23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/21 - I disputed inaccurate listings in my credit reports which included an incorrect social security number ending in XXXX, XXXX  XXXX  XXXX # XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX  # XXXX, XXXX XXXX XXXX # XXXX XXXX XXXX XXXX  XXXX # XXXX XXXX XXXX, Experian, and XXXX through letters I XXXX to the credit bureaus. XX/XX/21 - I had not received one response from any of the 3 credit bureaus so I sent another 3 letters to each of the credit bureaus disputing the inaccurate information in my reports. XX/XX/21 - I still had not received one response from the credit bureaus so I sent another 3 dispute letters to experian, XXXX, and XXXX. This is ridiculous! According to the law, the credit bureaus have 30 days to respond to my disputes but, it's now been over 4 months and still not one response. I want you guys to do your job and enforce the law! Please have the credit bureaus remove the inaccurate listings in my reports, including the removal of the incorrect social security number ending in XXXX, XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX  # XXXX, the 30 day late payment from XXXX  XXXX XXXX # XXXX XXXX and the 30 and 60 day late payments from XXXX XXXX XXXX # XXXX and fine the credit bureaus so they stop ignoring people who are trying to fix the mistakes that the credit bureaus have made.
Product: Credit reporting, credit repair services, or other personal consumer reports

this morning I check my credit report and notice that Transunion has opened an inaccurate account ( XXXX XXXX XXXX ) that has been closed since 2017, has damaged my score, and caused me great harm. I would like for the account to be deleted from my credit report. and XXXX XXXX XXXX hasn't gave me my disclosures, per 15 usc 6802b.
Product: Debt collection

Rossi Law Offices XXXX is a collection agency collecting a debt they say I owed the The XXXX XXXX for vehicle excise taxes during two years I lived solely XXXX and had the vehicles registered XXXX. I have written to dispute this claim, but only get back unsigned responses in the form of new bills.
Product: Credit reporting or other personal consumer reports

WAS MY PREVIOUS DISPUTE EVER UPDATED AND HONORED? 

XXXX XXXX XXXX XXXX XXXX XXXX address XXXX XXXX XXXX XXXX MY XXXX ID # XXXX I SEEN FALSE INFORMATION ON MY CONSUMER REPORT INACCURATE INFORMATION : name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX EMAIL XXXX All rent information is false All employers info is false All income information is false ALL INQUIRIES ARE FALSE ALL EMAIL information is false I DEMAND AS A FEDERALLY PROTECTED CONSUMER THAT ALL FALSE AND INACCURATE INFORMATION BE REMOVED AND UPDATED WITH ACCURATE INFORMATION ACCURATE INFORMATION NAME XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX NY XXXX EMAIL XXXX XXXX The Fair Credit Reporting Act ( FCRA ) protects the privacy of personal information collected by Credit Reporting Agencies ( CRAs ) . The FCRA was enacted in XXXX  to promote fairness, accuracy, and privacy for consumer credit reports, employment background checks, and consumer investigatory reports. The FCRA requires companies to remove unverified information from consumer reports if it's disputed. Companies must also notify the credit reporting company if they can't verify the information, stop reporting it, and meet specific requirements for information that can't be verified 26 U.S. Code 7213 - Unauthorized disclosure of information
Product: Credit reporting or other personal consumer reports

This account has been removed already before and I wasn't notified by the company or anyone from that creditor that it will be back on my credit report and They SHOULD'VE NOTIFIED ME as it is a violation of the Fair Credit Reporting Act of 1681N!
Product: Credit reporting or other personal consumer reports

Kindly eliminate these inquiries. I have no information about them, and they were made by the company without my consent.
Product: Debt collection

Transworld Systems received a collection account on me for a medical bill from 2 years ago. It was {$260.00} and the original creditor was XXXX XXXX. It had been billed to my health insurance and I thought they paid it. I tried to refinance the mortgage on my house and when they pulled my credit report on XX/XX/20 they informed me that Transworld had a collections item on there, and because of that I was denied my refinance. I called Transworld on XX/XX/20 and asked them what they did to notify me of this debt before sending to my credit and they told me they sent me a letter. When I asked for proof of it or a date they sent the letter, they admitted to me that there was a mistake and they never sent me a letter to notify me. I explained to them that since they reported to my credit without any attempt to contact me, they needed to clear this up with the credit bureaus and get it taken off my credit and they refused even after I paid the balance. I did a dispute with all 3 bureaus and they all updated it to say " paid in full '' but are still not removing it from my credit. The next week I received a letter in the mail from Transworld notifying me of the account ( the letter they should have sent to me as soon as they got my account ) dated XX/XX/20 so it seems to me they sent it out when I called them on XX/XX/20 to attempt to cover their tracks but they had already reported it to me credit before XX/XX/20.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of fraudulent accounts and inquiries from my credit file pursuant to 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ). I am a victim of a data breach, and the following entries on my credit report were not authorized by me and are fraudulent.

