23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Guaranteed Rate Inc is trying to force me to pay past due property taxes that are not owed by me. 

Letter sent dated XX/XX/XXXX stating I have XXXX past due for the year of XXXX. That's incorrect. My XXXX was paid and XXXX. First installment was paid XX/XX/XXXX and second installment was paid XX/XX/XXXX. 

They are picking up an unsecured property tax from XXXX which predates my ownership, which isn't issued to me, and also confirmed with XXXX XXXX XXXX in California that is not owed by me and will not be collected from me. 

I had also gotten a clean title when I refinanced with them. 

The letter said if I don't send proof within 30 days they will pay the outstanding tax and penalties and establish an impound account. They will incorrectly pay someone else 's bill and charge me for it, STEALING from me. They seem to have no interest in fixing it cause why should they? They get to charge more interest to me. This should be considered fraud on their part. 

XX/XX/XXXX XXXX PT, called and spoke to XXXX . Explained the situation and she transferred me to a supervisor named XXXX. Explained the situation to XXXX. I shared my previous experience with XXXX  XXXX XXXX on the matter, and also forwarded her the email of my correspondence with the property tax manager at XXXX XXXX XXXX on how XXXX was trying to collect something that wasn't due and the email shows the name of who actually owe the property tax. She creates a work order for the tax department and says there's a five to ten business days turn around. 

XX/XX/XXXX called XXXX PT I called to follow up. Connected with a person named XXXX. Phone went on silence and after 15 mins, I hung up to call back to CS. The phone lines said the hours of operation were over. They had disconnected me as soon as the hours ended and left me on hold. 

XX/XX/XXXX XXXX PT, called again and connected with XXXX XXXX Transferred to a supervisor again. Connected with XXXX who I had to explain the situation to again. XXXX put in a accelerated request and said there would be a response within 48 to 72 business hours. 

XX/XX/XXXX XXXX PT. Did not get a response from Guaranteed Rate. Called and connected with XXXX. She transferred me to a supervisor XXXX. Explain the situation once again to XXXX. She asks I share documentation, which I explain I already sent to XXXX the first time. Have to re-send the same email to her that I sent to XXXX. She said she is starting another ticket and having them review and requesting their people call the Property Tax dept for XXXX XXXX XXXX, CA if the letter is not sufficient, but the work order will take five business days. 

The 30 days for the letter is up in 2 days on Sunday, and they won't even look or respond before then. I have no reason to believe they will actually respond given the number of times I've contacted them. They will likely automatically add in the previous owners past due property tax, interest, and penalties and charge to me and effectively defraud me of $ XXXX that XXXX XXXX XXXX said I can't reallocate to my actual future property taxes cause I didn't initiate the payment.
Product: Debt collection

First of all, I need you to know that I do not consent to an electronic communications. I request all responses be in writing throughtheusps and I am the person making this complaint & I give cfpb authority to investigate this claim. I am filing to express my frustration about some account on my credit report that I believe is due to identity theft. I need this account removed immediately. Despite my efforts to resolve this directly with the creditors and through your bureau, I've faced obstacles. There's not enough proof to show these debts are valid, and I need them off my report now. According to the Fair Credit Reporting Act ( FCRA ), I'm asking for a quick and thorough investigation into these issues. Please remove this account from my credit report promptly and let me know the steps taken to prevent this from happening again. The questionable account is : XXXX XXXX XXXX XXXX Please delete this fraudulent account immediately from my credit file.
Product: Credit reporting or other personal consumer reports

The debt has already been paid in full but it is still showing on my credit report as unpaid. 
Account : XXXX ( XXXX ) Account : XXXX ( XXXX ) Account : XXXX ( XXXX ) Account : XXXX ( XXXX ) Account : XXXX ( XXXX ) Account : XXXX ( XXXX ) Account : XXXX ( XXXX ) Account : XXXX ( XXXX ) Account : XXXX ( XXXX ) Account : XXXX ( XXXX ) Account : XXXX ( XXXX ) Account : XXXX ( XXXX ) Account : XXXX ( XXXX ) Account : XXXX ( XXXX ) Account : XXXX ( XXXX )
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. 
I told the XXXX, Transunion, and XXXX to reinvestigate these accounts : Account name : XXXX XXXX, Account name : XXXX Account name : XXXX XXXX XXXXXXXX, XXXXHowever, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. 

