23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

The escrow analysis was completed XX/XX/XXXX. It did not refund XXXX in property taxes from closing NOR the taxes extorted in XXXX payment. In total, at the time of the analysis, XX/XX/XXXX, NewRez LLC HAD TAKEN XXXX $ + unlawfully in property taxes. The analysis concluded stating only XXXX would be repaid. The new monthly amount was XXXX $ due XX/XX/XXXX. 

A payment with my personal check marked loan # minus property taxes with tax exemption form enclosed was signed for on XX/XX/XXXX for {$1500.00}. 

In order to conceal the refusal to refund taxes taken ( THEFT BY NEWREZ ), NewRez marked my XX/XX/XXXX regular payment to an escrow payment!? THEN, refunded XXXX in an " escrow disbursement, this making it appear like the refunded more than they took in taxes but that's not the case. 

This is a XXXX game with NewRez. Their staff are uninformed for the tasks, uneducated about the specific accounts and totally unqualified to handle these accounts. They destroy people 's lives. 

I have copies of everything and I'm calling the FBI and have already had a local news crew over to film a call and review documents. 

The CFPB CAN NOT ALLOW THESE FINANCIAL XXXX  TO STEAL FROM XXXX VETERANS AND MAKE US HOMELESS!!! NO WONDER XXXX OF US XXXX OURSELVES EVERYDAY!!! 

EVEN JN THE PREVIOUS RESPONSE THEIR ANALYSIS DOESNT MATCH WHAT THEY STOLE FROM ME. 

SOMEONE PLEASE HELP ME!!!
Product: Checking or savings account

I saved money in as required by Citi Account Package, and I was promised to get {$400.00} Cash Bonus if I saved certain amount money for 3 month when I opened the account less than a year ago. I asked the staff recently, and they said I satisfied all the requirements. But now several weeks past, I saw nothing. I contacted them several times, but they said they are investigating this and had some TECHNICAL DIFFICULTIES.
Product: Credit reporting or other personal consumer reports

I was looking at my report and noticed there were still some things that were not correct. I sent a letter to Transunion, but it has been more than several weeks, and Transunion still hasn't responded to my letter. That is surely a violation of 15 USC 1681i ( a ) ( 1 ) ( A ) Under 15 USC 1681i ( a ) ( 1 ) ( A ) Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before he end of the 30-day period beginning on the date on which the agency receives he notice of the dispute from the consumer or reseller.
Product: Credit reporting, credit repair services, or other personal consumer reports

So, I went to a XXXX and they reviewed my credit card and I saw that I had 20 hard inquiries that I don't recognize and it is hurting my credit score.
Product: Credit reporting or other personal consumer reports

I have not opened any student loan account in XXXX My student loan accounts were paid in full on XX/XX/2024. I have not authorized any student loan disbursements with my name. If otherwise, please send me the lender 's contract with my signature.
Product: Checking or savings account

On XX/XX/2024 our account was drafted by a company called XXXX XXXX XXXX XXXX XXXX to XXXX XXXX that there was no money left in the account. The charges were {$150.00}, {$150.00}, {$150.00}, {$190.00} and {$220.00}. I called into the bank, Huntington National Bank ( HNB ), at XXXX and again at XXXX and was on the phone for over and hour and a half. The representative closed out her debit card, sent her out a new one and said that they would investigate and give us provisional credit within 10 days. I reached back out to the HNB because only XXXX of the XXXX charges were refunded and ultimately talked to a XXXX named, XXXX on XX/XX/2024 for XXXX hour and XXXX minutes. She said that the last charge did not clear which it already did and filed a complaint for me. On XX/XX/2024 I reached back out to HNB and spoke to XXXX after receiving XXXX letters from the bank. XXXX was unable to see my third letter and would not allow me to fax or email the HNB letter to him. He said that I would have to go into a branch since they were not refunding the money and he couldn't see the HNB letter. On XX/XX/2024, which is over the 10 day timeline, I drove into the branch as requested with my letters and spent another hour with HNB. Ultimately, I spoke with the XXXX of the XXXX XXXX branch and she saw the XXXX charges and the XXXX provisional credits. She tried to reach out to the fraud department but you can not speak to the HNB workers who process the credit.

I understand that fraud is going to happen, but the way that HNB reacted is unacceptable. XXXX. They should of stopped the fraud when it happened ( i.e. the third {$150.00} charge ). It is extremely obvious that the charges were outside of the pattern spending. They were just rapid fire charges in the same amounts which are easily catchable. XXXX. I have wasted over XXXX hours of my life because the fraud department is unaccessible and quite frankly not equipped to monitor fraud nor fix it when it happens. When I shared my story with the branch XXXX and how their competitor catches fraud for our accounts, she just said that they are trying to hire better talent in the fraud department.
Product: Credit reporting or other personal consumer reports

I called the company in Question CLAY COOLEY XXXX TEXAS, to told them I did not authorize them to pull my credit without me being present, I received over 6 Inquires and I wanted them removed immediately. I also stated that they picked out a car XXXX  XXXX XXXX, something I did not do, OR WOULD HAVE EVEN PICKED. This is fraud and they where trying to make a sell with out me being present that was fraud. 

