23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

On our about XX/XX/XXXX is not my year end audit of my mortgage. How ever it was wrong my payment went from XXXX to XXXX. I called to to a lady in tax department she told me what I needed to do. I called XXXX XXXX and talked with XXXX she saw what happened and sent me a letter that I faxed to the real state taxes department at well fargo. Are on in the tax department told me to make my regular payment and they new amount would start on XXXX. Well no one changed my XXXX payment of XXXX. I have sent XXXX + XXXX. Since XX/XX/XXXX to XX/XX/XXXX. i called customers service 5 or 6 times telling them that I did not owe the XXXX. With some basic math if we take XXXX - interest XXXX escrow XXXX. Leaves a balance XXXX more than XXXX payment should have been. I spent my XXXX payments and it shows that they took it to finish XXXX payment.i have sent XXXX it Shows it there but not applied
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit reporting agencies, XXXX in particular has failed on many attempts to fix, correct, and/ or delete my problem whereas incorrect data is still reporting on my file. Data that for one is not mines. Secondly and first at hand, not one credit reporting agency provided me with any certified physical documentation that supports their claims, as opposed to electronic Verification inwhich is part of the initial fraud. I'm demanding that the credit reporting agencies provide me with the Method of Verification used in this investigation. I do not have any contract with the following accounts inwhich I'm disputing and would like blocked from my file. Account # 1 [ XXXX XXXX XXXX {$1000.00} ], Account # 2 [ XXXX {$920.00} ], and Account # 3 [ XXXX XXXXXXXX XXXX ] an account illegally reinserted and reported by Transunion and XXXX both. This account has been disputed and removed in XXXX of XXXX, but reinserted in XXXX of XXXX, without a 5 day notice from the credit reporting agencies Transunion and XXXX as stated within the laws of the FCRA and supported by the FTC. Before I have to file suit against Transunion and XXXX I'm demanding that these two credit reporting agencies block this accounts immediately and permanently.
Product: Debt collection

As of XX/XX/2021 I XXXX XXXX XXXX took a review of my credit report and I noticed that a company named Enhance Recovery Company is reporting a balance of {$96.00} dollars owed to XXXX XXXX XXXX. I am hereby disputing this debt because I never received notice to dispute this debt via mail and also I am requesting proof that I actually own this debt via signed contract with my signature or any instrument that can solidify my ownership of this account. If neither of these items in which I request can be furnished I am requesting that you remove your reporting from XXXX and XXXX  immediately because you are damaging my credit. Failure to do so within 30 days will give me the authority to legally seek remedy for the damages caused by the negative items reported.
Product: Mortgage

I closed on my new home on XX/XX/2020. The lender is Caliber Home Loans, and the Title Agency is XXXX  XXXX. This complaint is only about Caliber Home Loans. 

A few hours after I closed, I received a call from the title company, informing me that there was a mistake on my final closing disclosure that Caliber had prepared and that was used to determine the amount of cash I owed at closing. Specifically, a mistake was made ( and not caught prior to closing ) regarding the amount of property taxes that were credited to me ( and against the seller ). I therefore was asked to send additional money to the title agency to cover the mistake, but the title agency could only give me an estimate of the amount I was owed. To be safe, I sent the title agency extra money while we awaited the updated closing disclosure statement from Caliber Home Loans. The title agency has already agreed to refund me the excess between what I have deposited with them and what is actually owed.

However, despite multiple requests from both the title agency and from me to Caliber Home Loans ( via phone and email ), Caliber has still not provided to either the title agency or me a copy of the revised/corrected closing disclosure statement. Consequently, I have thousands of dollars being held by the title agent while we wait for this simple disclosure statement to be sent over. 

There is simply no excuse for Calibers original mistake or continued failure to provide the corrected statement to us.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Beureaus have FAILED Miserably Once again. The Following Accounts are in clear violation and SGALLL be REMOVED IMEDIATELY! According to the IRS Government Agency. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX UT XXXX : XXXX XXXX ADDITIONAL INFORMATION - Charged Off Account ; And also XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX : XXXX Account Number XXXX ADDITIONAL INFORMATION - Charged Off Account ; These account are being ran as charge offs. I have never received the 1099 cancelation of debt form and because of this the account isn.t accurate and must be removed immediately Furthermore If your debt is forgiven or discharged for less than the full amount you owe, the debt is considered canceled in the amount that you don't have to pay. 
Also if you have cancellation of debt income because your debt is canceled, forgiven, or discharged for less than the amount you must pay, the amount of the canceled debt is taxable and you must report the canceled debt on your tax return for the year the cancellation occurs.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

