23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

ON XX/XX/XXXX MY WIFE AND I SUBMITTED A REQUEST, TO SELECT PORTFOLIO SERVICING COMP.FOR " HARDSHIP '' " MODIFICATION '' AS EXPRESSED IN THE ATTACHED LETTER BELOW " HOME UNDER WATER '' APROX. {$110000.00} ... ALSO MORTGAGE RATE IS LOCKED FIX RATE FOR 9.5 % ... .ALSO " SCHOOL TAXES '' APROX. {$7500.00} A YEAR OUT OF OUR POCKET PLUS LOCAL TAXES, PLUS COMMUNITY DUES OF {$800.00} A YEAR PLUS HOME INSURANCE, OUT OF POCKET, HOME APPRAISED VALUE IS {$130000.00} BALANCE OWED IS APROX. {$250000.00} ... ... HUSBAND IS RETIRED ON FIX INCOME ALSO WIFE WILL RETIRE IN APROX. 6 MONTHS ... LIVED IN HOME SINCE YEAR XX/XX/XXXX ... ... .GOT EQUITY LOAN NINE YEARS AGO ... ONE TIME BALANCE OF MORTGAGE NEVER GO DOWN FROM PAYMENTS  OVER THE YEARS ... TO KEEP THIS HOME WE ARE REQUESTING LENDER TO INCLUDE TAXES IN PAYMENT AND INSURANCE ... REQUESTING MONTHLY PAYMENTS TO GO FROM {$2200.00} ... ... TO PAYMENTS OF {$1600.00} ... .PER MONTH WITH TAXES AND INSURANCE INCLUDED IN MORTGAGE PAYMENTS
Product: Credit reporting or other personal consumer reports

i recently checked my credit report and noticed unauthorized inquiries these remarks have been detrimental to my life and credit health
Product: Mortgage

On XX/XX/2022, the XXXX XXXX Virginia tax assessor 's office granted me a 100 % property tax exemption of the base of my status as a VA rated 100 % permanent XXXX veteran. Since XX/XX/2022, I have repeatedly engaged my mortgage company to stop billing me more than {$280.00} per month in property taxes the county is not billing them. As of today, I have engaged both on the phone and in writing, to include sending the tax bills showing XXXX billable no less than six times every couple of months -- to no avail. When I stopped sending the tax portion with my monthly mortgage payment, they sent me a collection notice and a late payment fee each month. I just spent an hour on the phone with multiple representatives, each of whom claim they can not help me because their taxation is handled by a third party. The third party has no public phone contact information and has not returned any of my emails.
Product: Checking or savings account

Deposited a check via mobile deposit on XX/XX/year> then received an email that my deposit will not be available until XXXX. 

Called Capital one and was told they cant cancel deposit and that they cant do anything until 24 hours after deposit is made. 

Called next day and was told nothing could be done because they cant override the system. 

They are messing with peoples livelihoods, I have a mortgage payment that will now be late because I dont have access to my own money for 5 days.
Product: Debt collection

Dear Sir/Madam : I have wrote several of dispute I have been ignoring and the proper protocall was not used to determine my dispute reason permited by law I had not heard any specific actions taken to reverify the items I had identified as inaccurate or incomplete in my credit report. 
Items : Resurgent Cap Srvcs Lp Opened XX/XX/XXXX Since you have not given me names or persons you contacted for reverification of the information, nor have you complied within a reasonable time to my request for reverification, I assume that you have not been able to reverify the information I have disputed. Therefore, you must comply with the provision of the Fair Credit Reporting Act, Section 611, and drop the disputed items from my credit report. 
Now when someone identity is compromise a credit or data furnisher should do a property dispute to verify the account According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), your company is required by Federal law to verify - through the physical verification of the original signed certified Consumer contract - of any and all accounts you request to be posted and or reported on a credit report I demand to see a copy of the Verifiable, Validated Proof ( an original Consumer Contract with a wet-ink Signature on it, copies of copies are not Validation and by Law are not considered proof ), that you have on file for the account listed above. Under the FCRA, unverified, invalid accounts must be removed. If you are unable to provide the me with a copy of the verifiable/validated proof that you have on file within 30 calendar days from receipt of this notice, for the account listed above then you must at once remove the account from my credit reports. I demand the account be verified or removed immediately!

If I do not receive an updated copy of my credit report, with the disputed items dropped, my attorney will pursue my legal rights under Section 616 of the Fair Credit Reporting Act, Civil liability for willful noncompliance. Your credit bureau may be liable for : 1 ) any actual damages I sustain by you failure to delete the item ; 2 ) punitive damages as the court may allow ; and 3 ) costs of the court action, plus attorneys fees. 

