23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

On XX/XX/XXXX, I provided the mortgage company with proof of my tax payment deferral and evidence of my protest of the XXXX taxes due to the property appraisal offices failure to apply the XXXX XXXX XXXX veteran exemption for XXXX. Despite this, the mortgage company proceeded to pay the tax payment. As a result, my escrow balance went negative, and they increased my monthly mortgage payment by {$500.00}. I have made several attempts to contact the mortgage company to explain the financial hardship this has caused, but they have failed to provide any assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to Experian to get an understanding of why our XXXX XXXX XXXX son received a Your Dispute Results report from Experian, when my husband ( father ) and I don't believe there should have been anything on his credit report to dispute. We wanted information about what Experian had about our son. 
I was unable to reach anyone by phone, so sent a certified letter requesting information, included the report they sent to him, my social security card, my son 's social security card and his birth certificate, my phone, email and address. 
Experian received the letter on XX/XX/2022 and has not responded.
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

My Transunion account is never updated. When I log in, they block my access, and I have to change my password every time. In addition, the report reports accounts as open and delinquent that have been discharged in a federal bankruptcy. Meanwhile, the account reports XXXX fraudulent account as a collections account that never existed which is XXXX XXXX. The account is showing a XXXX XXXX  account that was closed and never used, and I submitted proof of that. It was removed from my XXXX and XXXX. The account shows XXXX XXXX accounts that were closed because of fraudulent activity. Both the XXXX and XXXX have removed them, but the Transunion reports them as higher balances and as delinquent. In any case, there is an employee out of the XXXX office that is responsible for doing this. That same employee has submitted fraudulent letters and emails to me and I have made police reports as I can not take the law into my hands. That same employee put a block on several other credit accounts to prevent me from obtaining loans. This same employee is related to the family I have been complaining about for the last going on XXXX years. This person took my social security number, and got a job with Transunion and has been doing this since XXXX when I moved into the property at XXXX XXXX XXXX XXXX XXXX. Lastly, the credit issues worsened after a XXXX XXXX moved next door to me there in XXXX I think. I never had any issues with her while she was there, but when I started working at XXXX the whole harassment and issues in the neighborhood started and the stalking and the XXXXXXXX XXXX at me, and her showing up at my places of employment. Nonetheless, there is a story behind this all and it includes my ex-husband, and Pastor XXXX XXXX and his Son by his only wife ( both of whom I never met ), XXXX XXXX 's daughter, and XXXX 's daughter and nieces ( all of whom I never met or interacted with ), and her Brothers ( XXXX is XXXX ), and her Son that lived in the neighborhood ( also of which I never met ). You would need to obtain every ethics report from XXXX from XXXX to XXXX when I resigned, and every FBI report and tip and every XXXX Police Report from XXXX Ohio to help piece everything together.
Product: Credit card

I applied for and received a credit card with American Express on XXXX XXXX, 2016. The bonus offer was XXXX Membership Reward points if I complete XXXX in spending before 90 days ( XXXX XXXX, 2016 ). I completed my spending requirements and was initially given my XXXX points on XXXX XXXX, 2016. Then, because this promotion was made in error by American Express, everyone who was given this card on XXXX XXXX had their points frozen pending a fraud investigation. I utilized the chat function on the AMEX website to voice my displeasure with this event because I needed those points to be available when I was promised them due to booking a family vacation. I chatted with XXXX at AMEX and let him know that I wanted to downgrade my card to another product that utilizes Membership Rewards but that I was worried I would lose my, at the time, XXXX MR points. He assured me not only could I change products, but that I would be given my full annual fee back and I would be able to keep my points, as long as I changed to another card that used those points. I took screenshots of this conversation for proof. I was then told that the review would be 6-8 weeks from when the points posted ( XXXX XXXX ) and nothing could be done to expedite. I waited until that time had passed, and my points were still frozen. I called the Rewards Department at AMEX on XXXX XXXX, 2016 and spoke with XXXX. She told me my account was under additional review because I changed products but there was nothing to worry about, it was OK to change products, and my points would be cleared by XXXX XXXX provided I had not committed fraud or returned mass items. Now today, XXXX XXXX, I logged in to find I had XXXX MR points deducted from my account. I first used the chat feature on the website to ascertain why. I was told it was because I changed products. I asked to speak to a supervisor due to the fact that I was told by XXXX different AMEX employees that I would be OK changing and keep my points. Supervisor said I had to call in to discuss. I called in and spoke with manager XXXX in Rewards and he informed me it could be for fraud, returning, or changing products. I have now had to wait 9 weeks for points I rightfully and legally earned. I did not cheat the system, make mass returns, or violate any policies. I spent, after minimal returns and fee adjustments, a total of {$3500.00} in the allotted time of 90 days, needing only {$3000.00}. I will also include my statements for the time in question to prove that fact. I am asking for assistance in getting my XXXX MR points back that I rightfully earned. I would like to avoid having to obtain legal assistance, but will if I have to.
Product: Credit reporting or other personal consumer reports

