23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

In XXXX 2016, my mortgage company ( ditech ) completed a new escrow analysis and erroneously entered a duplicate property tax amount of $ XXXX- which in turn caused my escrow estimated payment to nearly double. On XXXX/XXXX/2016, I contacted ditech via phone and brought the error to their attention. The representative confirmed the error and assured me that it would be corrected. From XX/XX/XXXX-XX/XX/XXXX, I continued paying my normal mortgage payment amount. No further correspondence was received until XXXX/XXXX/2016, when I was contacted via phone by a ditech rep. and advised that I was now " delinquent '' on my mortgage payment since the ( inflated ) mortgage payment was not being paid. I was also informed that I was now accumulating " late payment fees ''. I advised the rep. of the incorrect escrow analysis and my prior contact on XX/XX/2016 to which I received a " sorry, there 's nothing we can do '' response. After a lengthy discussion, I was eventually transferred to a customer service representative, who subsequently contacted my local property tax office and confirmed the proper tax amount. Even after she acknowledged that ditech had not only mistakenly duplicated the tax amount, but had also failed to correct it on XXXX/XXXX/2016, and also failed to notify me of the failure to correct it -- I was still told by this customer service representative that I was " responsible for paying the incorrect amount due anyway '' and that " when ( they ) eventually sorted it all out, the difference would be applied to my principal ''. I have since received several additional phone calls, attempting to collect these erroneous escrow and late fees ; threatening that if I do n't pay, my credit could be impacted, etc.. Since purchasing my home, I have always paid my proper mortgage amount, on time. I do n't understand how I can be held responsible for ditech 's ( admitted ) mistake. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have never had a pay day loan or rent pay loans ever Fraud alert
Product: Debt collection

I am writing to formally dispute and escalate the removal of an account from my credit report that I believe has been reported inaccurately. Despite my previous attempts to resolve this matter, it remains unresolved, and I am requesting immediate attention and action. 

Details of the Disputed Account : Creditor Name : [ National Credit Systems ] Reported Account Status : [ delinquent/derogatory ] Date Reported : [ XXXX XXXX ] Amount : [ {$15000.00} ] I have previously submitted a dispute on [ XX/XX/XXXX & XX/XX/XXXX ] regarding this account, but as of today, I have not received a satisfactory resolution. I request that you review this matter thoroughly and remove the account from my credit report for the following reasons : [ This balance is incorrect, and I have no knowledge of this company. Also, when I called the phone number provided on my credit report, that company had no knowledge of the debt but had my name in their database. That company then transferred me to someone stating that they were a lawyer and that I needed to pay that amount in full before they take legal actions. Upon asking multiple questions, the person was very rude to me and demanded money from me which made me feel uneasy. ] [ On the date of XX/XX/XXXX, this account closed resulting in the decrease of my credit score. Then a week later, the same account appeared back on my credit report. ] Given that the information in question has not been correctly addressed and continues to negatively impact my credit score, I request that you expedite this process and remove the disputed account from my credit report.

I would appreciate a prompt response within the legally required 30-day period. Please provide a written confirmation of your actions regarding this matter and an updated copy of my credit report once the account is removed. 

Thank you for your attention to this matter. Should you require any further information, I am happy to provide it to facilitate a swift resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are some inquiries on my report that after contacting the company and trying to get more information they were unable/refused to give me info to verify the account because whoever set up the account used information that I don't know outside of my personal information so they said i had to file a ftc report . Not sure how its to protect me if I am telling them that I am me and i never set the accounts up. I have attached a copy of the Identity Theft report as well as copy of my ID. The accounts that are fraudulent are as follows : US DEPARTMENT OF EDU State inquiry occurred on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX that occurred on XX/XX/ and there is XXXX that occurred on XXXX 
The only thing that makes sense is someone at the lending company misused my info because I was preapproved when i purchased my home so I never gave my info to have them to check for financing. When I called the lender they confirmed they never tried to run my credit because I had a preapproval that covered the cost of the home.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently mailed Transunion a letter disputing items appearing on my credit report, which they maintain. Transunion response to my letter was to deem my letter " suspicious '', implying it was not written by me and furthermore in a threatening to report my letter to law enforcement and/or state and federal regulatory agencies. Transunion response is ludicrous. 
Absolutely nothing in my letter could reasonably given rise to the suspicion that it was not sent by me. The classification of my letter as " suspicious '' is an incredible stretch of the term.I did in fact write and send the letter in question and you are attempting to circumvent the statutory investigation period defined by the FCRA. Transunion is still bound by the 30 day investigation period which has now lapsed. Please remove the following items : 1. This account resulted due to identity theft. 
XXXX XXXX XXXX Account Number : XXXX Please remove this account from my credit report immediately! 