I have forwarded a copy of this letter to the Federal Trade Commission. 

Sincerely, XXXX, XXXX XXXX XX/XX/XXXX SS XXXX ADDRESS : XXXX XXXX   XXXX XXXX XXXX XXXX, FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX-I am a victim of identity theft. The account was opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft. Please use this report as my record of the events as my local police told me to file a report on identitytheft.gov in place of filing a police report. 
XXXX XXXX-I am a victim of identity theft. The account was opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft. Please use this report as my record of the events as my local police told me to file a report on identitytheft.gov in place of filing a police report. 
XXXX XXXX*-I am a victim of identity theft. The account was opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft. Please use this report as my record of the events as my local police told me to file a report on identitytheft.gov in place of filing a police report. 
CITIZNSBNKNA XXXX-I am a victim of identity theft. The account was opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft. Please use this report as my record of the events as my local police told me to file a report on identitytheft.gov in place of filing a police report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed Chapter XXXX in XX/XX/XXXX, and XXXX was notified and accepted voluntary surrender. My bankruptcy discharge was on XX/XX/XXXX. Within a month, I started disputes with CRA 's to correct information on my reports. At no point in the term of my loan was it late and the loan was current at the time of filing. 
As of their latest update, they are now reporting payment history beyond my discharge date. 
My reports should be showing XXXX balance, closed, and the notation of included in bankruptcy. They continue to report inaccurate information stating late payments ( which the account was never late ), and now are adding information dated beyond the discharge, which is causing irreparable damage during this difficult rebuild. I would consider this retaliatory behavior or active collection activity.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please take this seriously. Annually, please visit http : XXXX to review and our credit file with all three credit bureaus. With all the recent few cyber security breach with XXXX and XXXX XXXX XXXX and all the government subsidized loans, I.e. SBA 's EIDL ( Economic Injury Disaster Loan ), thefts are applying credit with lenders and government under your name.
Product: Checking or savings account

My bank account was hacked & used & money was transferred in and out from credit card to checking, US bank had FIVE DEBIT CARDS ATTACHED TO MY CHECKING ACCOUNT AT ONE TIME WITH 3 checking accounts established until they could figure out what was going on but only made the problem larger with so much confusion with the mishandling of disputes & money transactions, transfers, purchases, deposits, I filed a police report XXXX police & fbi for fraud identity theft, also filed claims with US BANK & my insurance company.money was taken out of my us bank visa as payment {$2000.00} on XX/XX/23? My visa account was. Closed & left with a balance of fees {$740.00}?
Product: Credit reporting, credit repair services, or other personal consumer reports

During the loan I had late payments as I got near to paying off loan I requested that late payments be updated in agreement with paying loan off early. XXXX XXXX representive agreed to update my account status but informed me that it would take 30 days. I agreed for payment to post to pay of account XXXX XXXX 2017. I currently applied to pre qualify for a home loan and was informed that late payment was still on credit report. At this time I contacted XXXX XXXX and have received the worst service which I feel its because I do not have a open account being transferred from person to person being placed on hold for extended periods of time on several occasions from XXXX 2017 to XXXX XXXX 2017 DAILY. This company has provided me with the worst service and refuse to honor agreement 1. Because I am no longer a customer ( But offered to consider removal if I was applying for another home loan through XXXX XXXX ). 2. I 'm a XXXX XXXX Veterans that suffers with XXXX, XXXX XXXX and other XXXX XXXX which is triggered when I 'm spoken to aggressively which the representative have done repeatedly. 3. As a XXXX XXXX XXXX they show no concern for anything i have to say but I have listen to them talk to other XXXX customers and they are very respectful and courteous. I continue to ask that my late late payments be removed as agreed upon and honor my request quickly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report. 

The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Product: Credit reporting

There is a collections account on my Experian credit report that contains incorrect information. I am disputing the XXXX XXXX XXXX ( " XXXX '' ) collections account on my credit report as it contains incorrect information. XXXX has illegally reported incorrect information on my credit report in retaliation for filing a complaint agains them. The XXXX collections account on my credit report needs to be removed immediately as it is incorrect.
Product: Credit card or prepaid card

I opened a Victoria 's secret credit card in XX/XX/XXXX I purchased XXXX on it the first time used it on XX/XX/XXXX I paid the card in full XXXX on XX/XX/XXXX I purchased under ware that same day on XX/XX/XXXX I paid XXXX paid all charges off on the card then I get an email stating I am XXXX in debt I have not used the card at all since I paid it off. they are saying I have back charge on the bill they sent me was only XXXX owed now somehow it accumulated XXXX in late fees. when the card wasn't used. I paid all balances on XXXX XX/XX/XXXX of XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit report and noticed some hard inquiries I do not recognize. 