According to 15 USC 1681 ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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 crimes which antedates the report by more lhan seven years, 15 U.S.C. 1681s-2 ( AX ( 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. 
Also hey aren't even in compliance with metro 2 credit reporting, I have evidence to prove my case
Product: Credit reporting or other personal consumer reports

The following information does not belong to me, I 'am a victim of identity theft. 
Reason Code : This account is not mine and is a fraud. Please delete it from my report. 
Instructions : In compliance with the Fair Credit Reporting Act ( FCRA ), you are required to verify the debt and confirm your original signature by the FCRA 's obligations for validating a debt. And if you can not validate the debt, then the account must be deleted immediately. 
Provide a detailed log of dates and times of attempts to contact our client, and explain your relationship to the alleged account creator. Specify if this is an assignment or a purchase of the account. Also, furnish the account details for the past year and any applicable collection fees or interest. If you're a third-party collector, submit your license or bonding information to confirm your identity. Failure to comply with these questions will result in the removal of the aforementioned fraudulent tradelines from the credit report due to the violation of our client 's consumer and privacy rights. You are hereby required, under the XXXX XXXX 's regulations, to : a ) Validation of the debt refers to checking the accuracy of accounting. 
b ) XXXX of signed Invoice. 
c ) A copy of the Contract binding both parties ( you and them ), in a letter by certified mail so that there is an independent witness to it having been delivered. 
d ) Please provide the original document and a wet signature. If you can't provide these items, then you must delete them. 

Let it be known that XXXX XXXX has suffered substantial financial loss, harm, and aggravation due to this erroneous reporting. With the foregoing in mind, our client prefers to avoid litigation but stands ready to exercise his or her respective rights should the need arise. Nevertheless, our client ( XXXX ) seek the removal of the aforementioned account. And if the accounts are not removed within XXXX days of receipt we shall seek a reasonable settlement offer for {$25000.00} in consideration of the financial loss and distress our client has suffered because you failed to comply with the FCRA statutes. You shall pay on XX/XX/2023, the sum demanded if the accounts listed above are not removed by XX/XX/2023.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the XXXX Credit Bureaus last XX/XX/2023, to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again XXXX  XXXX XXXX Balance : {$2100.00} ; XXXX  XXXX XXXX Balance : {$2800.00}.
Product: Debt collection

Left my insurance company, before due date, security number, car, insurance company, company server, still owe them money, at the time of leaving insurance company, bill was paid in full
Product: Credit reporting, credit repair services, or other personal consumer reports

Please see the 5 BK 'S on my credit report that have been removed and replaced back on my credit report. Dates removed XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX  BANKRUPTCY
Product: Debt collection

Hi, I am from XXXX and I travelled to the XXXX last year in XX/XX/XXXX - XX/XX/XXXX for three weeks. I felt very sick on XXXX XXXX afternoon and went to XXXX XXXX emergency ( in XXXX, CT ). They performed tests, gave me medicine and discharged me in the evening. I gave them my travel insurance details and my XXXX address. 

Yesterday ( XXXX XXXX, 2015 ) I saw a missed call alert on my phone XXXX XXXX XXXX - when I called back on the number - I learned that they are from Optimum Outcomes debt collection agency. The lady on the phone informed that XXXX XXXX forwarded my account to them for debt collection and that I owe them {$4000.00}. 

I then called the hospital and spoke to XXXX XXXX. She informed me that my account was sent for debt collection because insurance company had denied the claim. I told her that hospital had never sent me any EOB or bill or notification of this denial. XXXX XXXX informed me that I was not sent any bill probably because of an XXXX address. 

Can the hospital share my account details with a debt collection agency without giving me any notice? They did n't even send me an EOB. If they had problems in sending communications to XXXX address - they could have asked for a XXXX address ( a friend 's address/office address ) at the time of visit. 

It has been several months since the date of service and I am not sure if the insurance company will entertain the claim. This {$4000.00} equals approx. XXXX XXXX. It is a very large amount that I ca n't afford. If the hospital had informed me of this amount after denial ( they had my home address and email address both ), I could have talked to insurance company in time. 

I am an XXXX citizen living in XXXX. I do not want to have a bad credit history in case I get an opportunity to live in the XXXX in future. 

