23daVinci/CFPB_Complaints huggingface dataset:
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. 

XXXX XXXX XXXX Last reported XX/XX/XXXX {$1100.00} Open balance XXXX XXXX XXXX XXXXXXXX XXXX XXXX Original creditor XXXX  Opened XX/XX/XXXX ( XXXX yrs, XXXX mos ) Account status Open Type -- Responsibility Individual Remarks Dispute resolved ; customer disagrees Original creditor name XXXX XXXX XXXX XXXX XXXX XXXX This account is actually settled by litigation and was illegally added to my report. My lawyers info is following : 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 Last reported XX/XX/XXXX {$300.00} Open balance XXXX XXXX XXXX Original creditor XXXX  Opened XX/XX/XXXX ( XXXX yrs, XXXX mos ) Account status Open Type -- Responsibility Individual Remarks Placed for collection Original creditor name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Last reported XX/XX/XXXX {$190.00} Open balance XXXX XXXX XXXX XXXX Original creditor XXXX  Opened XX/XX/XXXX ( XXXX yrs, XXXX mos ) Account status Open Type -- Responsibility Individual Remarks Placed for collection Original creditor name XXXX XXXX XXXX XXXX XXXX XXXX Last reported XX/XX/XXXX {$190.00} Open balance XXXX XXXX XXXX XXXX Original creditor XXXX  Opened XX/XX/XXXX ( XXXX yrs, XXXX mos ) Account status Open Type -- Responsibility Individual Remarks Placed for collection Original creditor name XXXX XXXX XXXX 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 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. 

I have asked XXXX, XXXX XXXX to remove these accounts immediately and they refuse to comply even though this is a blatant act of ID Theft.
Product: Mortgage

I need my form XXXX to file my taxes. 
Regions mortgage bought my loan from XXXX. Each bank claims the other has my documentation. Neither has sent them. Neither can tell me when that would occur.
Product: Mortgage

On Friday XX/XX/21 I contacted my mortgage company for them to do an assessment on my escrow account. I am being charged {$460.00} per month for taxes and insurance. Which totals {$5600.00} per year. My property taxes for the year total {$2200.00} and my Homeowners insurance total is {$500.00} per year. This makes the total needed to cover both {$2700.00} per year. I am requesting an explanation as to why they are charging {$2800.00} more then what is needed to cover the escrow. When I first contacted the company by phone they told me that it would take approximately 10 days to get this looked at. It has now been over 3 months and still nothing has been done. When I contact them either by phone or email they tell me it will be another 10 days.
Product: Mortgage

purchased this home in 2004 at XXXX. There is a XXXX  payment that has been on this loan since 2004. The loan has been sol XXXX times to XXXX different lenders through the course of this loan. I went from paying XXXX a month on XXXX  to now pay XXXX a month. I have been paying XXXX  for over XXXX. The mortgage company has yet to provide who insured the loan for possibly removing the XXXX. 
I owe over {$100000.00} more than what the loan was originally created. None of the lenders have original paperwork. I have paperwork from the origination of the loan. The balance is now XXXX. The loan was opened with a balance of XXXX. I need help with loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

World finance is claiming I owe them {$1400.00} on an account that was charged off for {$1000.00}. The company is reporting increasing balances each month for a charged off account and is also reporting a past due balance on an account that is charged off. 
A charged off account is naturally late by default. This is against my rights as a consumer. It is also against the FCRA and not in compliance. It is also against my state law in Georgia Installment loan act Bill 462. I have asked the bureaus and the World finance to correct their error immediately with no progress. 

I also have an letter here from World finance for an attempt to collect on a debt for {$1000.00} and settle for 70 % of the loan amount for {$1000.00} however they are reporting that I owe {$1400.00} to the credit bureaus. and increasing the amount owed each month on the account. 

This is my last attempt before I send an intent to sue to both the credit bureaus and World finance! 


