23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

AmeriHome was the servicer of our refinance in XX/XX/2021, and they told us our payments would be $ XXXX for a 20 year mortgage. One year later, after getting billed $ XXXX, we got a notice of an escrow shortage of over {$2000.00}. ( Not because tax increase or insurance increase ) They had been billing us the wrong amount, and we never would have signed off on the contract if they had told us how much the payments should have been from the start! I believe they gave us a low number to get us to sign with them, but of course I do not know the name of the agent who helped us. Additionally, our mortgage has since been transferred to another servicer. ( XXXXXXXX XXXX XXXX
Product: Mortgage

I purchased my newly built townhome in XXXX. This XX/XX/XXXX, my mortgage company Amerihome Mortgage increased my monthly bill by {$1300.00}, claiming my tax property increased. This does not make sense and after some researching, I've found out that the tax was for the whole building and not for my one unit out of the four. Basically they are saying that I have to pay a XXXX sq feet townhome unit a tax of {$16000.00} for year XXXX when it was supposed to be a quarter of that. They made me called my county and I did and the county provided me with a new parcel id in pdf form and corrected my tax assessment. However, my mortgage company until now is saying that they've already paid about {$8000.00} in tax ( semi annual ) and that they have called the county who can not provide the correct tax amount and that they needed proof ( which I already provided with the pdf that the county sent me ). I did not pay my XXXX bill because they are supposed to be investigating and it is in the late payment status which I fear will affect my credit. They are not giving me a time that it will be resolved and that it has been causing me a lot of stress and XXXX. When I asked them why did they just pay my tax without thinking how insane the amount is, they said it is required by law of what was bill to them. I don't understand why they would pay on my behalf if my finance is not in their best interests and that they do not do any due diligent to before paying my property tax and now forcing me to pay the amount that they've made a mistake on.
Product: Credit reporting or other personal consumer reports

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Product: Debt collection

Someone unknown to me used this credit card for a period of about 1 month. The issuer had notified me that they were discontinuing the service and I. 

When I received a statement reflecting charges I contacted the bank by phone, told them I had discarded the card and that the charges were not mine. 

Since then I have not received a response from the bank but continue to receive statements and numerous threatening phone calls. I 'm a XXXX senior ( XXXX ) on a fixed income and the continuing harassment is taking it 's toll on my well being and state of mind.
Product: Credit card or prepaid card

After only nine months, Capitol One ended my 0 % interest promotion which was supposed to be for 12 months. I called 2 separate times and talked to agents in the XXXX XXXX to get it corrected. They told me many false and conflicting statements. Basically tried to brush me off. When I requested a customer agreement, which I received via online document, it had no verbage or statements about my 0 % interest promotion for 1 year, which they told me it would definitely have. But I read through it several times and it made no mention of it. 
On my second call I explained how the customer agreement was missing that important information and the representative XXXX from XXXX told me it should be there and that was the only written documentation I was ever going to get from Capitol One regarding my cardholder agreement. He told me his system showed 8 months ws the agreement, but he could not produce any written documentation to me what he claims he was seeing. He offered me no other recourse.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am becoming more and more frustrated with your company. Upon finding these errors being reported on my credit report I have taken the necessary steps in order to inform you all of the errors. Nevertheless you all are not doing your part to resolve my issues. My family and I are becoming very impatient. My attorney told me to send this letter in order to alert you all of these errors before taking legal action. I am a person that goes to work everyday in order to make sure my family have equal opportunities just like everyone else. I am a consumer that refuses to be a victim of harassment or abuse. According to 15 USC 1692d 1. ( 1 ) the use or threat of violence or other criminal means to harm the physical person, REPUTATION, or property of any person ; is a violation of the Fair Debt Collection Practice Act. Reporting false information on someone's credit report is detrimental to a consumer 's reputation. Sending letters an a attempt to collect debt from a consumer who debts do not belong to is also a form of harassment which is another violation of 15 USC 162d 1. ( 1 ) Constantly sending mail that has symbols of a debt collector on the outside of letter is a violation of the use or THREAT OF VIOLENCE or other criminal means to harm the physical person, reputation, or property of any person ; is an violation of the Fair Debt Collection Practice Act. Also according to 15 USC 1681 ( A ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and GENERAL REPUTATION OF CONSUMERS. You can review my credit report as evidence to see that my reputation in fact has been ruined. This section clearly says that a consumer 's credit report was established to identify a GENERAL REPUTATION OF CONSUMERS. Also, I stated before I was a victim of the Equifax Data Breach.
Product: Checking or savings account