I received a copy of my credit report and found the following items to be reported in error. Upon doing a thorough research on my reports I found improper inaccuracies on the reports even after they did the thorough verification. By the provision of the fair credit reporting act I demand these items be investigated and removed from my credit report it is my understanding that you will reverify these accounts with the creditor that posted them. Please remove any information that the creditor can not verify I understand that under 15 U.S.C section 1681 ( i ) a you must complete this reinvestigation within 30 days of the receipt of this letter. ACCT NAME : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights.15 U.S.C 1681 section 602 A. States I have the right to privacy. 
ACCT NAME : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In Accordance with the Fair Credit Reporting act XXXXXXXX  Account # XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 
ACCT NAME XXXX XXXX XXXX XXXX XXXX XXXX XXXX In Accordance with the Fair Credit Reporting act XXXX Account # XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 
ACCT NAME : XXXX XXXX XXXX XXXX XXXX XXXXXXXX In Accordance with the Fair Credit Reporting act XXXXXXXX Account # XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 
ACCT NAME : XXXX XXXX XXXX XXXX XXXX XXXX In Accordance with the Fair Credit Reporting act XXXX Account # XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 
ACCT NAME : XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXXXXXX ) -ACCT # XXXX In Accordance with the Fair Credit Reporting act XXXXt Account # XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. The accounts listed above have multiple inaccuracies that must be verified items such as Account type, account status, date opened etc are reporting dates and amounts incorrectly between the bureaus. Consumer reporting agencies shall not furnish incorrect information unverified from creditor these accounts must be deleted this is defamation to my character I have attached a snippet of the report and highlighted the many inaccuracies on the accounts listed above. Please Assist thank you.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute and demand the immediate removal of the fraudulent accounts and inquires from my credit report due to identity theft. These accounts were opened without my consent, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) to have these items removed within four days. I am also writing to formally notify you that I am a victim of identity theft and request the immediate blocking and deletion of all fraudulent accounts or information related to the identity theft, as authorized by 15 U.S.C. 1681C-2 ( a ). I became aware of the breach of my personal information through the XXXX data breach, which has exposed my personal and sensitive data to unauthorized individuals. 

The fraudulent accounts are listed below. 
XXXX, XXXX - XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX The fraudulent inquires are listed below : XXXX  XXXX XXXX - XX/XX/XXXX XXXX XXXX- XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

I added funds to my account on XX/XX/2020 and it shows that they received the money on XX/XX/2020 but the money has not yet been used to pay off my balance. I have called the company to attempt to get this resolved but they have stated that there isn't a person that can do that.
Product: Credit reporting or other personal consumer reports

I asked for XXXX XXXX XXXX to provide the original contact with my signature. Company failed to provide the information.
Product: Mortgage

We are XXXX citizens who own our own home and are trying to reduce our mortgage payments. We have never missed a payment, but our income has been drastically reduced and we BOTH have been diagnosed and treated for XXXX this year, causing major medical bills. We began filing a mortgage modification with our mortgage holder : Nationstar Mortgage on XXXX XXXX, 2015. Each time we provide the forms they request, they wait a week and ask for more information. Then we provide that information. Then they show they received the documents and when we check the status in few days -- hoping we have been approved- they show they need the same documents again. So we have sent them again. They keep asking for documents like IRS form XXXX, which we do n't file, so we send them the form we do file ( a XXXX on form XXXX ) with a letter of explanation and they ask for the XXXX form again. This is all on the website -- we can never actually speak to anyone when we have tried to call. Then someone will call us ( the caller is only a messenger who knows nothing except what he 's reading on the website ) telling us we need the forms, I explain we have sent the forms and they say send a letter of explanation and we do, then the status shows we still need it anyhow. We have uploaded all the forms and letters of explanation again and still no response. In fact, this morning it showed we only needed to send XXXX more thing ( again, the XXXX form ) so we sent another letter, with documentation from the IRS site showing we file the correct form, a XXXX on form XXXX, and now when we looked it shows we need ALL the forms we have already submitted ... twice. We are at our wits end and have no idea what to do. Can you help us?
Product: Credit reporting, credit repair services, or other personal consumer reports