Fraudulent Account : XXXX. XXXX XXXX XXXX - Account # : XXXX - Opened : XX/XX/XXXX - Balance : {$XXXX} Fraudulent Inquiries : XXXX. XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX - Date : XX/XX/XXXX XXXX. XXXX XXXX - Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX - XXXX : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX. XXXX XXXX - XXXX : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX. XXXX XXXX XXXX - Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX - Date : XX/XX/XXXX XXXX. XXXX XXXX - Date : XX/XX/XXXX XXXX. XXXX  - Date : XX/XX/XXXX XXXX. XXXX  - Date : XX/XX/XXXX XXXX. Transcend XXXX  - Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX - XXXX : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX
Product: Mortgage

I am still really confused as to the fees and past due balance being assessed on my account. I received a statement in the mail yesterday. It says I owe {$7400.00}. When I go to the Greentree website it says I owe {$6400.00}. Why are these numbers different? What happened to the left over money from Save the Dream? What is the real past due balance?
Product: Mortgage

This is a complaint about my mortgage lender, Amerihome Mortgage Company , LLC ( XXXX ID XXXX ). Their phone number ( XXXX ) XXXX. 

My complaint is that Amerihome escrows significantly more for real estate taxes than I actually owe. They have done this for nearly 4 months and refuse to respond to my request to stop over-charging and to refund the amount of my excess escrow. I believe Amerihome Mortgage Company 's actions violate my rights under RESPA. 

Specifically, Amerihome has calculated my escrow amount as if my real estate taxes are {$24000.00} per year when the actual amount of my tax is just {$4200.00} per year. I have attached a copy of my real estate tax bill from XX/XX/XXXX that shows my annual tax amount due. 

The reason Amerihome is over-charging me is that Amerihome received and paid an incorrect tax bill of {$28000.00} from the county on XXXX XX/XX/XXXX. When the county discovered that my tax bill was incorrect, it issued a corrected tax bill in XX/XX/XXXX. It also issued directly to Amerihome a full refund of the overpaid amount of {$26000.00} on XXXX XX/XX/XXXX. 

However, Amerihome did not adjust its escrow calculation and has continued to over-charge me. Since XX/XX/XXXX ( after the refund was issued by the county to Amerihome ), Amerihome based my escrow tax payments on the erroneous tax bill and has never changed it. As a result, every month I continue to be charged {$8300.00} by Amerihome rather than the correct amount which is only {$3500.00} per month.

I have spoken with Amerihome and written them about this overcharge and the fact that Amerihome was refunded 100 % of the amount that was overpaid due to an error in tax bill. I have specifically asked Amerihome : 1 ) to correct their miscalculation of my real estate taxes and re-adjust my monthly escrow payment so that it is accurate, 2 ) to refund to me the {$26000.00} refund the county issues Amerihome in XX/XX/XXXX for overpayment of real estate taxes, and 3 ) to refund to me the excess escrow payments they have withheld every month since XX/XX/XXXX. As of XXXX XX/XX/XXXX, the amount I have overpaid is {$14000.00} ( not including any interest I might be entitled to ) and keeping in mind this overpayment continues. In total, the amount I am requested Amerihome refund to me is {$40000.00}.

All of my concerns to Amerihome have been ignored which is why I am filing this Complaint. The deadlines set out in RESPA for Amerihome to respond to my request and to issue me a refund of the money they have wrongly escrowed has long passed. This summary of the dates of some of my communications makes it clear that those deadlines have been ignored. 