They stated it was not them, so I contacted XXXX CLAY COOLEY, and I got NO RESPONSE from them at all.
Product: Debt collection

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 XXXX - I have never authorized or opened an account with this creditor and informed them that i am a victim of identity theft, I did not open this account and i do not owe this balance I have explained and reached out to this company and have not received a response. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX I have never authorized or done business with this company, i have requested in writing original documents 31 days ago with my signature and their name and i have yet to receive a response, this a violation of the law. 

XXXX XXXXXXXX XXXX XXXXXXXX, ( The Insurance has paid this company in full and I have requested that they remove this from my credit report because i no longer owe this debt, it has been over 32 days and i have yet to recieve a response this is a direct violation of the law. ) XXXX XXXX XXXX XXXX, I have never authorized or done business with this company, i have requested in writing original documents 31 days ago with my signature and their name and i have yet to receive a response, this a violation of the law. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, inaccurate missed payments where there should be ontime payments this creditor has violated my rights under the following laws 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 am trying to remove the security freeze, XXXX XXXX Fraud Alert and the XXXX  Fraud Alert from my online portal but for weeks it has been saying that they are experiencing technical issues.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax ; XXXX  and XXXX are reporting incorrectly that I am ( 120 180 ) days late on the XXXX/XXXX XXXX and XXXX. ( Please see attached credit report. ) I have also attached a spreadsheet with the account numbers to reference. These accounts report a {$0.00} balance and {$0.00} past due. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Please keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due. This false reporting of lates is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed information on my credit report being reported by Midland Credit Management for multiple accounts beginning in XX/XX/2020. This company has failed numerous times to provide the documents required by law to validate the alleged debt in question. They have not provided any signed documents and have sent letters that notify me that they have only contacted the creditor. This is NOT what is supposed to be done per the FCRA. 

XXXX XXXX and XXXX has continued to report this invalidated information which is a direct violation of the FCRA. 

Midland Credit Management {$760.00} Midland Credit Management {$1200.00} Midland Credit Management {$450.00} Midland Credit Management {$450.00} Midland Credit Management has continued to report this invalidated information as well. Midland has failed to provide the proper documentation. I have disputed these accounts with the bureaus directly AND with the creditors and keep receiving letters without validation, and asking me to provide documents to correct their files.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had inaccurate reporting on an   XXXX   charge account for over 6 months now and the credit bureaus still allow the creditor to report the account status as " delinquenc y 120+ '' and  it has been dampening my credit score. I working hard to buy my wife and daughter a new house but the home loan company says my scores are too low and in fact dropped from a  XXXX  as my mid score down to a  XXXX  and the only thing derogatory that changed was   XXXX   report  XXXX  the derogatory remark. I do n't know what else to do we 're suppose to close on  XXXX  and these companies have all the power to affect such a large part of our lives. I have made mistake but for this to keep affecting me the way it has seems very unfair. I also had a loan taken out by in my name that the bureaus still have not taken off even after the police and other government site provided me with everything to hand over and I did now i had to pull the account out of dispute status so FHA will approve us but that i can deal with later. Im desperatley trying to get the ccredit bureaus to delete the delquency states and negative remark so my score and report will reflect accuratley. I made some notes on a credit report which I have uploaded. I 've tried disputing the account atleast 3 times.
Product: Checking or savings account

I was scammed by a XXXX  job ad and was offered a position with a company to work remotely. They never asked for any of my bank information and used the names of employees the companies website had to make it seem like it was legitimate. On XX/XX/XXXX, I was sent a {$1000.00} check to deposit to purchase equipment for the position. Chase Bank did catch the check and let me know it was fraudulent and I told them everything above. Initially I was sent a letter on XX/XX/XXXX  that said no action would needed to be taken and then a few days later they froze my account without notifying me at all. I have attached what was sent as a notice. On XX/XX/XXXX, I sent a message through the Chase app to inquire about what was going on and they have me no information, Chase locked my account on XX/XX/XXXX  due to this claim being against my account and that was all the information they could give me. No money was spent from that check. I have no idea whos account numbers the scammers used but it was from a different bank according to Chase. I have been a customer for over a decade and never had issues so I hoped they would help me out and try to resolve this efficiently. I have been given the run around from different agents and havent been given any time frame for when this will actually be resolved. I understand the severity of fraudulent checks but I was not aware that it was one nor did I use any of the money and my account has not been compromised as only I have access to my account so there is no reversal that needs to happen either. This has been very inconvenient as I have bills to pay and so far no one has been that helpful.
Product: Debt collection

XX/XX/XXXX a collection account showed up on my credit report. I did research in to this company and from what I see they are scammers. Most reviews were people saying the company was collecting a debt from XXXX  XXXX XXXX or team mobile. It shows the account was opened inXX/XX/2019. I have been with the same phone carrier for over 10 years. I have had my identity stolen multiple times in the past and am constantly disputing things that show up on my report. I do not even know how this " account '' was opened as I have a freeze on my credit ( XXXX, XXXX, XXXX ) I have to call them to tell them I actually applied for something. Please have this removed immediately
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 XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries.