XX/XX/year> I was a victim of identy theft. A unknown person opened a personal a personal loan in my name and XXXX checking accounts in my name without my knowledge. They also when into my personal checking account and committed fraudulent XXXX  transactions from my personal checking account into the XXXX fraud checking accounts that was open in my name. Citi Bank never notified me when all of these transactions was taking place. I called customer service, and I was forwarded to the fraud where i had to make a police report, id verification, signature verification. I received notice that the case was resolved but Citi bank has not given me my lost funds back. I been constantly called and I get the run around and unanswered questions every time. it has been XXXX XXXX and they still have my account on hold.
Product: Credit reporting, credit repair services, or other personal consumer reports

The XXXX XXXX  XXXX loan with XXXX is improperly stating that I was late 119 days. I produced a letter showing the payment deferment status. The credit bureaus continue to improperly report which caused a 68 point drop in XXXX. I am seeking to apply for a new car loan and with the current status I am unable to get approved due to the 68 point drop. I emailed and faxed the letter showing payment status for the time frame that the Trans Union, XXXX, and XXXX  show as being late 119 days. Please help!!!!
Product: Credit reporting or other personal consumer reports

I HAVE REVIEWED A COPY OF MY CREDIT REPORT AND THERE IS MULTIPLE ACCOUNTS THAT I HAVE NOT OPENED WITH ANY OF THESE AGENCIES. I HAVE CONTACTED EACH COMPANY WHO FAILED TO PROVIDE ANY ORIGINAL WET INK SIGNATURE CONTRACT ACCORDING TO SECTION 609A OF THE FAIR CREDIT REPORTING ACT. I AM REQUESTING THAT THE FOLLOWING INFORMATION BE DELETED FROM MY CREDIT REPORT IMMEDIATELY. FAILURE TO DELETE WILL RESULT IN A LAWSUIT AGAINST EACH AGENCY REPORTING FRAUDULENT INFORMATION TO MY CREDIT PROFILE. SECTION 605B OF THE FCRA REQUIRES THIS INFORMATION TO BE PERMANENTLY DELETED WITHIN 4 BUSINESS DAYS OF RECEIPT OF THIS INFORMATION. 

XXXX # XXXX - {$13000.00} THIS ACCOUNT IS INVOLVED IN LITIGATION. THIS ACCOUNT IS NOT MINE. 1099C NEVER FILED AND CLAIMED AS BAD DEBT BECAUSE ACCOUNT IS FRAUDE TD XXXX XXXX # XXXX {$3600.00} THIS ACCOUNT IS INVOLVED IN LITIGATION. COMPANY FAILED TO PROVIDE WET INK SIGNATURE CONTRACT PURSUANT TO SECTION 609A OF THE FCRA. 
XXXX XXXX XXXX # XXXX {$19000.00} THIS ACCOUNT IS FRAUD, SECTION 605B REQUIRES TO PROMPTLY DELETE WITHIN 4 BUSINESS DAYS. COMPANY FAILED TO PROVED WET INK SIGNATURE CONTRACT. NO 1099C FILED TO CLAIM AS BAD DEBT BECAUSE ACCOUNT IS FRAUD. XXXX XXXX XXXX IS NOW COMMITTING FRAUD. 
MERCHANTS ACCEPTANCE # XXXX {$4000.00} THIS ACCOUNT IS INVOLVED IN LITITGATION XXXX 
XXXX XXXX XXXX # XXXX THIS ACCOUNT IS INVOLVED IN LITIGATION. 
XXXX XXXX XXXX  # XXXX - {$550.00} THIS ACCOUNT IS FRAUDULENT, DELETE WITHIN XXXX BUSINESS DAYS XXXX XXXX  # XXXX XXXX THIS ACCOUNT IS INVOLVED IN LITITGATION. THIS ACCOUNT IS NOT MINE. THIS ACCOUNT WAS CHARGED OFF. 1099C NEVER FILED ON CREDITOR TAX RETURN WHICH IS FRAUD. CREDITOR CAN NOT PROVIDE COPY OF WET INK SIGNATURE CONTRACT
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX XXXX  XXXX XXXX  Account # XXXX, XXXX XXXX XXXX XXXX. 
Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX  Account # XXXX, has violated my rights. 