I just recently looked at my credit profile and discovered that " XXXX XXXX XXXX '' is reporting a debt that does not belong to me. This is a medical debt, so not only have they not verified that it belongs to me but they also have not provided me my XXXX authorization stating they have permission to have my medical information in the first place. I have sent dispute letters to " XXXX XXXX XXXX '' and have not received a response.
Product: Debt collection

I think this debt is from my old roommate in XXXX XXXX, XXXX. I moved away from XXXX XXXX on XX/XX/2018 to XXXX, XXXX when I moved away I called XXXX. They said they can switch everything over in his name and Im guessing that XXXX fail to do that. Im guessing this debt is from my old roommate cause Ive had a outstanding account with XXXX and still have XXXX  to this day and every account I open. So if I owe XXXX   anything how can I have a account now with them now and they havent come to me about owing {$250.00}. So either I owe XXXX nothing or this debt is from my old Roommate in XXXX XXXX. Im in regular contact with him and can have this paid for. I would also like to add that I never got a bill for anything so how am I suppose to know I owed this. I would also like to know dates that this debt was accumulated from or if equipment wasnt returned or what city the debt is from.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute with the credit reporting agencies in regards to inaccurate information reporting on my credit reportsI never received any notifications in regards to the investigation results. It has now been over 30 days, I filed a 30 day demand to comply with the credit bureaus and still have yet to receive any response. 

Initial dispute sent XX/XX/2020 60 Day demand to comply sent XX/XX/2020
Product: Money transfer, virtual currency, or money service

I saw a listing for a apartment on XXXX contact the company they told me to Zelle {$100.00} for the credit check and to see if I had any eviction 's so I sent that on XXXX XXXX then I received a text on Friday, XXXX XXXX to Zelle my deposit of {$1400.00} to secure the apartment so I told her I will send it on Wednesday, XXXX XXXX then Monday, XXXX XXXX I get a text from a man named XXXX XXXX XXXX saying XXXX represent Affordable Realty Corporation and to share my move-in date and screenshot the unit I am interested in so I did and he said it's still available he said I have to apply for it so I told him I did that already with XXXX then he ask for my email and text me back that my application was received and ready for processing so i asked him can I bring the deposit of {$1400.00} when I come to view the apartment and he text back all payments are made online so the payment can be added to my paperwork and complete processing and emailed for approval and come view the apartment immediately so I told him I will Zelle the deposit Tuesday, XXXX XXXX I Zelled the {$1400.00} deposit to XXXX XXXX then he text me back and asked if I could meet him and view the apartment the next day I said yes and I asked what time he never answered and finally he answered then he said I have to pay the attorney fee of {$300.00} before I can see the apartment I told him XXXX never told me about any attorney fee so I told him I will send it tomorrow Thursday, XXXX XXXX so he text me the attorney info her name is XXXX XXXX so I Zelled her {$300.00} he said to hold on until the company 's cashier confirms the payment he text back payment was confirmed and when the lease agreement stamped and emailed to me by XXXX Thursday and then I can meet him Friday morning to view the apartment i asked what time and which email was he sending the lease to he asked which do prefer I said the XXXX email he said he would notify me immediately when it's emailed i never got the email so I asked him where is the email I was ready to go to bed I never heard from him again after that and I text him again and still no answer and that's when I realized I've been scammed I felt so stupid how I felt for this I usually careful about things like this I am always helping others from getting scammed but wasn't careful with myself from getting scammed.
Product: Credit reporting or other personal consumer reports