Requesting your help in this case.
Product: Checking or savings account

In brief, the matter is about an unfair decision in my view regarding your closure of my account in 2018, at which time I resorted directly to XXXX XXXX XXXX CEO of Chase Bank, as I received a phone call from a member of his office, who indicated that such decisions could never be disclosed, and which left me to guess and I did not come up with a convincing reason, as I have not and will not commit what could be considered a violation of banking rules and customs in any way where they closed my bank accounts, which caused a huge loss in addition to moral damage.
Product: Mortgage

On XX/XX/XXXX, lender placed flood insurance coverage in the amount of {$2100.00} was purchased for my home, 18 days AFTER documentation was provided to ServiceMac ( on XX/XX/XXXX ) that a Letter of Map Amendment was issued by FEMA for the home on XX/XX/XXXX, effectively removing the house from a special flood hazard area. The required documentation was provided to ServiceMac via email ( XXXX ) on XX/XX/XXXX and again on XX/XX/XXXX, as well as uploaded to the ServiceMac insurance department website ( www.ihaveinsurance.com/servicemac ) on XX/XX/XXXX and again on XX/XX/XXXX. I have spoken with several representatives at the Insurance Service Center, as well as two supervisors ( XXXX and XXXX XXXX who have sent my documentation to the flood vender, have escalated this issue several times, and have not gotten a response from the flood vender. The most recent communication from XXXX on XX/XX/XXXX was that documentation was sent to the flood vendor, and was escalated a few times and they were not getting a response and she was unsure why. She stated that there was nothing more that she could do on her end and that she recommended I escalate this issue through the customer service department and that they would assign a customer advocate to my account. On XX/XX/XXXX, I called the customer service phone number provided by XXXX and it was documented that a customer advocate had been assigned to the issue. I was asked to call back after XX/XX/XXXX. On XX/XX/XXXX, I called the customer service number and was routed back to the insurance service center, where I spoke with another supervisor XXXX XXXX XXXX who said she would discuss this issue with XXXX. While XXXX has worked hard on this issue and has followed up with me consistently as promised, I have little hope that either supervisor will be able to fix this issue. To date, the cost of the unnecessary flood insurance has not been refunded to my escrow account.
Product: Debt collection

I had a debt of {$29.00} that was in disputed with XXXX that was paid, at least XXXX. The debt occurred around XXXX of 2014, where XXXX said I did n't return a piece of equipment when I left XXXX for XXXX. I did return all items, directly to the XXXX store. I, unfortunately, did not save the receipts on the equipment. That is where the initial dispute occurred. 
I have also called XXXX numerous times, spending hours of my valuable time, being told to call many different and ineffectual departments with no answers. In XXXX of 2014, I received a letter from XXXX XXXX, a debt collection agency for the {$29.00}. I wrote a letter of dispute to them in XXXX of 2014 and I have not received any correspondence from them afterward. 
I eventually came back to XXXX and had to open the account under my wife 's name, as I was unaware that they would not open an account in my name. Since I use XXXX to pay my recurring bills, I paid the XXXX bill of {$180.00}, but, it was sent to the OLD XXXX account number in my name. I contacted XXXX and they would credit the NEW account number for the payment. They did do that, but with the {$29.00} deducted as a past due amount. This would be the XXXX time I paid that amount. The first is the dispute over the equipment. 
I then learned that a new Debt Collections company called Trident Asset Management entered a NEGATIVE entry on my credit profile with XXXX and XXXX for {$29.00}. I again spent hours calling XXXX and Trident to dispute the charges. XXXX, after much time and effort sent me a " Paid in Full '' letter which I forwarded to Trident.Another issue that adds to the complexity for resolution is that these companies change the account numbers so that when we as consumers try to trace the issues backward in time, there are no accurate corresponding account numbers. 
I have spoken to Trident and was told that they did receive the documentation and that they would remove the erroneous entry on my credit profile. I wrote another letter to Trident asking for a " Closure Letter '' and I am still awaiting that. 
I am concerned that Trident is searching through various databases that they have access to that may list outstanding ( paid or not ) debts and sending collection notices to these people, of which I am XXXX of them. I am now resigned to either continue the fight against, who knows how many companies like Trident or XXXX. Even if I give in and again pay {$29.00}, whose to know that this kind of fraud will not continue? I do not see an end to this vicious cycle.
Product: Payday loan, title loan, or personal loan