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
Product: Mortgage

My hazard Insurance was due XX/XX/18, my escrow company didn't send the payment. Then escrow sent several payment with the wrong amount and canceled a payment. Three payments were sent. My insurance was finally paid correctly XX/XX/18. Now my escrow/lender is saying I'm behind on my escrow by over {$1000.00}. I am not behind, they have taken the correct amount every month with my payments. I've called 4 times, being on hold over a hour each time. Each time someone has a new idea why the escrow is short. They say someone will work on it and call back. But they have never called once. They are also saying I cashed a check in XXXX but of course no one can prove I signed it, which I don't believe I did. Now the lender/escrow want to raise my payment by {$87.00} because they can't get the records correct. I really feel I need some assistance with this Servicing Company Embrace/XXXX has hired.
Product: Credit card

I am disputing the collection account with XXXX XXXX XXXX XXXX XXXX, account number XXXX, dated XX/XX/year>, with a balance of {$490.00}. This account is unverified and does not belong to me. Despite my efforts to resolve this issue by contacting both the collections agency and the original creditor, I have not received any satisfactory resolution. I request an immediate investigation into this account and demand that XXXX XXXX XXXX XXXX XXXX, provide verifiable proof of ownership and validity of this debt. I expect a swift response and the removal of this erroneous information from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). I had my identity stolen and this account must come from that.
Product: Credit reporting or other personal consumer reports

I was trying to buy a house and all of these negative items appears on my credit report. According to the laws 15 U.S.C 1681 law damage on my report. Remove all fraudulent account immediately. This is a defamation of creator. This for Tran Union, XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX & XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX and XX/XX/XXXX I had Request and Send TwiceTo EXPERIAN and XXXX Credit report To Update My Personal Information, Because the Information and Address they have are incorrect. I have only one Address, one Name, one SS #, one Phone #, one Employer But Experian Refused To update My INFO, They have Address in my File that I never Live in and Never Knew About. I Have Sent All MY Documents To Them, all I need for them To Remove Those Addresses include po box and They refused To Because Post Office will never deliver To Inaccurate Address. 

I Had Sent Them Everything CERTIFIED MAIL
Product: Credit reporting, credit repair services, or other personal consumer reports

I have many credit inquiries on my credit report that I NEVER authorized or approved. I been battling with identity theft for some time now and these inquiries are not any that I inquired about MYSELF nor did I approve anybody else to act on my behalf to obtin these inquiries. ALL OF THE FOLLOWING INQUIRIES ARE FRAUDULENT AND UNATHORIZED AND I WOULD LIKE THEM REMOVED AS SOON AS POSSIBLE. THE INQUIRIES ARE : XXXX XX/XX/ XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/2022 ALL OF THESE INQUIRIES ARE FRAUDULENT AND UNATHORIZED AND SHOULD BE REMOVED ASAP BY ALL CREDIT REPORTING AGENCIES THAT ARE REPORTING ALL OR ANY OF THESE INQUIRIES.
Product: Mortgage

A revised tax bill was issued by my county on XX/XX/XXXX. Chase paid the incorrect ( old ) amount from our escrow account on XX/XX/XXXX. I have contacted the county by telephone and confirmed that Chase is responsible for retrieving the bill from the online system based on the parcel number. They did not do this prior to disbursing the wrong amount. The incorrect payment was rejected by the county and left unpaid. On XX/XX/XXXX I called to inquire why the corrected tax bill had still not yet been paid since there was no escrow shortage. I was simply told someone would investigate it. On XX/XX/XXXX I followed up with XXXX in the tax department and was assured that this would be corrected before the delinquency date of XX/XX/XXXX. To ensure Chase had the correct amount, I also uploaded the new tax bill into the secure documents center online. On Tuesday XX/XX/XXXX I contacted XXXX again for an update and she had no new information. I let her know the amount due now includes a late fees and penalties. XXXX seemed very inconvenienced by my concerns and insisted the department handling my issue was a non-touch department that I was not permitted to communicate with. I requested her to escalate the issue. On XX/XX/XXXX I uploaded the Error Resolution Notice under 12 C.F.R. 1024.35 to the Chase secure documents center describing the issue and what needed to be done. On XX/XX/XXXX I called again and spoke with XXXX who advised me any late fees and penalties would actually paid from my escrow account as it is the mortgagor 's responsibility to send over the tax bill to Chase. I reminded her that this tax bill was sent over prior to the delinquency date on XX/XX/XXXX but Chase did not to pay on time. Eventually I was transferred to XXXX XXXX who assured me she would have this resolved and call me back by end of business XX/XX/XXXX. As of today XX/XX/XXXX, the correct amount of the delinquent tax bill has still not been paid and no one from Chase has attempted to contact us. I tried to call and speak with XXXX XXXX but XXXX said no one from the supervisor department is available and all she could do is submit yet another request for follow up.
Product: Student loan