2. Identity Theft XXXX  XXXX  Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 

3. This account resulted due to identity theft. 
XXXX Account Number : XXXX Please remove this account from my credit report immediately! 

4. This account resulted due to identity theft. 
XXXX XXXXXXXX XXXX Account Number : XXXX Please remove this account from my credit report immediately! 
I demand Transunion conclude investigation by deleting the items in question and sending me a free copy of my credit reporting showing the changes have been made. 
I'm VICTIM OF IDENTITY THEFT.
Product: Checking or savings account

On XX/XX/2021 the XXXX approved of me an XXXX XXXXXXXX XXXX for XXXX $ & another part for XXXX $ I went to the first horizon ( my bank ) to make a withdrawal.. 

The bank didnt touch my XXXX $ but when I got the XXXX it went through & was in my account it posted. 

I went to the teller trying to withdraw XXXX $ so I can put my deposit down for my XXXX store. I heard the teller on the phone with her XXXX. She personally flagged my account and they wouldnt release my funds till I gave them my tax returns & my business license. 

I gave them both of those things they requested my account is still negative. XXXX XXXX 

I feel discriminated because of my age and race! This is not right. I am looking for lawyers now because this whole situation is utterly ridiculous!!
Product: Credit reporting, credit repair services, or other personal consumer reports

EQUIFAX IS REPORTING INCORRECT INFORMATION. I DISPUTED THE ERROR BUT THEY FAILED TO CORRECT THE ERROR. 



RE : ACCOUNT # XXXX XXXX XXXX Joint Installment Loan {$7600.00} Date of Loan : XX/XX/XXXX, Charge-off To EQUIFAX, The Fair Credit Reporting Act provides protection against the misuse and misreporting of your credit information. When creditors, collectors, or credit reporting agencies violate the provisions of the FCRA, consumers have the right to force alleged creditors to report accurate information. The FCRA governs the behavior of consumer reporting agencies. 
EQUIFAX IS IN VIOLATION OF THE FCRA. 
VIOLATION : Furnishing and Reporting Inaccurate Information The above referenced loan is being reported inaccurately and needs to be removed immediately or I will take legal action to enforce my rights. 

In order to report this account the CRAs, must provide proof this is a valid debt and a the money is owed as alleged. Please see the California laws regarding loans. 

California Commercial Code Section 3303 ( b ) Citing UCC 3-303 ( b ) ( specifically, California Commercial Code Section 3303 ( b ) ) the Court of Appeal held that negotiable instruments, including a promissory note, are subject to the defense of lack of consideration OR proceeds. Consideration is defined as " any consideration sufficient to support a simple contract. '' Lacking Consideration Is Not Enforceable XXXX v. XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX  Court of Appeal, Second District, Division 3 ALL LOANS REQUIRE CONSIDERATION ( PROCEEDS ) TO BE LEGAL I have requested you to provide proof of the consideration for this alleged loan/debt. I have asked you to provide the proceeds check or disbursement check for this alleged loan of XX/XX/XXXX. Show me where you paid me the funds you are alleging I now owe. Under California state law as well as under the FCRA you must provide proof of this in order to furnish this information to the CRAs or you MUST delete this information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I see inquiries reporting to my credit report that I do not recognize.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'M A VICTIM OF IDENTITY THEFT
Product: Prepaid card

I am filing this complaint because I have not received multiple Refunds from purchases at XXXX. I used the Debit Card Company Chime. Chime states they can not locate the transactions, it is suspected that the transactions are not located because the Merchant XXXX, charges a temporary hold on online transactions. 

Chime stated that the refund was processing from XXXX, it never arrived, I have been waiting patiently. 

I will attempt to attach the receipts from XXXX, Communications with Chime, and copies of the transactions on my Chine Account. 

I spoke with Chime 's customer service on XX/XX/XXXX, they could not assist me with locating the refunds. 

XXXX stated they Refunded transactions : {$140.00} XX/XX/XXXX {$58.00} XX/XX/XXXX {$53.00} XX/XX/XXXX {$66.00} XX/XX/XXXX {$47.00} XX/XX/XXXX {$280.00} XX/XX/XXXX The money is still missing from balance today.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX zelle hacked me and over XXXX was sent to a XXXX. 
I was calling customer service for zelle and turned out it was hacked but they still had it in there system. At that moment I was currently XXXX XXXX XXXX  and I felt helpless because I reported it to XXXX and they reimburses me but then took the money out my account and held me responsible to pay them back. I then was flagged by them and was not able to open a checking account until I would pay it off. I showed them all the proof yet nobody believed me. I ended up paying until XXXX and opened a new account. But I have the previous account number and I know they didnt do anything since the saw me young and XXXX  not being able to do anything but XXXX. 