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

I had a XXXX payment sent last week. It has still not cleared. The money left the others person 's account on monday and I have still not my money. Every time i call chase im sent to some XXXX XXXX XXXX  and get zero help. I am not sure why i do not have access to my money or why these customer service reps are so incompetent. I have called in many times trying to resolve this directly, but with no success. 

CHASE DO BETTER I AM XXXX AND THIS REALLY IS NOT OK TO DO. DO I NEED TO CONTACT ADA? WHY CANT I GET ANY GOOD CUSTOMER SERVICE? 

XXXX from the XXXX XXXX XXXX refused to transfer my call to the supervisor and mocked me when I mentioned that I was XXXX, then hung up on me. I encourage chase to pull the call and here this
Product: Credit reporting, credit repair services, or other personal consumer reports

I never made a payment to  XXXX   XXXX   XXXX . They are a  3rd  party collector who is ballooning a debt that they bought from  XXXX   XXXX . They are also re aging the debt.
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 Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX Account XXXX has violated my rights. Or a 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 reporting, credit repair services, or other personal consumer reports

I have recently found out that negative information apparently appears on all XXXX of my credit reports that is being provided to lenders, HOWEVER the monthly credit reports that I pay a fee for every single month to access my credit reports to monitor shows I have XXXX negative accounts or information in my credit reports, any negative accounts I would have had on my credit reports were from 2011 and would no longer be allowed to be reported, yet I keep getting denials from credit applications with statements such as " derogatory public record or collections '', but again I pay a monthly fee to each credit reporting agency to be able to view my credit reports, you know " see what lenders see '' and every single of my credit report I have credit scores in the XXXX range, yet somehow keep getting applications for credit denied for negative information on my report, so it clear what the credit reporting agencies are sending to lenders does NOT match what myself is being provided and I am paying for monthly, under the FCRA there should be XXXX negative information on all 3 of credit reports that is being provided to lenders, credit reporting agencies have the power to destroy a persons life a families life and it has been made clear they do not take that power very serious, I have reached out to all 3 credit reporting agencies several times over the last few months once my applications I were submitting to lenders was being declined due to incorrect information being provided, even filed XXXX complaints and still to this very day NOTHING HAS BEEN DONE OR CHANGED
Product: Debt collection

I XXXX XXXX want to dispute this collection on my credit report. I do not owe this company any money. I do not have a contract signed by this company. Just because they buy debts on the secondary market does not mean I owe. I will go to court and tell the judge I dont owe per I dont have a contract signed with collection company. I want collection company to delete the negative account from my credit report per fcra law. If they dont remove Ill have to file a federal law suit
Product: Mortgage

In XXXX of 2014 we FINALLY came to an agreement with Ocwens lawyer, XXXX XXXX from the XXXX in XXXX, NC to modifiy our mortgage. This modification agreement was subject to a dialogue to get clarification regarding the escrow. On XXXX XXXX, 2014 the Ocwen lawyer XXXX XXXX finally was able to get clarification from their client that stated that : " The answer to your question is that the escrow shortage has been made part of the new outstanding principal balance due under the modification. The shortage ( which was identified in his XXXX/XXXX/14 email to be ( {$39000.00} ) ) will get repaid during the life of the loan upon repayment of principal and interest. " However, just a few months later they have wrongfully increased the escrow by 75 %. I have contacted them and over the course of two weeks still can not get this corrected despite forwarding these clarifications to them and several conversations with their escalation specialist XXXX XXXX. So once again the mortgage servicing is XXXX up and Im using my time to XXXX it as well as pay the increase in the interim because their system will not allow for a short payment. While XXXX XXXX is quite nice she doesnt have the ability to undersand the problem nor authority to correct it. She says she will call back in 5 days with better clarification. Im not holding my breath. I guess I need to again hire a lawyer. What a stupid mess.
Product: Credit card or prepaid card