I have a two private loans with the lender Navient for my XXXX degree. My school has been disbanded, closed and involved in many legal lawsuits due to many fraudulent mishandling with students, so much so, the school closed in XXXX. The XXXX XXXX XXXX XXXX XXXX has even granted me my borrowers defense application and erased my federal student loans. My degree can not be transferred to another school to further my education because the credits do not count, neither does my degree. 
On XX/XX/XXXX, I submitted a school misconduct application with Navient and provided more than enough documents to show how this school fraudulent. I was sent an email on XX/XX/XXXX, stating my application was denied. I called the Navient school misconduct number at XXXX and I was told they could not give me or provide me a reason as to why they denied it. They also told me I could not appeal the decision and if I wanted to extend my forbearance I would have to give them money up front to do so. I am unable to refinance my student loans with XXXX XXXX XXXX because the school 's name doesn't even exist. Causing financial hardships. The XXXX database of accredited XXXX XXXX and XXXX does not recognize this school.
Product: Money transfer, virtual currency, or money service

I talked to Sigue Money Transfers and they stated the platform had fallen and that is why the money wasn't available in XXXX and XXXX XXXX. I talked to them about 1 week after that asking why I hadn't heard from them and they stated that they would cancel the transfers and refund the money in 30 days to the agency in my name. I had a family emergency because my dad passed away and was in XXXX for awhile. Ever since I returned from XXXX on XX/XX/XXXX I have tried contacting them. I have been on the phone for up to 6 hours and have not been able to get in contact with anyone. I have tried emailing the company as well to the email I used to send my emails to and it has not gone through saying that the email failed. The amount that the company owes my customers is {$6500.00} and the commission owed to us for the month of XXXX is {$140.00} bringing that total amount due to {$6600.00}.
Product: Mortgage

Hi my name is XXXX XXXX and I have been dealing with PennyMac to obtain a loan modification to be able to keep my home at an affordable payment. I initially applied over two years ago and have never been given a proper review, I have been denied for multiple reasons. I do believe my lender is engaged in predetory lending and additionally i do not believe Penny Mac has the promissory note or deed of trust. Over all I am confident my lender has violated my homeowner bills of right and is often involved in dual tracking.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had two problems with Experian. I froze my credit as I was impacted by the XXXX breech. Their website that allows for removal of the freeze did not work for a month. I finally gave up and removed the freeze by mail which took another 2 months. This week starting on XX/XX/XXXX I attempted to dispute an erroneous {$95.00} collection from a collection agency for XXXX XXXX that appeared on my report on XX/XX/XXXX that was incorrect as it appeared 2 years after we moved without a single correspondence from XXXX XXXX who had our forwarding address. It turns out that we received a refund check for {$95.00} for overpayment of a gas bill in XXXX of XXXX. Someone at XXXX XXXX erroneously billed us for the same {$95.00} in XXXX of XXXX. I am in process of receiving the documentation from XXXX XXXX. I registered a dispute with XXXX and XXXX with their online website without a problem. Experians dispute center has been down for 4 days and you cant get to them by phone. This issue has trashed my XXXX credit score and Experian Is standing in the way of a mortgage approval. This is a terribly run company. Why have they not been shuttered given the millions of complaints against them. I am a XXXX on a Bank in XXXX and the Federal Reserve and the FDIC would have removed management and the Board if we had this number of consumer complaints. Please do what right and hold this company responsible for its terrible record in serving the public.
Product: Credit reporting, credit repair services, or other personal consumer reports

In according with the Fair Credit Reporting act XXXX, Account name- XXXXXXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C1681 Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit card or prepaid card

Someone opened a fraudulent account with Capital One on XX/XX/2018, for the amount of {$300.00} without my consent.
Product: Credit reporting or other personal consumer reports

I am formally disputing the presence of an inaccurate account on my credit report. Despite my repeated attempts to rectify this issue directly with the creditor, the erroneous account remains on my report, negatively impacting my creditworthiness and financial standing.

I have diligently followed the proper channels to dispute this account with the creditor, providing documentation and evidence to support my claim. Despite these efforts, the account remains unresolved and continues to adversely impact my credit profile.

I request a thorough investigation into this matter and the prompt removal of the inaccurate account from my credit report. Its presence tarnishes my creditworthiness and undermines my ability to access fair credit terms and financial opportunities.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 U.S.C 1681 section 602 A. Statesl 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 infornmation, other than records of convictions of crimes which antedates the report by more than seven years.

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




I sent a letter to XXXX, XXXX, and Equifax on XX/XX/2022. Its been well over 30 days, I still have received anything back. 
According to 15 USC 1681i ( @ XXXX ) XXXX, XXXX, and Equifax have 30 days to respond to my dispute. 
This a violation of my rights.