Zelle and XXXX failed to investigate my claims adequately. They told me that unfortunately recovering lost fund was impossible and that tracking this transactions was unfeasible. The CFBSs findings indicate that zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users like me vulnerable to scams.
Product: Credit reporting 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. 

Account Name : XXXX XXXXXXXX Account Number : XXXX 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 the following items of information Any other adverse item of information, 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have previously requested from all three credit bureaus : XXXX, EQUIFAX, and XXXX the complete removal and deletion of the Public Records and Inquries listed in my credit file. All three credit bureaus are stating they have verified the information. 

The credit agency has not verified any records as they have stated. They have stated they have verified these records with XXXX XXXX which is a third party verifier. My records with XXXX XXXX have been frozen and suppressed before filing the complaint with the credit agency. In addition I have sent a letter to the aU.S. Bankruptcy court and their response was they DO NOT verify any PUBLIC RECORDS with any credit bureau. ( See attached letter ) In addition I have attached the a publication from XXXX regarding the Law that took effecXXXX XXXX. If a bankruptcy is listed in a credit report it must contain the full name, Date of Birth,  and Social Security Number XXXX please see attached publication. 
In addition per law I have requested a copy of documents from the credit agency that they used to verify the Bankruptcy and INQUIRIES listed on my credit report by law they must provide this documentation to the consumer if requested. 

Under the FAair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your files at the time of request comcerning the accounts thaty you are reporting in my credit report. Please do n't respond to my request saying that these accounts have been verified. Send me copies of the documents that you have in your filesthat were used to verify them. If you dont have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under SECTION 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccuracte and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. 
Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with verifiable proof that yiu have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. Please provide me with a copy of an updated and corrected credit report showing these items removed. Please also delete all non-account holding inquires over 30 days old. I demand the following accounts be promptly verified or removed immediately. 

The credit agency has refused to follow the law and therefore must delete and permanently removed the disputed information from my credit file Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Duty pursuant to the FCRA, it is TRANSUNION 's to be reporting correct and accurate information on my credit report and file, however they are NOT. TRANSUNION is reporting XXXX unauthorised Hard enquiries on my account which are : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
I am hereby notifying you that neither on that those dates or dates similar did I authorize any individual from the listed company to pull or review my consumer report. Additionally, I have not given TRANSUNION any right to furnish this information. Having understood this is a violation of 15 USC 1681 ( B ) ( C ). Both together and separately my consumer and privacy rights are being violated. To add to this, I did NOT give TRANSUNION written instruction/permission to furnish these FRAUDULANT Enquiries on my consumer report and file. It is clear that TRANSUNION has violated my federally protected consumer rights under the FCRA and the inaccurate reporting is causing me and my reputation severe harm and discrimination.
Product: Credit reporting, credit repair services, or other personal consumer reports

The three main CRAs are reporting student loan accounts that are ten years old and have been requested removed via the FCRA ; those same bureaus are reporting balance transferred, closed accounts, or delinquent on these older accounts ; several of the closed student loan accounts are also showing unknown on payments for several years, except for late payments within those accounts ; I have called the original creditors off those loans/ accounts and they have stated the account is no longer accessible and they do not report to any off the CRAs. I am requesting immediate removal of those accounts labeled under XXXX XXXX ( 2 ) ; XXXX XXXX XXXX ( 2 ) ; and XXXX XXXX XXXX XXXX ; the  above aforementioned accounts have been requested for removal
Product: Credit reporting or other personal consumer reports

Only trans. Union dropped my score XXXX points when there was no changes to my credit report without any new derogatory no late payments, but my score was dropped XXXX points and I would like my points back. I am trying to purchase a home and I need my score to be stable all my lines of credit are paid on time so my score should not have dropped XXXX points. Also it seems that when my credit lines decrease Trans Union decreases my score.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes and concerns. Section 611 ( A ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person.
Product: Debt collection

XXXX XXXX stolen my XXXX XXXX and trying to force me to pay them for the XXXX XXXX which was returned back to them in working condition. XXXX XXXX is trying to collect on a return XXXX XXXX ; the XXXX never worked on their network, I asked to return the XXXX XXXX which was approved by a XXXX XXXX who created the return label, the shipping company was XXXX, the XXXX XXXX was delivered on XX/XX/2022 XXXX. I am receiving repeated collection calls, texts, voice mails, and emails from XXXX XXXX about this XXXX XXXX which was returned. When I call XXXX XXXX  the rep from the call center always act as if I never returned the item or they have received the item and will process a credit to my account which never happens.
Product: Mortgage