On XX/XX/XXXX I was making an online purchase at XXXX. During checkout I received a promotional offer to apply for a XXXX XXXX from Barclays Bank, and use it for this first purchase and receive 30 % off my purchase. I was immediately redirected to the Barclays XXXX site to apply. I received instant approval and was returned to the XXXX XXXXXXXX site to complete my order. The new XXXX was now showing as a payment option and I selected it to complete my purchase. It even showed below it that my savings by using this card for my purchase of {$100.00} would be {$32.00} for a new total of {$76.00}. I did not receive the promotional discount. I called Barclays on XX/XX/XXXX, XX/XX/XXXX and again on XX/XX/XXXX, speaking to managers each time. I was repeatedly assured that it would be resolved and I would get a callback. I never received any call, and the reason was different with each person I spoke to. No one seemed to have any knowledge of the promotions being offered and it was very obvious that I was speaking to a foreign call center. The customer service I received was awful and I got no help at all resolving this issue.
Product: Checking or savings account

Fraud was committed on my account. I never use my ATM card for purchases and had all of these charges on my account. 

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 I called the bank and they applied a temporary credit so they can investigate. They gave me a temporary credit then went back in my account and reversed all the credits. 

XX/XX/XXXXXXXX Temporary Credit Reversal on XX/XX/XXXX Card # XXXX Claim #... 
View/Edit Debit - {$29.00} XX/XX/XXXX Temporary Credit Reversal on XX/XX/XXXX Card # XXXX Claim #... 
View/Edit Debit - {$29.00} XX/XX/XXXXXXXX  Temporary Credit Reversal on XX/XX/XXXXXXXX  Card # XXXX Claim #... 
View/Edit Debit - {$29.00} XX/XX/XXXX Temporary Credit Reversal on XX/XX/XXXXXXXX  Card # XXXX Claim #... 
View/Edit Debit - {$31.00} XX/XX/XXXXXXXX  Temporary Credit Reversal on XX/XX/XXXXXXXX  Card # XXXX Claim #... 
View/Edit Debit - {$31.00} XX/XX/XXXX Temporary Credit Reversal on XX/XX/XXXX Card # XXXX Claim #... 
View/Edit Debit - {$31.00} XX/XX/XXXX Temporary Credit Reversal on XX/XX/XXXX Card # XXXX Claim #... 
View/Edit Debit - {$40.00} I called the Bank of America fraud department and the lady was rude like I was the criminal and said my claim was denies as the transactions were " chip on chip '' with my debit card. I had my card in my possession at the time of the fraud and cut the card up as they sent me a new one. The fraud department basically was telling me I made the transactions which was false. She said I can re-open the claim and write a letter that I did not make these transactions or I can go to the branch. On XX/XX/XXXX, I went to the branch and the office called the fraud department and handed me the phone and the agent said " I will request to apply your temporary credit since the claim is re-opened and I should see the temporary credit in my account in about 48 hours '', I checked my account on the following Monday and still no credit. I am very busy at work and a week later I called the fraud department again and asked them where my temporary credit is? They said since the claim was denied and reopened, I will not receive any credit as it will take up to 45 days to settle the claim. No further assistance from this person. I called again on XX/XX/XXXX and the person on the phone said I am not going to receive the temporary credit and demanded to speak to a manager to give me my money back. I finally got a manager and she did not help either, she said there is nothing she can do to help me as no one can speak to the people in the fraud department? This is beyond frustration and a lot of wasted time trying to get my money back. I know it's only a few hundred but still, I have been lied to, disrespected like I'm the criminal and definitely closing my account after I get my money. I should've closed my account a long time ago because I have been getting fraud at least twice per year.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX XXXX and, Equafax have reported a 34 point decrease in my credit score. When it should have been a 34 point or more increase. Several items were deleted from my report after a dispute and all credit card balances and paid down to XXXX. I have tried to contact them reguarding this mistake and they will not help me. I have worked hard to clean up my credit and deserve to have things reported accurately. It is unfair for them to do this to me when all the evidence is right there of the improvements. They clearly made mistakes, I need it corrected immediatley. This is emabarring and causing a hardship for me and my family as we are trying to purchase a home. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed an account on my credit report that was not validated or accurate and this company didn't properly investigate the account or send proper validation. The company have failed to notate the account was in dispute. This is causing defamation of my character. This is causing stress in my life I can't get a job or apply for any loans due to this crisis you have hurt the ability for me to obtain credit. I'm sending this complaint on my own behave so treat it as such.
Product: Debt collection

XXXX XXXX from parking spot when I was at a Park. I sent a debt variation letter never sent proper paperwork.. please release my vehicle from impound and remove lien off vehicle.