These are the dates I complained and requested action via phone or in writing through their website with Amerihome : * XXXX XX/XX/XXXX ( online chat ) * XXXX XX/XX/XXXX ( phone ) * XXXX XX/XX/XXXX ( phone ) * XXXX XX/XX/XXXX ( phone ) * XXXX XX/XX/XXXX ( phone ) * XXXX XX/XX/XXXX ( phone ) * XXXX XX/XX/XXXX ( phone ) Now I am requesting your assistance to get Amerihome to immediately adjust my monthly escrow payment so that it is accurate and to refund the amount they have over-charged me.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair Credit Reporting act XXXX account XXXX has violated my rights 15 USC 1681 section 602 A states I have a right to privacy 15 USC 1681 604 A Section 2, It also states a consumer reporting agency can not furnish a account without my written instruction 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: Vehicle loan or lease

The dealership told me that I was denied because I received social security disability. And stated " you people made me lose over {$80000.00} dollars ten years ago ''. Al awhile I was still qualified for one of their used buy here pay here vehicle.
Product: Student loan

I acquired a new mobile number in XXXX 2015 for business purposes. Not long afterward, I started receiving calls from various creditors of the person that previously had the telephone number. Generally, an explanation would clear up the matter right away. Not so with Navient. For months now Navient has called my line multiple times a day, even after I called back to explain that the student that it had on file no longer had this number and being assured that my phone number was deleted from its system.
Product: Credit card

I purchased a computer using a XXXX XXXX account. The account was later sold to Comenity Bank. Comenity took over billing in XXXX, but never sent me a welcome packet or billing statement. I called Comenity multiple times and asked for an account number but none of their representatives have been able to provide the account number so that I can set up the new account. I can not access my account through XXXX anymore and Comenity will not provide the new payment details, but they are reporting the account delinquent.
Product: Bank account or service

On XXXX/XXXX/2015 I went to use my debit card and it was shut off. I contacted Chase and they told me it was shut off because I was sent a new card in XXXX of this year. I had never received this card, so they said they would send me another card and I should receive it within 5 days. I was told that my old debit card would not be turned back on ; translation - I can not access my money until the card comes. I was able to get the old card turned back on for a few moments in order to empty my account so that I can have access to my money.
Product: Credit reporting or other personal consumer reports

How are you? I hope all is well. I am writing to you because I recently reviewed my latest credit report and I found a few negative items that I have NOT confirmed or accepted to be accurate. Id like to ensure that you have and ONLY RETAIN current, TRUE, CORRECT, COMPLETE, and MANDATED REPORTED information per FCRA regulations. I DEMAND, as it is my lawful RIGHT ( s ) to do so, that you DELETE all information that is deficient of any condition, mentioned above.

I listed below all the information that I found to be untrue, incorrect, incomplete, untimely, not verifiable, and unsubstantiated. I have yet to be provided physical verifiable proof that the claims of negativity within my report are true. Ive noticed several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity.

Furnish information about accounts or other relationships with an accurate consumer.

C - Conduct reasonable investigations of consumer disputes According to XXXX to make a lawful report, you must follow the Metro 2 compliance standards.

Also as stated in the XXXX Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( promptly ), completely, AND accurately as well - or else I would have to escalate these issues to the CFPB , FTC and my Attorney General.

Listed below are the Accounts that are being challenged XXXXXXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX
Product: Debt collection

On XX/XX/XXXX, I received a text message from collection company stating, Greetings XXXX! 

Welcome to XXXX. XXXX XXXX XXXX has asked us to reach out to you regarding acct #XXXX  We're eager to provide you with the most XXXX  account resolution experience imaginable. Visit our friendly portal to make a payment or create your own payment plan. 

Adler Wallach & Associates XXXX XXXX On XX/XX/XXXX, I contacted the toll free number and was told that I owe the medical facility {$21.00} for services that I received on XXXX/XXXX/XXXX. I explained that I never received a single bill from the XXXX XXXX XXXX regarding the amount owed. 
On XX/XX/XXXX, I contacted my medical insurance, XXXX who informed me that my insurance was active during XXXX and they reached out to the collection company and to XXXX XXXX. XXXX stated, XXXX XXXX explained that the collection was sent in an error.
Product: Money transfer, virtual currency, or money service

A few weeks ago, we handled the resale of a diamond ring that was initially purchased 32 years ago from us. The customer 's assistant emailed us wiring instructions to an account at XXXXXXXX XXXX The following business day, before we had sent the wire, we received updated email instructions asking us to instead wire to an account at Chase. We proceeded to initiate a wire for {$85000.00} specifying the account name ( which matched our legitimate customer 's name ), and unknowingly the XXXX and account #, that were attached to a fraudulent account that presumably did not match our client 's name. 

