23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Taxes are not being paid from escrow ; XXXX XXXX 's property taxes were not paid in full. 
XX/XX/XXXX 's Irrigation Tax was not paid at all. 
XX/XX/XXXX 's property taxes were not paid. 

We received a delinquent tax notice from our county assessors office on XX/XX/XXXX. Since XX/XX/XXXX we have contacted Lakeview Loan Servicing LLC 17 times, have been told on 4 occasions that they would be paid but they are still delinquent. Also note, our XXXX form XXXX is incorrect as it does not reflect all taxes for XXXX that should have been paid since only a portion was paid. 

Dates of contact XX/XX/XXXX XXXX calls to lakeview to initiate correction of delinquent taxes XX/XX/XXXX 2 follow up calls to learn what action would be taken told they would be paid soon XX/XX/XXXX 1 follow up call XX/XX/XXXX 1 follow up call was told the taxes would be paid in a few days XXXX/XXXX/XXXX 1 follow up call XX/XX/XXXX 4 calls was told the taxes would be paid no later than XX/XX/XXXX XX/XX/XXXX 1 call to determine why they weren't paid on XX/XX/XXXX - no reason given XX/XX/XXXX 1 call was told they would be paid on XX/XX/XXXX XX/XX/XXXX 2 calls to determine why they were not paid on XX/XX/XXXX - nobody knows why or when they will be paid at this point.
Product: Mortgage

I have a down payment assistance loan through Statebridge Company. I have repeatedly attempted to pay my bills and its almost like they wont allow me to. I was not notified of the loan and who to pay until after the first payment was due. Since then, I have not been allowed to pay online and the one time I sent a check ( sent XX/XX/XXXX, deposited ( XX/XX/XXXX! ) before the due date and they held onto it for weeks until it was late. I have repeatedly tried to call to pay and they hang up on me as soon as I get through to someone. That is on the rare occurrences that I can actually get through to them. It takes 45 minutes to an hour to make a phone call to them, only to be hung up on. They suggest I sign up for automatic deduction, but I honestly do not trust this company anymore. 

They will not respond to my emails, or questions, wont answer my phone calls and wont accept my payments. My credit is now destroyed and I am at a loss. 

I just want to get squared up and fix my credit. I feel like it should be possible to make a payment to a company that reports to credit agencies.
Product: Debt collection

We have been harassed by a company -- XXXX XXXX XXXX XXXX  of Maryland who might be located at XXXX XXXX XXXX XXXX XXXX, CO XXXX. They are demanding payment for money we do not owe. They allege that the debt was incurred with Best Buy. Please have them cease and desist.
Product: Credit card

Between XX/XX/XXXX and XX/XX/XXXX, there were charges in excess of {$2000.00} charged to my home depot card that were not authorized. I have written multiple requests to Home Depot to remove the charges. I explicitly explained in detail the reason I was disputing the charges. 

I authorize a contractor to use my card for a specific job I was doing. His wife took the card stating she would pick up supplies the contractor needed and the contractor agreed. She went on a shopping spree for XXXX items, etc. The contractor was licensed and bonded and fully recommended. By allowing him to use my card, I was not negligent in my allocation or use of my card. I immeditely called the contractor and Home Depot. I made a fruad claim with Home Depot even prior to the statement coming out as I monitor my account online. 

I do not believe I was negligent, or not responsible for my card. I requested from Home Depot proof that as the only allowed signer, that the charges were made and signed by myself. They refused to supply. I also filed immediately a police report with the XXXX XXXX XXXX XXXX  ]
Product: Debt collection

