23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Ruoff Mortgage company has failed to apply my Homestead exemption applied to my mortgage since XX/XX/2021 until today. I received an 'escrow projection analysis 'with an letter of increase in my XXXX payment going forth from {$630.00} to {$720.00}. This 'escrow analysis ' stated an ' shortage ' of {$490.00} being outstanding to be paid based on a guess. To my understanding information provided by Ruoff, I had an increase of {$0.00} for my homeowners insurance and another increase of {$1.00} for something else for 2021. I submitted my Homestead exemption of 60 % to Ruoff once it was approved by Indiana Assessors office in XXXX of 2021. Ruoff has neglected to update and apply Homestead exemption, by extending ' work order dates ' to apply and correct. I have been given 3 different dates to apply since XXXX of 2021. Today I found out through Ruoff customer service that ' Homestead exemption was applied on XXXX XXXX, however a step was skipped in running current ' tax line ' to apply exemption correctly. Ruoff customer service rep, today opened another ' work order ' to have tax line properly ran to apply Homestead exemption. I was given a date at the end of XXXX to call Ruoff back to update me on the work order, being properly applied.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Recording Act Child Support Enforcement Acct # XXXX  XXXX and XXXX Acct # 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 also states a consumer reporting agency can not furnish an account without my written instructions. This account Shows on my credit report as a Charge off and Per the IRS Publication 4681 States, " Even if you didn't receive a Form 1099-C, you must report canceled debt as gross income on your tax return '' I have attempted to get this off of my credit report can you help me
Product: Payday loan, title loan, personal loan, or advance loan

I have dispute this before, and it was removed from my credit report. The information report is incorrect, I was under bankruptcy and did not apply for a loan in XX/XX/year>. The information being reported is inaccurate. They keep reporting that I owe them, but the information is not true
Product: Checking or savings account

XXXX XXXX refused to open my account located on XXXX XXXX XXXX, Ny XXXX. Bank manager XXXX told me that his boss wont open my account after he told her there was an error with XXXX XXXX.
Product: Vehicle loan or lease

In accordance with the fair credit reporting act this creditor has violated my rights. Under 15USC1681 section 602 states I have the right to privacy. 15USC1681 section 604-A section 2 it also states a consumer reporting agency can not furnish an account without my written instruction. Under 15USC1666B a creditor may not treat a payment on a credit card account under an open end consumer plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

Submitted a dispute for all three-credit bureaus to investigate the inaccurate accounts on my credit files they all were given 30 days to do a proper investigation, all 3 bureaus took 60 days ' plus, I had the XXXX Credit bureau use the excuse that we were in Litigation, which was a total stall tactic, the other Two bureau 's stated that the accounts have been verified without send me any supporting documentation as requested. 

The following accounts need to be deleted from my credit files : 1.XXXX XXXX  XXXX 0042****payment history not 100 % accurate. 
2.XXXX  XXXX # XXXX payment history not 100 % accurate. 
3.XXXX  XXXX # XXXXpayment history not 100 % accurate. Two different account numbers. 
4.XXXX XXXX XXXX XXXXXXXXpayment history not 100 % accurate. 
XXXX. XXXX  XXXX # XXXX*Dockett # XXXX Different dates and no proof provided after supposed verification these have been deleted from Equifax. 
7. XXXX XXXX # XXXX This account only remains on XXXX the account is over 7 years old and has a inaccurate payment history also is a charge- off with a balance and stil a open account reporting this account is not 100 % accurate. 
8.XXXX XXXX XXXX XXXXXXXX the payment history is not 100 % accurate, also this is a charge off account reporting as still open with two different balances.
Product: Credit reporting, credit repair services, or other personal consumer reports

First off this is a CARES ACT violation -- I will be filing complaints with US GOVT who administers that -- ( treasury department ). I started with XXXX in XXXX. 30 years of payments later- they CLAIM I still owed XXXX. XXXX what I started with. 

THEN -- -when they told me the loan payments were paid -- -all payments made- in XXXX XXXX XX/XX/XXXX they reported me late. First off- they gave me a concession -- forbearance-. it was current- therefore its illegal for them to report it late. 

They are in violation of the CARES act and I want these late payments removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

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

15 U.S.C 1681 section 604 A Section 2 : Consumer reporting agency can not furnish an account without my written instructions.
Product: Debt collection

RAB Performance Recoveries has taken me to court for a debt that is not mine or that they have not been able to show some sort of proof that I owe. I am now in mediation attempting to get this thrown out as the judge signed off on it and is allowing the targeting practice to go on. They already have numerous complaints against them online and on XXXX XXXX.
Product: Credit card or prepaid card