On XXXX XXXX, XXXX, Specialized Loan Servicing LLC ( " SLS '' ) ( investor and servicer ), owned by XXXX, and XXXX Bank XXXX, XXXX XXXX XXXX XXXX XXXX XXXX both located at XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX illegally foreclosed on my property in violation of state and federal statutes. In XXXX XXXX, XXXX XXXX XXXX Bank, XXXX. sold the loan and servicing to SLS and assigned a new loan number. XXXX Bank XXXX, XXXX XXXX remained as the Trustee. As of XXXX XXXX, XXXX, XXXX XXXX XXXX Bank, XXXX. never filed the transfer of servicing with XXXX XXXX XXXX XXXX and the XXXX number associated with my home shows that the XXXX status is " Inactive '' and the servicer remains XXXX XXXX XXXX Bank XXXX located in XXXX, XXXX. Also, the Assignment of Mortgage with the county Clerk/Register XXXX is invalid since the old loan number has not changed and the new owner and servicer have not been recorded. A Lis Pendes was filed with the county Clerk to clarify the ownership of the property since a civil lawsuit was filed with the district court seeking damages. XXXX XXXX XXXX Bank, XXXX. was contacted to change the information in XXXX, but the Assignment of Mortgage should also be changed with the county Clerk/Register of Deeds. XXXX XXXX XXXX Bank, XXXX. confirmed that they made a mistake in not properly recording the documentation with XXXX and the county Clerk/Register XXXX. Therefore, Specialized Loan Servicing LLC and XXXX Bank XXXX, XXXX XXXX were not in a legal position to initiate foreclosure on the property. The last Assignment of Mortgage for the property was dated in XXXX. XXXX XXXX XXXX Bank, XXXX. was made aware that a civil lawsuit was filed against SLS and XXXX Bank XXXX for wrongful foreclosure based on state and federal statutes.
Product: Mortgage

On XX/XX/XXXX XXXX assisted me to pay {$1100.00} mortgage to CALIBER HOME LOANS due to my financial hardship. 
On XX/XX/XXXX, since I did not know when " XXXX '' can pay my mortgage on my behalf in XX/XX/XXXX back then, to avoid penalty, I also paid {$1100.00}. 
Because of this incident, I ended up pay XXXX mortgage payments for the XX/XX/XXXX, so I called and spoke to a customer service rep. at CALIBER HOME LOANS around XX/XX/XXXX and asked her to apply my XX/XX/XXXX payment of {$1100.00} the full amount as principal to my loan account without charge me any of interests, as it was my extra payment for the year XX/XX/XXXX. She agreed, and she told me that our conversation was recorded, and said that she took care of it already. I asked for a confirmation, she said no need to have confirmation, I should see it on my FOMR XXXX of the year XX/XX/XXXX. 
However, when I received FORM XXXX for the year XX/XX/XXXX, I found out that Caliber Home Loans did not apply my XX/XX/XXXX extra payment to principal ; but to charge interests against it as well. Thus, I called on XX/XX/XXXX to verify with a customer Rep. her name is XXXX. She was very rude, and told me that Caliber Home Loans would never re-adjust my loan nor to refund me the wrong charges of the interests on my XX/XX/XXXX extra payment of XX/XX/XXXX. I asked to speak to her manager, she hand up on me. Then when I called back, the phone just keep on routing to others, I was unable to reach to their manager for this matter.
Product: Credit reporting or other personal consumer reports

I received alert that my credit score on TransUnion had dropped due to delinquent account status. I checked credit report and found fraudulent XXXX XXXX card had been opened in my name. Account was opened XX/XX/XXXX. Charges of {$2000.00} occured in XX/XX/XXXX, and the account was closed on XX/XX/XXXX. Balance is listed as 60 days past due. 

Immediately placed a credit freeze and initiated a formal dispute ( file number XXXX ) with TransUnion on XX/XX/XXXX. Sent a certified letter to XXXX XXXX on XX/XX/XXXX advising them of the fraudulent account, and requesting its removal from my credit file. 

TransUnion responded on XX/XX/XXXX indicating they had " verified the information as accurate with the company. XXXX XXXX acknowledged receipt of my letter, but indicated they couldn't locate account. The account number listed on TransUnion 's report is encoded due to privacy concerns. XXXX XXXX says it needs full number to proceed, and TransUnion will not provide it to me. So I'm stuck with no way to resolve the identity theft.