis, I had to put my Mortgage into Forbearance for a full year. Due to this financial crisis after being impacted by XXXX, I called to explain ( Capital one ) that I was impacted financially, and I asked them to help me through this process, but they never offer me any Aid option for financial hardship, they were clear all the time that if I don't make payments on time they were going to report my account late to credit bureau , and that's what they did. I am so disappointed with Capital one policy, if you check my payment history you can see I was always on time since day one with my credit card, til I was impacted by XXXX XX/XX/2021. This account had a balance of {$1500.00}, and with continues late charges it went up to {$2000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX has changed my payment history. The information is incorrect. This information should be removed immediately. They have reversed payment history from 5 years ago, which had negatively affected my credit score. XXXX XXXX is reporting inaccurate information. 
Also, XXXX XXXX has no written permission from to your furnish this account on my credit report. According to the fair Credit Reporting Act, I have a right to privacy.
Product: Credit reporting, credit repair services, or other personal consumer reports

RE : You Violated the United States Code Law ( TILA 15 U.S. Code 166XXXX ( b ) billing error ) Recently I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor. 

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. 

As i know the creditor didnt notify me 21 days before with a statement so there should be no late payments on this accounts. I demand to see hard solid proof from the creditor bank account that i didnt pay and was marked late because this clearly a billing error. 

The items below should all be updated to paid as agreed on my consumer report. 

1. Under 15 USC 1666B this is a billing error always payee as agreed on time this is an error this account in violation XXXX XXXX Account Number : XXXX PLEASE DELETE LATE PAYMENT AND DEROGATORY REMARKS. THIS IS PAID PLEASE UPDATE THIS ACCOUNT TO POSITIVE AND MAKE ALL information reporting is accurate as required by FCRA 623 ( a ) ( 2 ) ( B ) 2. UNDER 15 USC 1666B THIS IS A BILLING ERROR I ALWAYS PAID AS AGREED ON TIME THIS IS AN ERROR THIS ACCOUNT IN VIOLATION XXXX XXXX Account Number : XXXX PLEASE DELETE LATE PAYMENT AND DEROGATORY REMARKS. THIS IS PAID PLEASE UPDATE THIS ACCOUNT TO POSITIVE AND MAKE ALL information reporting is accurate as required by FCRA 623 ( a ) ( 2 ) ( B ) 3. You are in VIOLATION of the 15 USC 1666B. This is a billing error always paid as agreed on time this is an error this account in violation. 
XXXX XXXX Account Number : XXXX PLEASE DELETE LATE PAYMENT AND DEROGATORY REMARKS. THIS IS PAID PLEASE UPDATE THIS ACCOUNT TO POSITIVE AND MAKE ALL information reporting is accurate as required by FCRA 623 ( a ) ( 2 ) ( B ) As a consumer by law these accounts on this letter must be updated or deleted immediately or I will seek monetary compensation for violation of my rights in small claims court in my city and state under 15 USC 1681n civil liability because Ive been violated. Also, we already involved and sent this letter to the Complaint portal for ( Consumer Financial Protection Bureau, State Attorney Generals Office, XXXX XXXX XXXX, and Federal Trade Commission ). 

Sincerely yours, XXXX XXXX
Product: Mortgage

Forced placed insurance. Insured AS if single family residence is here. The truth is there is a building here, never WAS a single family residence, abandoned 40+ years with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX all over. Nobody lives inside, property tax bill even says XXXX for value of structure, improvements and personal property. They dont listen they go by a real estate agents ad, and then sent an inspector who lied on the report claiming the structure has city water ( not even available at my address ) and city gas ( not available ). He didnt even look at the address in the building. 
Didnt take pics more than 100 feet away, and basically lied. Ive been trying. To deal with it for like a year and half maybe 2. They also paid ( without me authorizing ) some back taxes even tho I still had two years before any adverse action would occur, now tacking it on my monthly payment. Went from XXXX bucks to XXXX. Cant pay. Over charging for insurance. Fraud. Fraudulent inspection too. Plus I told them Id make a payment when they get the insurance correct- but they still reported a late payment to credit reporting agency. Despite presence of billing dispute. Im sick for these XXXX. I have tons of emails and photos, please ask for them In an email, I do not have them on this device thanks
Product: Credit reporting or other personal consumer reports

I Have reached out to all 3 Credit Bureaus and they have given me the run around I have sent in my FTC report in months ago here are the inquires and accounts that need to be removed Immediately. 