these company is trying to collect a debt that is 12 years old. It was a lease return in XXXX to XXXX XXXX. They sent me a bill I refused to pay. XXXX charge it off as a profit and loss for tax purpose. This was well past statue of limitation I filed Chapter XXXX in XXXX XXXX and XXXX was part of the creditors matrix. They agreed to 28 % of balance in the Chapter XXXX and accepted payments. I dismissed the XXXX in XXXX XXXX and over two years now they have forwarded my account the this firm to collect the balance that is inflated. They have no legal recourse it is 15 years old just scam artist trying to XXXX mw. I sent them Cease and Desist and asked them to never contact me again. Really XXXX should concern them self with the destruction on innocent people on the XXXX airbag issue.
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 NATIONAL RECOVERY AGEN XXXX 15 USC 1681 section 602 ( a ) ( 4 ) - I have rights to privacy. 15 USC 1681 Section 604 ( a ) ( 2 ) - states that a consumer reporting agency can not furnish a credit report without written consent from the consumer. 15 USC 1681c ( a ) ( 5 ) - states that no consumer reporting agency may make any consumer report containing the following items of information ... Any other adverse information, other than records of conviction of crimes which antedates the report by more than 7 years. 15 USC 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: Checking or savings account

I am a victim of identity theft. Someone opened numerous Sun Trust Checking accounts in my name, using my personal information and home address. I have never opened a checking account with Sun Trust Bank. The checking accounts that was opened with Sun Trust Bank was all fraudulent checking accounts. I was just released from XXXX  after being XXXX for over 17 years. Review the attached documentation. Full Name : XXXX XXXX XXXX, XXXX : XX/XX/1974, XXXX : XXXX, Home Address : XXXX XXXX XXXX. XXXX XXXX, XXXX, MN XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted equifax on several occasions through mail, online disputes and through telephone. I have sent in documents numerous times stating that my balance was paid in full for several of my accounts and also stated that several of the information they had on file was inaccurate. The phone  call I last  had took place on Friday  XXXX . The operator stated that they received my information but they still could n't remove my delinquent account even though I sent them proof and it was right in front of them. I have already maile d in 3 letters and 3 online di sputes within the last couple months for them to keep listing it on my credit report and allowing my credit to drop drastically.
Product: Credit reporting, credit repair services, 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 items 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/block 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, SC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXXXXXX XXXX, SC XXXX XXXX XXXX XXXX XXXXXXXX, SC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX  XXXX Balance : $ XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$2100.00} XXXX XXXX XXXXXXXX Balance : {$860.00} XXXX  XXXX Balance : $ XXXXXXXX XXXX XXXX Balance : $ XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$590.00} XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$2600.00} XXXX XXXX Balance : {$2600.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX ) XXXX Balance : {$590.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Student loan

My loan sequence 8 and 9 were completely forgiven as part of the PSLF and the PSLF waiver. See attached letter from XX/XX/XXXX. All of a sudden recently I noticed a balance of around $ XXXX reappear for these sequences which was supposed to be forgiven as part of the PSLF and consolidation waiver. Initially when I got my PSLF forgiveness letter I called Mohela panicked that it did not include 5 of my loans that were pending consolidation and the forgiven balances were incomplete. I was reassured they would be forgiven too as part of PSLF and if for some reason they are not, Mohela can take care of it on the back end. Here are my notes from those conversations XXXX Spoke to XXXX XXXX employee # XXXX at Mohela , he spoke to a supervisor. I was then told " If loans are forgiven before the consolidation is complete we will reprocess forgiveness with the new balances '' - on XX/XX/XXXX XXXX employee XXXX told me the same thing " If all the sequences are not added before forgiveness, we can go back in and manually adjust the forgiveness '' - I have attached the payment count letter from XX/XX/XXXX, my repayment letter from XX/XX/XXXX which did not have a consolidated loan balance ( and all of a sudden the one from XX/XX/XXXX does ), and my paid in full letter from XX/XX/XXXX showing my two consolidated loans have been paid in full. Please correct this as soon as possible and erase the balance on loans 8 and 9. I made a lot of financial decisions based on the information I was given and the promise that my loans would be forgiven even if the forgiveness completes before the consolidation finishes. Please help me to fix this as I will be in great financial stress if this is not fixed.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not block the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law Please remove/block the following accounts as they are fraudulent & were opened without my consent or knowledge XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

If you claim these accounts are 100 % accurate and verifiable then I need you to provide me with copies of any documentation associated with this account which bears my signature, as I know none exists. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number.
Product: Credit reporting or other personal consumer reports

XXXX XXXX Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Phone number ( XXXX ) XXXX Subject : Dispute of Inaccurate Information Dear, XXXX  XXXX, XXXX, equifax, XXXX I am writing to formally dispute certain information in my credit report. I have reviewed my report and found that there are accounts listed for which I do not have any information or knowledge. This is a request for you to investigate these accounts further, as I believe they may be inaccurate.