Section 609 of the Fair Credit Reporting Act ( FCRA ) states that you must investigate my dispute within 30 calendar days from my initial letter. As you have failed to do so, I kindly request that you remove the aforementioned items from my credit report. 


Thanks to section 611, we all have right to dispute information we believe to be incorrect or unverifiable. And if the disputed information can not be verified or confirmed, then it must be removed. 

Original copy of loan, with signature the amount of the loan, Copy of the check cashed how the loan was deposited or accepted. An original agreement of interest, proof charge off and the right to collect interest on a charged off account, and the right to report a past due amount on a charged off account. If you do not have all those legal rights, please remove from my credit profile immediately. Please do not sell, transfer or re-report account. 

Any inaccuracies and errors intentionally being reported must be removed, if not can and will be a fine and a payment to me the consumer in an amount of {$1000.00} per error. 
Any further comments or questions can be directed to my legal representative. 

Sincerely,
Product: Credit reporting or other personal consumer reports

I pulled my account on XXXX and I see that XXXX XXXX XXXX is reporting my loan as being late as of XXXX XXXX. They overcharged me on my account and when they corrected it, I paid my loan off completely. They are reporting inaccurate information on my credit report. I have enclosed my lien release from them. I do not have my title either. This error is against the law per 15 USC 16814. This account needs to be deleted from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law These items must be investigated and updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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 XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX 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 XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting

XXXX, experian and XXXX keep reporting outdated negative information. I disputed a number of things over 10 yrs ago but they continue to update as if they are new accounts and in good standing and paid and closed. Neither company is allowing me access to my file. I am requesting that you investigate this and also assist me in checking my file weekly so that I can see if I am a victim of identity theft. I would also like to send you my old credit reports from over 10 yrs ago by mail.
Product: Bank account or service

We are a XXXX who completed hail damage repairs on a property in XXXX XXXX, WY. The original estimate was {$23000.00}. There was an insurance supplement of {$8300.00} and an additional supplement of {$260.00} bringing the total repair to {$32000.00}. The homeowner has a deductible of $ {$1600.00} so what the insurance company, XXXX XXXX XXXX, paid was {$30000.00}. These funds were sent to Ocwen Loan Serviing, LLC. The claim was made to the insurance company in XXXX of XXXX. Ocwen Loan servicing sent the initial payment of {$20000.00} in XXXX, XXXX with a balance of {$9700.00}. On XXXX/XXXX/XXXX the final bill for the work was submitted to the insurance company for payment and the final inspection was completed on XXXX/XXXX/XXXX. I have been trying since then to get payment from Ocwen Loan Servicing. I have faxed and emailed the same paperwork to them several times and have documented all faxes, emails and phone calls to Ocwen and would like to provide you with this documentation. It has finally come down to the fact that they verified they received the initial check from the insurance co of {$20000.00} in XXXX, {$260.00} on XXXX/XXXX/XXXX, {$8300.00} on XXXX and {$1100.00} on XXXX. They stated to me on XXXX that a payment of {$1400.00} was to be mailed out that day, I asked why that amount and they stated that was all they were holding. I called back and spoke to another representative that day and she verified that they had received the {$8300.00} but the funds were missing. She called the ins. co. and verified that the check had cleared their account so she put a search on that check. on XXXX/XXXX/XXXX I was told the missing funds had been found. a request was put in to expedite release of the funds. I called again today but they could not give me any information on it or when the funds would be released and suggested I call again on XXXX. Because I have been trying for 2 months to get my payment, my concern is that I am not the only person fighting with this company for payment. I feel this company needs to be looked into as their business practices are awful. There may be a miracle and I will receive payment but I have run out of hope of that happening, that is why I am reaching out to you. I am hoping there is a place where I can attach my documentation to this complaint so that you can see what I have been going through.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the XXXX credit bureaus on XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
XXXXXXXX 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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