Account Name and Account number XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

LVNV Funding LLC XXXX XXXX Resurgent Capital Services XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX RE : Debit Validation Request- To whom it may concern : Collection Agency Representative I am writing to request validation of the debt you are attempting to collect from me. I have recently pulled my credit report and noticed that there is a collection listing from your agency. 

I have never been notified of this collection action of that I owe this debt. 
This letter is to inform you that I have the right to request a validation of this debt and your ability to collect this money. From me. I ask that you prove that I am indeed the party who is contractually bound to pay off this debt or stop collection activity and remove it all together. 

Pursuant to to the Fair Debit Collection Practices Act ( FDCPA ), 15 U. S. C. 1692, I am requesting that you provide me with the following information to validate this debt. 

Please attach copies of the following documents : Agreement that you have authority to collect on this alleged debt. 
Agreement that bears signature of the alleged debtor with promises to pay the original creditor. 
Complete payment history on this account to prove that the amount you wish to collect is correct. 


Sincerely,
Product: Debt collection

I paid XXXX XXXX  to remove this from my account it's still showing me all the way back from XX/XX/XXXX! I paid sometime in XXXX in XXXX to XXXX XXXX.
Product: Vehicle loan or lease

XX/XX/XXXX : Purchased vehicle from XXXX XX/XX/XXXX : I was behind on a payment. Santander Consumer USA contacted my grandparents ( not a reference ). They compromised my information by providing the amount and the time I was behind. ( They assumed it was me on the phone due to not clearly hearing due to connection. They did not ask for any other information verify it was me they were speaking to. ) I contacted the company and my complaint was sent to several different levels of the company. XX/XX/XXXX/XX/XX/XXXX : I spoke with the VP of The Office of the President, where he set me up on a financial assistance plan for 6 months. This would lower my interest rate, but extend my contract to eight years. This did not lower the amount contracted. It only gave me assistance for a few months. XX/XX/XXXX : I am behind on a loan. I called to seek assistance, which a manager granted, if I would pay {$200.00}. The assistance would push two months payments to the back of the loan, allowing me to become completely caught up ( when I recieve regular paychecks again ). When I called the next day, the company would not honor the request and said I needed to pay more.
Product: Debt collection

central state recovery is trying to collect a medical debt that is not mine-i have filed a the fraud affidavit with the FTC and sent them the paperwork but they still keep reporting it to my equifax report. I call the collection company and they state that they are not removing the account off my credit report. They are stating that they have the right to collect the debt, because it has my name on it. XXXX  and XXXX XXXX have removed the account off my credit, but that was because they forced Central state recovery to be blocked.
Product: Credit reporting or other personal consumer reports

My American Express Charge Card account was closed and is negatively impacting my credit report showing that I owe a balance. American Express responded with a letter stating that because of an error on their end my Card Member Agreement was never sent to me and that they are sorry " something went wrong '' I have contacted them to dispute the account as I was never made aware of the terms and conditions of the credit account such as billing cycles, card spending limits, payment due dates, fees, or interest rates.
Product: Student loan

This complaint is in regards to the Department of Education 's and FedLoan Servicing 's mishandling of the PSLF program under the Limited Waiver. Numerous borrowers pursuing PSLF are attempting to remove an in-school deferment via the " School Related Deferment Waiver Form '' ( Records Code : XXXX ; Version Date : XX/XX/2010 ). Some, but not all, FedLoan Servicing employees are rejecting these submitted forms, perhaps at the direction of the Department of Education, informing borrowers that the form only applies to pre-consolidation Direct loans. Nowhere on the form, which has not been updated in almost 12 years, does it state that. This is therefore causing a considerable amount of confusion, XXXX and frustration among borrowers. Borrowers do not trust the Department of Education and FedLoan Servicing because of outdated forms ; inefficient processes ; and unclear, fabricated, and misapplied PSLF policies.
Product: Credit reporting, credit repair services, or other personal consumer reports

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


XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.