A few days later, the customer called inquiring about the status of the wire. After investigating the stream of emails, it was determined that our client 's assistant 's email was penetrated and a bad actor sent the email with the updated wiring instructions. Our email was not penetrated, however our email was spoofed to send the customer 's assistant an email purporting to be from us saying there was a delay in the wire transfer. 

When we notified our contact at Chase, we were told that the account we had wired the funds to had been depleted. Despite our efforts to escalate this matter with Chase, they have said that they do not have any responsibility to verify that the account name matches the XXXX and account number, even though in this case, the fraudulent account was also opened at Chase.
Product: Mortgage

On XX/XX/2019 I received an email from PNC Bank XXXX my mortgage servicer ) stating that my automatic payment of my mortgage was processed, however I noted the amount was double that of my mortgage payment. I verified with my checking account that two payments were removed on XX/XX/2019. One of which was the authorized mortgage amount of {$2000.00}. A second, unauthorized payment was also processed from my bank account in the amount of {$2000.00}. 
I then attempted to login to my online banking account and was found that I was locked out of my online banking portal with PNC bank. Therefore I could not verify my loan payments having been made and received. 
I then called PNC bank and spoke with a customer service rep ( XXXX ), he alerted me that PNC was aware of the situation and I had two courses of action, 1. receive a mailed check in the amount of my duplicate payment, this check would take 10-14 days via mail. 2. I could go through the verified process to receive a wire transfer in the amount of the duplicate payment. I told him that I could not wait 10 days to receive my funds back and that this was an unauthorized payment made to PNC that they needed to fix this problem. He alerted me that my only other course of action would be to call my personal bank and stop payment on the second unauthorized amount. 
I then called my personal bank, they told me the funds could not be stopped on their end but they were still pending and there was no reason PNC bank could not cancel the transaction in order for my funds to not be taken out of my account. 
- I called PNC bank back, I spoke with XXXX who gave me the same 2 courses of action as I was originally told. When I asked him to simply cancel the second unauthorized payment he told me that PNC bank does not cancel payments ... .. I escalated to his supervisor ( XXXX ) she verified that PNC bank would not cancel the payment on their end, she alerted me that " upper management '' is aware of the situation, she did not know how they would return my funds or when I would receive them but I was to trust her in knowing that they are working on it and my funds would be returned. I asked how they would correspond with me going forward, and she said they would not initiate any communication, I would need to call back to find out more information about my funds. Meanwhile, PNC bank has {$2000.00} of my money that I did not authorize them to take from my account and I have no repercussions in knowing when they will be returned to me, if I will have my funds to pay the rest of my bills for the month and feed my family and I am left with no answers as to when or how my money that they took from me will be returned.
Product: Debt collection

This began on XX/XX/year>. On that day XXXX XXXX XXXX ( No address can be located ) called my mother, my stepmother, my father and my stepsister. They claim they have tried to contact me numerous times which they have not. They claim that this is a debt from US Bank. After being provided a phone number and a case number by my dad ( they gave personal information to him ), I reached out to a XXXX XXXX on XX/XX/year>. I asked her for a validation of debt. They provided me with a XXXX style for via email which was sent by an XXXX XXXX on the same day. The document had an account number and a dollar amount but there was no information as to when this debt occurred nor an address of this collector and there is a threat of placing a lien on my property ( XXXX ) and is not on my credit report. They continue to send me reminder emails and call my family members after I sent a CEAST & DESIST LETTER via email on XX/XX/scrub>XXXX
Product: Mortgage

I received a fixed FHA mortgage XX/XX/XXXX with a payment of approximately {$1500.00} per month. XX/XX/XXXX I was notified by the mortgage company of an escrow shortage due to the facts according to mortgage company the property taxes had been initially incorrectly calculated upon my obtaining the mortgage. Taxes and insurance are impounded with mortgage payment. Due to being on a fixed income I was unable to pay shortage so the mortgage payment was increased to {$1800.00} per month XX/XX/XXXX. I looked at my account recently and the mortgage payment is schedule to increase to {$1900.00} per month beginning XX/XX/XXXX and I am unable to refinance either Streamline or otherwise at this time without having to bring in upwards of {$6000.00} to do so. Mind you this was supposed to be a fixed rate mortgage so I wondering what rights do I have to protest these increases as the miscalculations of property taxes was not my fault but I am suffering due to the mistakes of my mortgage company.