In XXXX of 2017, my car was towed away from my parents ' house in an effort of SunTrust to collect payment on the car. I did receive the call from Suntrust for the bill to be paid and ask them the send in a mail to my parent 's house to be paid. They said they never received the mail and were told to keep waiting for the mail. once the vehicle was towed away from our driveway, we then get the notice from the tow company to call our debitor. We had plans to pay off the car with the billing they were supposed to send but with the tow fees included, estimated an extra {$1000.00} with the end balance, was something we didn't have at the moment. We tried to reach out to Suntrust to make a payment deal to pay off the car after the deduction of the tow fees but didn't get resolved. After some time, the full amount was paid and we didn't receive our car title and had to get it from a service that was extra charges. All within a 3-month span of the ordeal, my father was terminated from his main job and I was working in XXXX XXXX XXXX base leaving my mother bearing the weight. This has marked on our credit affected my mother, my father, and me from receiving any other help to get back on our feet such as loan, refinancing, lower interest rate, etc from this unfair situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Back  in   XXXX   XXXX   2 016      XXXX   XXXX   posted negative information on my credit history. I disputed with Equifax and the other  XXXX  credit reporting agency o n   XXXX   XXXX  , 2016, a nd the negative information was removed from my account o n   XXXX   XXXX  , 2016. E quifax gave me a confirmation #  XXXX  after deleting the negative information.   Afte r one year  the same negative information reappeared under different collection agency (  XXXX   XXXX   XXXX   ). Eq uifax did not send me any letter and did not help me remove the negative information. The amount in dispute is {$170.00}. All the credit agency also have many wrong addresses on my file. I was told I can not do it online but I have to call them. When I call the number provided, they phone keeps disconnecting and unable to reach a customer service rap. I never lived at  1 )   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  Colorado  XXXX   2  )  XXXX   XXXX   XXXX   XXXX   XXXX  CO  XXXX   3  )  XXXX   XXXX   XXXX   XXXX   XXXX  CO  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity was stolen in XX/XX/XXXX. I discovered it XXXX XXXX, XXXX and notified the 3 major credit bureaus and every single institution that ran a hard inquiry or opened an acct. I did both online and by sending letters via US mail. I also placed alerts and freezes with all 3 agencies. I filed a report with FTC as well. 

Unfortunately, XXXX XXXX XXXX issued a fraudulent acct. with my stolen personal information due to lack of diligence on their end. Fraudulent charges of $ XXXX were charged in my name. This dropped my credit score from the low XXXX to XXXX and placed me in a " poor credit '' category. This affected both my personal life and my XXXX XXXX 

After several months of following up with XXXX XXXX XXXX XXXX, they finally issued a letter stating the account was not mine. They also said that they notified the 3 credit reporting agencies to remove the account and hard inquiries. XXXX XXXX and XXXX have done so. Equifax has not removed the fraudulent account despite both XXXX XXXX XXXX and myself requesting it. 

Equifax 's online system does not allow me to upload the letter from Consumers requesting the fraudulent account be removed or the additional back up emails that I have confirming the account was opened with stolen personal information. I have tried to reach them by phone but the hold time is unreasonable. 

I am requesting that the fraudulent account and other hard inquiries obtained from XX/XX/XXXX - XX/XX/XXXX be removed and my original credit score be reinstated.
Product: Prepaid card

I received an American Express gift card from my employer as a XXXX gift. So far I have not been able to use the gift card via XXXX XXXX or XXXX, or directly through XXXX or XXXX. I am also not able to check my card balance online due to a system error despite trying on XXXX or XXXX different devices and operating systems. As far as I'm concerned Amex is holding the money XXXX. My employer used their points to purchase the card so right now Amex is in possession of both the value of those points as well as the value of the gift card. They need to figure out a way to make this money usable to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX  XXXX  Agencies have violated my rights. 
* 15 U.S. Code 1681 Section 602 States I have the right to privacy.

*15 U.S. Code 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. Code 1666b : A creditor may not treat a payment on a account under an open end consumer credit plan as late for any purpose.
Product: Debt collection

I am receiving repeated phone calls ( now daily ) from various XXXX XXXX telephone numbers. I know them to be a debt collector, yet I have no outstanding debts. Calls received from : ( XXXX ) XXXX - received at XXXX XXXX on XX/XX/2019 ( XXXX ) XXXX - received at XXXX XXXX on XX/XX/2019 ( XXXX ) XXXX - received at XXXX XXXX  on XX/XX/2019 ( XXXX ) XXXX - received at XXXX XXXX on XX/XX/2019 Those are just the most recent calls.
Product: Credit reporting or other personal consumer reports

A late payment was reported on my account. I usually get notifications from lenders when payment is due, but this lender failed to contact me and rather went ahead to report a payment that was not due. My credit score dropped by XXXX points a result. 

I want this late payment removed from my credit report.