According to the Fair Credit Reporting Act, I understand that I am entitled to request an investigation into any information that I believe is incorrect. I would appreciate it if you could conduct this investigation within 15 days of receiving this letter. 

If you are unable to verify the accuracy of the disputed information, I request that you remove it from my credit report immediately. 

Please find enclosed copies of any relevant documents that support my dispute. I look forward to your prompt response to this matter. 

Thank you for your attention to this issue. 

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

I do not recognize these hard inquiries on my credit report. I dont believe these to be correct on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian
Product: Credit reporting or other personal consumer reports

I am submitting yet ANOTHER complaint about Experian preventing me from accessing my own credit report so that I can attempt to recover from identity theft. 

I am also reporting that despite have a freeze and fraud alert since XX/XX/year>, and no access to my account due to the screenshot attached, I still receive daily alerts about my credit report and to log in and see why my score dropped again. From what I can see and what Experian Identity works has told me, they are allowing creditors who have already charged off debt which is not mine and reported it to Experian, to create duplicate records while also preventing me from disputing anything. 

This was their response after 3 months from the last complaint regarding them employing deception tactics to prevent access to my account : We employ an authentication process to verify the consumers identity for access of their report online. We go beyond reliance on personally identifiable information ( PII ) or a consumers ability to answer knowledge-based authentication questions to access our systems. We do not disclose additional processes for obvious security reasons ; however, our data and analytical capabilities verify identity elements across multiple data sources and are not visible to the consumer. This is designed to create a more positive experience for our consumers and to provide additional layers of protection. We apologize for any inconvenience or misunderstanding, and we appreciate the time you took to send us feedback regarding our website. We value the input from our customers, and assure you we will give serious consideration to the issues you presented to us. It is through information provided by customers such as you that we are able to improve our products and memberships. Thank you for submitting your complaint through the CFPB Complaint Portal. It is our policy to respond to consumer complaints swiftly and to take each complaint seriously. We appreciate you letting us know about your experiences with Experian Which yes, makes sense that they are intentionally preventing me from accessing when compared to the hundreds of hours of me attempting to recover. 

This is going to be reported until I am able to use XXXX and discovers identity theft insurance to find the best attorney and sue XXXX have a called with them tomorrow to establish legal aid for this and other things that Experian is allowing. 

Attached is the exact same screen shot that I've report d to CFPB, Experian, FTC, Attorney General, FBI, and Police for almost a full year which appears after they make me change my password, sometimes twice, and then use it.
Product: Credit reporting or other personal consumer reports

I'M DONE ASKING NICELY. I'VE SENT YOU NUMER OUS LETTERS INFORMING THERE IS INACCURATE, ERROENOUS & UNVERIFIABLE INFORMATION ON MY CREDIT REPORT. You are required under the FCRA to have a copies of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your numerous investigations and subsequent reinvestigation ( s ), you stated in writing that you verified that this item is being reported correctly? I'VE ASKED YOU " WHO VERIFIED THESE ACCOUNTS? You have NOT provided me a copy of ANY original documentation, OR COPIES FOR THAT MATTER, as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Sections 616 and 617 provide me with remedy when a credit reporting agency does not comply with the law. You are willful noncomplying with the FCRA.

Since you CLAIM TO HAVE VERIFIED THIS ACCOUNTS BUT HAVE NOT PROVIDED ME WITH ANY INFORMATION. I WILL GIVE YOU ONE LAST CHANCE TO " DELETE '' THE ACCOUNTS Please DELETE the accounts, or inaccurate information, from my file immediately XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