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

In accordance with the fair credit reporting act this creditors has violated my rights under 15 us code 1681section 602 A state i have the right to privacy.

15 usc 1681section 604 A section 2 also state consumer reporting agency can not furnish an account without my written consent. 

This account i do not recall to be made by me i would like an investigation XXXX 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: Credit reporting or other personal consumer reports

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

SPS is the 2nd lien holder on the home. After losing job and cant make payment, forbearance didnt work, so did a short sale. 1st mortgage XXXX, already approved the short sale. SPS has 100 % of the required documents for the short sale and they sad it is " processing '' and has been for over 2 months. They have a primary point of contact assigned by no one can get a hold of them. I have asked for 2 months to speak to supervisor, but no one ever calls. They claim they cant put one on the phone so they message the supervisor to call, but never do. No one can make a decision or communicate timeline or what we are waiting for
Product: Debt collection

This letter Is in response to a derogatory collection reporting on my credit report, last reported on XX/XX/2022. 
I am requesting that you either : 1. Provide verification of this debt. 
Please send the following information : The name and address of the original creditor, the account number, and the amount owed. 
Verification that there is a valid basis for claiming I am required to pay the current amount owed. 
Details about the age and the exact amount of debt including a copy of the last billing statement from the original creditor ; a detailed explanation of any interest added or payments made since the last billing statement and the legal authorization for this interest ; and the date the original creditor claims this debt became delinquent. 
Please also note whether this debt became delinquent. 
Please also note whether this debt is within the statute of limitations and how that was determined. 
Please also forward details about your authority to collect this debt ; whether you are licensed in my state and if so, provide the date of the license, name on the license, license number, and the name, address and telephone number of the state agency issuing the license. If you are contacting me from outside my state, provide the licensing information from your state as well. 
Lastly, please provide proof that I XXXX XXXX XXXX, agreed to pay this debt, and HIIPA release form stating you have permission to access all of this protected health data OR 2. Voluntarily dismiss this debt Under the Fair debt collection practices act standard. 
Under the Fair debt collection practices act standard, I never received a detailed letter within 5 days showing my debt, and giving me the opportunity to request to verify this debt within the 30 day timeline. By you failing to send this letter and give me a fair chance to verify this debt within the allotted timeline Under the Fair debt collection practices act standard, You have violated the fair debt collection practices act, thus making this debt invalid and needs to be dismissed. 

Please be advised that if you do not dismiss this debt OR produce these documents, you have failed to validate my debt, thus in direct violation of the fair debt collection practices act standard and thus, I will report you to the federal trade commission Sincerely, XXXX XXXX
Product: Debt collection

My daughter received a phone call today from a XXXX XXXX, XXXX XXXX XXXX ext. XXXX, stating he was looking for my other daughter, the alleged debtor. He disclosed how much the debt was, where it originated from and made threatening comments such as : " We are going to seize her tax refund '' " We are investigating her for criminal fraud '' " We know where she lives and are sending someone to serve her '' " We know where she works and are angry with them '' " We are taking you to court for fraud '' I called the company and spoke with XXXX, letting him know he was violating debt collection laws. He stated he did not have time for games and refused to acknowledge his illegal actions. He demanded to know where my daughter was. He refused to provide his last name and hung up on me. I called back and spoke with him again and he hung up on me. I called back a third time and spoke with someone in compliance and was told his name was XXXX XXXX.
Product: Credit card or prepaid card

I paid this card off in full early. First red flag was they started charging me interest before ever even sending me a bill to pay on a zero interest for a year account. I paid the account off in full back on XX/XX/XXXX with a memo notification to close my account. They then sent me an interest bill for {$17.00} against a XXXX balance. So I called to confirm my account was closed. Today was my third attempt to confirm closure since they sent me another bill. I spoke with XXXX from Comenity-Iddeal Card on XX/XX/XXXX to confirm closure, she verbally stated yes it is closed and we will credit you the {$17.00} interest charge. HOW are they charging interest on a XXXX balance account? I then received another bill for XXXX with not only the {$17.00} but a late fee of {$19.00}. XXXX stated I would be sent a confirmation letter of closure on XXXX. I called again today since I now have a bill for fees for {$36.00}. Spoke to XXXX this time and she confirmed my account was closed yet I have a bill for a late fee on the XXXX that I didn't pay for XXXX - when I had a XXXX balance which is why XXXX waived that fee. This company is trying to charge interest when there is NO money owed! They are then not following up with written confirmation of the closure and are still trying to charge me interest with a late fee! Again today they confirmed that the account was closed and she was asking her supervisor to waive the fees - how are they billing interest to a XXXX dollar account! They stated again I would receive an e-mail and a letter but it would take 3 to 5 days. Since when does an e-mail take 3 to 5 days! This is beyond an unethical business practice but fraudulent to charge someone interest when nothing is owed and then to try and tack on a late fee to that AFTER the account was CLOSED!