TRANSUNION RECENT REPORTED A COLLECTION ACCOUNT THAT IS NOT MINE, ALSO THIS COLLECTION ACCOUNT WAS PREVIOUSLY REMOVED FROM MY CREDIT REPORT FROM ALL 3 BUREAUS. I DO NOT OR NEVER HAD AN ACCOUNT WITH XXXX, XXXX CAN NOT PROVIDE ANY CONTRACT SIGNED AGREEMENT, PHONE CONVERSATIONS OR SOCIAL SECURITY NUMBER OR MY NAME ON AN XXXX ACCOUNT.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion, XXXX, XXXX have all stated that the investigation was completed, that they in fact found that XXXX confirmed that the bankruptcy belongs to me. However, in complaint XXXX against XXXX, they actually have DELETED the bankruptcy from my file. Transunion DID not conduct an investigation like they claimed.
Product: Mortgage

I have made several requests to have my property tax Escrow payment reduced because I filed for Homestead Exemption in XX/XX/XXXX and it was approved for this year, XX/XX/XXXX. I submitted all the documents I received from the XXXX County Tax Collector 's Office to the loan servicer, Lakeview Loan Servicing , LLC and they are refusing to make the necessary adjustment to my Escrow payment. I am still being escrowed for {$3400.00} per year when my taxes was reduced to {$2900.00}, a difference of {$510.00} per year. I think it is unfair that I am being forced to put more money into my Escrow account than is necessary. I also feel that Lakeview Loan Servicing is in violation of RESPA because they are charging penalty fees on any mortgage payment made between the XXXX and XXXX day of the month. RESPA says that they can charge a fee from the XXXX day. This is very unfair to borrowers and I think Lakeview should be held accountable for their illegal actions. It is this type of reckless greed that forces the govt to protect consumers from unscrupulous lenders, thus the CFPB. If possible I would like to have my loan transferred to a different servicer. These people are the worst!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

collection accounts- In your letter, say its illegal to furnish income on a consumer report. A charge-off, according to the IRS, is income and you must file a 1099-C. I never received a 1099-1. Remove this information from my consumer reports immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX0.00} Late Payment 15 U.S.C 6802 Gramm-Leach-Bliley 15 USC 6802 ( a ) ( a ) Notice requirements Except as otherwise provided in this subchapter , a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.

-a court and a credit bureau are nonaffiliated third party institution.

Non personal information means personally identifiable financial information ( address, name, phone number, social security number, credit report information, late payments, student loans, bankruptcy, XXXX XXXX XXXX XXXX XXXX XXXX
Product: Prepaid card

I've attempted to spend the {$200.00} on the American Express gift card on multiple sites that accept American Express and I've received an error at each one.

I attempted to use the card on XXXX, XXXX, and XXXX XXXX.
Product: Mortgage

On XX/XX/2019, I received a letter stating that my FHA Mortgage was sold by First Citizens Bank to a third party debt collection agency named XXXX  : Effective XX/XX/2019, which was then sold again to XXXX XXXX XXXX. I did not receive proper notification from either company of the transfer and procedure within the 15 days of the sale. This is Identity theft and I didn't give either one of the companies consent. First Citizens Bank Took a Finance Charge from me in a consumer credit transaction. I've been violated in this consumer contract and I demand answers.
Product: Credit card or prepaid card