Venmo froze my account because of community guide lines which I told them somebody broke in my home and took all my information I sent them my picture ID and Social security card to prove my identity now they saying that they are keeping my {$700.00} for 180 days I told them I have bills and my employer just paid me that money XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I exercised my rights under FCRA 611 ( a ) ( 6 ) ( B ( iii ) which provides that a consumer may request a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available, regarding  inaccurate accounts on my credit reports, including XXXX XXXX, XXXX/XXXX and  XXXX/XXXX XXXX, accounts that I have never opened ; And inaccurate late payments listed for several accounts, including XXXX XXXX XXXX in XX/XX/XXXX ; XXXX XXXX XXXX in XX/XX/XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, andXX/XX/XXXX ; XXXX XXXX XXXX in XX/XX/XXXX, XX/XX/and XX/XX/, and XXXX & XX/XX/XXXX ; by sending Method of Verification letters certified mail, return receipt requested to XXXX, TransUnion ; And to XXXX  via the online dispute portal. USPS verified that all my requests were received on XX/XX/XXXX. To date, I have not received any compliance/information/proof or verification methods to my request within the 15 days allowed from receipt of my letters/requests in compliance with the FCRA. I was supposed to receive responses to my requests by XX/XX/XXXX. To date, I have received none. Therefore, I expect all these items will be removed from my credit files immediately. Thank you for your prompt attention to this matter. XXXX XXXX
Product: Mortgage

On XXXX XXXX, XXXX wife and I received a letter from 3rd party seeking foreclosure on Chase 's behalfI have faxed back to Chase the packet from Chase regarding the mortgage assistance information that was needed. I have faxed said packet this very morning XXXX XXXX, 2015. Within Chase 's letter and communication it states that we have until XXXX XXXX, 2015 to return the paperwork. Let the record show that the packet was returned to this department 17 days before the final date to apply for assistance for our mortgage. 

I have also, faxed to XXXX XXXX a dispute letter to the validity of the debt we are said to owe in their foreclosure letter and threating correspondence received on XXXX XXXX, 2015 stating we owe by today {$130000.00}. 

We are working with a Customer Assistance SpecialistXXXX XXXXDirect Number XXXX ext. XXXXGeneral Number XXXX also, sent check to pay a payment a few months ago and Chase sent it back to us. I have connected via phone with XXXX and and she has informed me that they are not allowed to accept any more payments and the only option we have is to apply for Mortgage Assistance. 
I have also advised XXXX XXXX XXXX. we will only be corresponding with JPMorgan Chase Bank. I also, advised this firm to save this for their records in accordance with the Texas Fair Debt Collection Practices Act. 
The Attorney General in Texas has been suing companies for malpractice due to deceptive practices and the bank billing us for their attorney legal fees or alleged attorney department? Companies who claim to be a collector but misrepresent their firm as a " Law Firm '' who have made these same greeting statements when this was not the case at all. This is a Violation of Texas Deceptive Trade Practices, Consumer Practices Act, and The Texas Debt Collection Act. 
For my own protection to possible deceptive tactics. I have mailed a copy of this letter from XXXX XXXX sent to me and the XXXX they sent to my wife XXXX to the office of The Texas Attorney General to make them aware of their communication. These precautions are necessary
Product: Credit card or prepaid card

Citibank sometimes offers " Merchant Offer '' to allow cardholders add to their credit card to earn cash back. I've enrolled XXXX XXXX ( https : XXXX ) and XXXX XXXX ( https : XXXX ) and spent the required money in one order but I didn't get any cash back. 

I spent XXXX at XXXX in one order on XX/XX/2021, spent XXXX at XXXX in one order on XX/XX/2021. 

The {$200.00} pending charge was eventually posted ( spilt by XXXX ) as XXXX charges and the {$50.00} pending charge was split by XXXX to XXXX charges, but that's not my fault. Citibank should honor that. Similar things happened when XXXX had similar promotion, but they honored the offers. 

I contacted Citibank via online chat, XXXX message and mail, but they didn't provide any helpful solution. In the mail I showed the evidence that my purchases were in one order. But they just said my purchase was not qualified. I mailed another one with more evidence, but they have no response. 

What a poor bank service. By the way, I'm a Citi XXXX XXXX, I'm also a XXXX XXXX XXXX. It's very easy to contact XXXX Customer Service via security message and they are always willing to help. While the ancient Citibank Customer Service really sucks.