XXXXXXXX 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 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 

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 he information is inaccurate.
Product: Debt collection

An automated call identified as XXXX XXXX, calls regarding credit card debt from retail establishments that not only do I not have a credit card with, I have never even shopped at these establishments. I hold no retail establishment credit cards at all and have not received any statements from any of these stores, and yet I have had calls regarding at least 6 or 7 retail  establishments ( some I've never even heard of ). One in particular that has been called about several times is XXXX XXXX. The calls come so frequently that more than once we have received 5 calls in one day. On one occasion I tried to speak to someone at the number but was unable to speak to a live representative.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter out on XX/XX/XXXX to XXXX, XXXX, and Equifax. Here is my tracking number. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX. However, it's been more than 30 days and the credit bureaus failed to send my investigation back. This is not making any sense. According to the law 15 U.S. Code 1681i-Procedure in case of disputed accuracy, if the completeness or accuracy of any item of information is contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute the agency shall conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the dispute information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX Account number XXXX Date Opened-XXXX XXXX XXXX Account type : XXXX  XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX Date Opened-XXXX  XXXXXXXX XXXX Account type-Collection
Product: Mortgage

CMS purchased my loan from XXXX in XX/XX/XXXX. 
CMS did not give correctly tabulate my escrow account. 
They raised my mortgage payment by $ 65.00+ in XX/XX/XXXX I called them and tried to advise them of their error. 
They insisted there was no error and refused to make a correction. 
In XX/XX/XXXX they completed an escrow analysis, and again, they did n't tabulate my escrow account correctly. 
I should have an $ 1,075.00+ surplus. 
CMS incorrectly calculated my surplus to be {$10.00}. 
I reviewed their analysis and noted they paid my USDA annual fee amounting {$1200.00} twice by mistake. 
I asked them why and they said its because it was never paid in XX/XX/XXXX. 
I obtained my last escrow statement from XXXX which clearly shows they paid {$1200.00} in XX/XX/XXXX. 
CMS refuses to acknowledge their mistake and refuses to refund my money. 
I have included objective supporting documentation to corroborate my contentions.
Product: Credit reporting or other personal consumer reports

Equifax, transunion, and experian, all had data breaches- with my information XXXX had a huge data breach As a result, I have all kinds of things happening with my credit and my personal information that is impacting my daily living Equifax try to offer me {$37.00} for a payout for the data breach and its simply not acceptable. XXXX has been using my information when Im supposed to be incognito. I was involved in a data breach there as well as several other companies. What is happening? How can anybody have anything positive on their credit with all of these data breaches
Product: Credit card or prepaid card

This is a continuation of complaint # XXXX. I received another letter from Comenity dated XX/XX/XXXX stating they received my claim and were currently researching it and would take up to 90 days for their investigation. Their first investigation began XX/XX/XXXX for 90 days ending XX/XX/XXXX and now another 90 days to investigate their math error. I detected the error in a matter of seconds looking at my statement. They did refund the Interest charges and late fees but the unauthorized withdrawals totaling {$3000.00} is the more urgent amount they are requested to refund to me. Comenity has since transferred their credit card business over to XXXX XXXXXXXX XXXX  since XX/XX/XXXX and my account was not transferred due to their " investigation ''. I can not afford to have my funds held up indefinitely due to their math error since I live on SS and need that money refunded. XXXXXXXX XXXX XXXX can not issue a new BJs card until Comenity transfers my account over to them. I trusted Comenity with my business and I am very sorry I did. 

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

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

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

ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

On XX/XX/XXXX I went online and ordered a prom dress for my child. I never received item. Ive tried to email merchant no response, I have no tracking number nothing. So I went in to file dispute with my bank. I received a email from my bank today stating no error occurred. But I have no item and I am out of my money and Im very upset.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I'm contacting you about the hard inquiries that have been running on me. 

1. I have a hard inquiry by comcase on XX/XX/XXXX and XX/XX/XXXX, one day after the other. How is that possible? There should be maximum one. 

2. XXXX XXXX XXXX has done a hard inquiry on me when they told me that it will be soft inquiry on XX/XX/XXXX 3. A hard inquiry from XXXX XXXX XXXX XXXX XXXX without remembering asking for my permission. Dated, XX/XX/XXXX All the above was using Equifax
Product: Money transfer, virtual currency, or money service

I made an account with Robinhood. I first deposited {$500.00} and bought XXXX  and sent to my wallet. Then immediately after I transferred {$2500.00} to Robinhood and bought XXXXXXXX XXXX After buying the {$2500.00} worth of XXXX Robinhood restricted my account and will not let me transfer my funds.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts though your company claims to has verified these. 

Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 
As in XXXX XXXX TransUnion, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

XXXX XXXX XXXX & XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I hope this letter finds you well. I am writing to draw your attention to certain discrepancies that have come to my notice in my credit file. Upon a thorough review of my credit report, I discovered that my file contains personal information belonging to another individual in error. As a responsible consumer, it is of utmost importance to me that my credit file accurately reflects my own information at all times. 

In light of the provisions outlined in the Fair Credit Reporting Act ( FCRA ), I kindly request your prompt assistance in rectifying the following inaccuracies within my credit file. As per the FCRA guidelines, consumer reporting agencies are required to address such requests within a period of 15 business days : Removal of references to XXXX  Removal of references to XXXX Removal of references to XXXX XXXX XXXX Removal of references to XXXX XXXX Removal of references to XXXX  XXXX XXXX XXXX of references to Receivables Performance Removal of references to XXXX XXXX  I trust that TransUnion, XXXX, XXXX, will prioritize the resolution of this matter and ensure the expeditious removal of the aforementioned inaccuracies from my credit file. Your compliance with the FCRA regulations and your timely response to this request will be greatly appreciated. 

Thank you for your attention to this important issue. 

Sincerely, [ XXXX XXXX XXXX
Product: Credit card or prepaid card

Hello, My billing statement does not make sense. It says my mininum payment is {$150.00}. If I pay only the minimum payment, it will take me XXXX  years to pay it off. The next line states that if I pay {$140.00} a month, it will only take me XXXX  years to pay it off. How is that if I pay less the minimum payment it will take me less time? I have called, emailed, posted on social media to deaf ears.
Product: Mortgage

I have applied for refinance loan n been denied, Iam desperately needing to get this refinance loan...
Product: Credit reporting or other personal consumer reports

Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, it does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
Company : XXXX XXXX XXXX XXXX XXXX Amount : {$1400.00} Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 

Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled. 
A copy of my Identity Theft Report and proof of my identity. 
A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.

I appreciate your prompt attention to this matter.

Attached please find attached : Law Enforcement Report Proof of identity Copy of Credit Report Fair Credit Reporting Act Section 605B ( PDF )
Product: Credit reporting, credit repair services, or other personal consumer reports

According to 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.

I am fully aware of my protection and what these laws mean fully. The accounts are listed below as follows : 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 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 : States that a consumer reporting agency can not furnish an account without my written instruction, which I have not given XXXX  ANY written consent to furnish anything about myself on my consumer report.

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 reports by more than seven years.

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

I received notices about a data breach twice ; in XXXX and in XXXX. The first one was from a former employer who sent a letter saying that the company information had been exposed in a data breach and to make an account with experian. Then in XXXX of XXXX I received a letter from XXXX XXXX  stating that my information may have been involved in a data breach. I have submitted disputes through experian and XXXX to remove certain things off of my credit and Experian did not fully investigate. I noticed unfamiliar information on my credit report that appeared to be used by someone to gain employment.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX ( " XXXX '' ) Credit placed a hard inquiry on my crdit report. The inquiry is reflected on my credit report with at least 3 major CRAs. I requested that XXXX  provide me strict proof, including a signed contract, via U.S. certified mail. I requested a reasonable review within 30 days upon receipt of my debt validation letter. I have not received a certified response from XXXX. The hard inquiry has not been removed within 15 days of my letter.
Product: Vehicle loan or lease

I was recently laid off on XX/XX/2020 due to covid 19. Last XXXX I purchased a new car in which I placed XXXX down but the loan valuation was XXXX, I was paying close to XXXX/month. Since being laid off I have had to cut my expenses down to stay afloat. I called capitalone to inquire about their options to make payments during this time the following week after being laid off and their response was that I could only defer a payment for a month. If I decided to take this option they would also increase the interest that had to be paid towards the end of the loan period. The representative also documented my unemployment information during the call. This option was not ideal for me, as a result I have been paying below the monthly payment, roughly XXXX/month for the past two months, XXXX and XXXX. I have seen however that interest is still being applied to my account and the money that has not been paid month over month is also being accumulated. Capitalone is not providing much reprieve during this time. I did not feel comfortable providing my personal information like address and social security number etc and this is why it is not included in the complaint. I am located in California.