On XX/XX/XXXX I placed an order for new XXXX XXXX with XXXX XXXX, XXXX XXXX XXXX XXXX in XXXX, NY XXXX. I did provide frames, everything else was going to be provided by them : 1 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 2 ) XXXX XXXX 3 ) XXXX XXXX XXXX. The total amount charged was {$610.00} including 20 % store discount. The credit card used was CareCredit XXXX XXXX, telephone number ( XXXX ) XXXX. Few weeks later I picked up my new eyeglassess and immediately noticed they did not work well for my eyes. I did give them a try for a few days but it just didnt work. On XX/XX/XXXX I asked the optical place to correct the issues and the new order was placed. It included the following : 1 ) XXXX XXXX XXXX 2 ) XXXX XXXX 3 ) XXXX XXXX XXXX. I was told that XXXX brand will work better for my eyes. I was not charged additional amount of money. While waiting for my new eyeglasses, I did my own research on XXXX brand and also talked to few well respected optical places in XXXX just to find out that XXXX brand is outdated and more importantly {$300.00} cheaper then XXXX. I went back to XXXX XXXX and ask if there will be a price adjustment considering the {$300.00} price difference between XXXX and XXXX XXXX XXXX. Their answer was no. On XX/XX/XXXX my new eyeglasses were ready and they worked better then the first pair. I asked the store manager about the price adjustment again and the answer was the same. Few days later I started a dispute through XXXX XXXX. I was never contacted by the bank to provide them with my evidence. On XX/XX/XXXX I received a letter from the bank notifying me that they released the dispute in the providers favor ( XXXX XXXX ) and leaving me with an option of reopening the dispute. On XX/XX/XXXX visited few more optical places in XXXX asking for their help in identifying my new lenses. The all agreed that this is not a XXXX brand and also they could not identify any brand name. They all suggested that something very strange was done to my new lenses. At this point Im very much concern about my vision and whether I should continue wearing my new glasses or not. On top of that, I feel strongly that I was cheated or even robbed.
Product: Credit reporting or other personal consumer reports

I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than XXXX business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXXXXXX XXXX Balance : {$17000.00}.
Product: Credit card

XXXX  credit card company closed my account and the reason why they close my account they said it was due to unexpected account activity it also says as noted your card Holder agreement your card account is a continuing offer at of credit which we can withdraw at any time for any reason If you use your account for reoccurring payments such as Internet access or subscriptions immediately notify each payee and make other payment arrangements Now I paid the Annual fee of {$99.00} And I paid the {$99.00} up front When I received the every time I use the card I would make the payment Now they're stating i only have a credit of $ {$34.00} and for me to be able to get the money back I would have to and I have to read this and find print right to there po box and request for my {$34.00} and {$0.00} which it should be {$99.00} because I paid The full balance of XXXX $ in credit the interest rate for XXXX is XXXX percent interest so I didn't want to be caught paying that interest so now I have to figure out a way to get the credit that I have and they lie on the phone so i just want to put a stop to it they're not a good company to Help start your credit or vHelp your credit out at all I'm just giving you information I do want to make a Complaint about XXXX credit card company
Product: Debt collection

I'm unsure about why this company is calling me. They stated they were from Commonwealth Financial and asked to speak with me. Once I identified myself they asked me to confirm personal details including my SSN. I informed them that I would not disclose any personal information unless they told me why they were calling. They refused to do so. I am not familiar with this company and thus I do not know if they are calling about a debt or if this is a scam. I told them as much before they hung up on me.
Product: Credit reporting or other personal consumer reports

I have been disputing fraud ITEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraudulent items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediate. 
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 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 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
Product: Mortgage

The Sr. Mortgage Loan Officer named XXXX XXXX of CrossCountry Mortgage failed to send us the correct closing documents in a timely manner, then attempted to tack on additional fees after we were left waiting to sign our closing package without providing notification. My wife and I had to send multiple corrections of errors to the Net Tangible Benefits disclosure forms, many of which were outright ignored. The company has purposefully delayed signing forms and not provided transparency in an effort to increase the closing fees. 

Our lock expiration date is scheduled for this upcoming Saturday, XX/XX/XXXX. We signed an initial closing disclosure on Tuesday, XX/XX/XXXX, after which, the company sent us a revised closing package on Wednesday, XX/XX/XXXX, to be signed again. We were waiting for the next steps to finalize, and in email correspondence, the loan XXXX neglected to notify us of the options available to close in time, then added a {$1000.00} filing deadline extension charge on to our closing fees with three business days remaining before our original loan expiration date. 

If the company fails to take the appropriate action within the next 24 hours ( outlined in the next field ), then we will miss our expiration date by no fault of our own.