I'm viewing my Experian Credit report received a few days ago. Experian Credit match has excessive inquires into my information. It's too much to explain here. I'll attach a picture. I have not applied for Credit cards this year and certainly not weekly
Product: Credit reporting, credit repair services, or other personal consumer reports

I notice a fraud statement was posted on my credit reports on XX/XX/XXXX.  It seems XXXX  unlawfully created this statement and it was shared with the XXXX and Experian. I immediately called all three bureaus to get it removed, since I did not issue such a statement. XXXX  and XXXX   immediately took the statements down. The Experian rep said they needed something in writing to take down the statement. I faxed them a written statement and my identification that was on XX/XX/XXXX It is nowXX/XX/XXXXand the statement is still on my report. I never issued such a statement nor do I authorize it to be on my report.
Product: Credit card or prepaid card

On XX/XX/XXXX, I used my credit card to purchase something online which turned out to be a scam. Immediately, after submitting my payment, I realized it was a scam. I logged into the Barclays online account to find that I was not permitted to dispute the issue for 2 weeks. I tried calling their customer support but gave up after 60-120 minutes on hold. I tried calling back over the next few days but kept running into long hold times. I eventually submitted a dispute on this charge online after the 2 week window opened up and allowed me to submit the dispute. 

Credit Card : Barclays Master Card Purchase Date : XX/XX/XXXX Amount of Dispute : {$130.00} XX/XX/XXXX : On XX/XX/XXXX, I received a letter from Barclays. You will see the attached mail from Barclays - Barclays did not believe me and sided with this vendor stating that I supposedly received a package. No package was received. I called the USPS but they had no proof either. 

I have been a great customer since XXXX. I have good credit with no issues paying my credit card consistently. I always pay off my balance - perhaps that's the problem? Even though I knew it was a scam and I never received any merchandise for the purchase, I paid Barclays the {$130.00} since again, I always pay my bills on time. 

I disputed the case again, in writing. 

XX/XX/XXXX I submitted documentation to Barclay again to fight for my case. Finally, you will see that Barclays believed me and said they will issue me credit of {$130.00}. 

XXXX XXXX. I am still waiting for my money. 
I have been calling Barclay many times since XX/XX/XXXX. I do not have it all documented but I called a few times in XX/XX/XXXX. I have documented that I called XX/XX/XXXX and XX/XX/XXXX. Each time the customer service says that I will get my money back and that I should just get it back in 5-10 business days. This has all turned out to be false. 

So, I submit this in deep frustration and disgust with Barclays customer support and handling of this issue. 

So, since XX/XX/XXXX, Barclay has held onto my {$130.00} and not returned it as promised after all this hassle. 

I have closed my account with them in disgust. I expect better customer service and trust in their Customers.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies in my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 

Here is the item I am asking you to verify as accurate : Experian : [ XXXX XXXX XXXX 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: Debt collection

On XX/XX/XXXX I received a call from an unknown number from a person requesting personal information ( birth date ) before they would tell me anything about the nature of their phone call. The person then told me they were a debt collector and I owed a {$100.00} medical debt from XXXX. I requested that this person send me proof of the debt in writing, and corrected my address for them as they had an old address. I did not receive a letter, but received daily automated phone calls asking them to call back and pay this debt. On XX/XX/XXXX I called the debt collector back to ask them about when I would get the letter, and inquire to the credit hit I got that day. The person I spoke with told me they sent the letter and then reported the debt to credit a couple days later, and she told me that I likely just had n't received the letter yet. I asked her how they could report something I was n't even given a chance to validate and pay in writing, and she told me I should have paid it when they called me ( ignoring my rights to have this debt proven to me in writing ). I received the letter today ( XX/XX/XXXX attached ), and the letter has no post mark date on the envelope nor date on the letter so I have no way of knowing when they actually sent it to me. The letter does not have enough information for me to know if the debt is valid ( only name of hospital owed to, not date of service or account or anything else ). In addition, the letter states that I had a " payment arrangement '' with the debt collector that is past due, which is indeed quite false. I do not believe this letter fulfills the debt collectors obligation by law to provide validation of debt to me in writing and therefore they did not follow the law in reporting to credit. I can not get the debt collector to follow the law and they are taking adverse action against me without fulfilling their required duties. I believe this creditor has been bullying me and has not been trying in good faith to fulfill my request for proof of debt.