I have an account with CashApp. It was just that. Cashapp with a small balance and linked to one of my real bank accounts. 
I suddenly starting see XXXX XXXX ' charges being declined despite never requesting or authorizing a XXXX XXXX. I tried to work with their support. They agreed I never authorized a card. They would only send me to a link to report my XXXX XXXX 'stolen ' even though I had never been issued or authorized a XXXX XXXX  with them. I have no card details nor has any physical account number ever been shared with me. 
How can Cashapp issue a credit card number in my name and account without my authorization? And then request me to report it lost or stolen? The online support basically said 'sorry report it stolen and I can help you no further '. The cashapp support took no action to stop or close the account even though they could see the declined charges and me saying they were of course not authorised ( I have no cash card ) Luckily the charges are being declined so far. Six or more declined charges to date.
Product: Checking or savings account

I opened a joint account with my son because he was a minor and got his first job with XXXX and needed to cash and deposit checks. Everything was going well until he was contacted via XXXX by someone stating that they would pay him to post ads to promote their XXXX XXXX and he needed to give them his account information so that his checks could be deposited into his account. XXXX gave them his account information. When it was time for him to get paid on XX/XX/2019 he noticed money was being deposited into his account but the money was being removed no sooner that it was deposited. XXXX called me from school to advised me what was going on but by then it was too late. I tried contacting XXXX XXXX XXXX with no prevail. This was a joint account and my son was a minor taken advantage of and scammed and now we are on the hook for money we are not responsible for. I would like for my account to be restored because I have a Candle Company and I am a XXXX XXXX y trade I really need my Bank account
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Amount Owed {$68.00} False Reporting to my credit profile and hindering me from acquiring credits and home. 


Please delete collection immediately. 

Account info Account name XXXX XXXX XXXX XXXX Account number XXXX Account type Collection Responsibility Individual Date opened XX/XX/year> Status Collection account. {$68.00} past due as of XX/XX/year>. 
Status updated XX/XX/year> Balance {$68.00} Balance updated XX/XX/year> Recent payment - Monthly payment - Original balance {$68.00} Highest balance - Terms 68 Months On record until XX/XX/year> 2031
Product: Checking or savings account

I opened a new Chase checking account via an online offer. The offer was ( 1 ) if you deposited {$75000.00} and ( 2 ) if the funds remained in the account for 90 days, a {$1000.00} would be deposited by Chase. 
After verifying the small deposits and withdrawal from Chase that were made to my local checking account, this local account was verified as an external account for Chase.

I asked the Chase representative on the phone whether I could deposit the {$75000.00} all in one transfer, or if I needed to deposit the funds online in smaller deposits. The representative told me that there was no limit on how much I deposited online in one deposit.
Before completing my {$75000.00} transfer, I called my local bank in MS that the funds would be transferred from, and my local bank assured me that there would be no problem in transferring the entire amount in one transfer to Chase.

That night, last night, I received an email from Chase stating that I had a secure message. I then signed into my Chase account and there was a message stating that my account was locked due to suspicious activity with a telephone number to call.

I called the number on the screen. After searching for the closest Chase branch, the representative told me that since there were no Chase banks in my state, I could call the branch in XXXX, LA. He provided me with the telephone number and instructed me to call in the morning and ask to speak with a personal banker. 
I spoke to the personal banker in XXXX, LA, and she told me that I needed to come to the bank with t

wo forms of ID. I told her that I lived over 2 hours away and I did not know if I could drive that far. She told me that she could not accept a fax with my IDs on it. I then called the number on the screen again. The representative told me that I had to go to the XXXX, LA, bank with 2 forms of ID and only then could my account be unlocked. 
I requested to speak with her supervisor. 
The supervisor repeated the same information. I then requested to speak with the supervisor 's supervisor. 
The manager came on the phone and told me that there was no way to unlock my account except to go to the closest branch, show two forms of ID, and the personal banker would then call and provide a code to unlock my account. He said that the account was locked because of the large transfer to a new account. 
I asked why the possibility of having to go to a branch in person was never stated. He then said that sometimes an account is flagged, but sometimes large deposits such as this to new accounts are not flagged, and are processed without a problem. I pointed out that this deposit was directly related to their new account offer. 
I spent an hour on the phone today trying unsuccessfully to resolve this problem of my locked online account. This does not include the time spent on the phone last night nor the time I spent trying to resolve the problem myself online. 
My online account is locked and can not be unlocked until I drive 130 miles to the closest Chase bank per the Chase representatives on the phone.
Product: Credit card

As a result of a disputed and re-disputed transaction with XXXX involving XXXX credit card companies, Chase Credit card company deemed the transaction to be valid and now bills me for the disputed amount {$5200.00} plus interest which I strongly disagree with. The XXXX credit card company credited the amount of the disputed transaction submitted to them and has closed the matter. We never used any member product or member service at XXXX XXXX XXXX despite numerous attempts to book travel with them online because of dramatic inconsistencies with what was presented to us compared to online illustrations for actual bookings. The transaction resulted from a sales presentation that used bait and switch tactics representing prices and services that were not offered or available to members who tried to book services online after membership enrollment. These tactics were used to consummate the sale and smack of fraud. After membership enrollment, I could not access any services online at prices remotely represented in the sales talk. In fact, online XXXX per Diem prices were two, three and four times the average daily rates described in the sales pitch. Actually when NOT booking through XXXX, I found the same vacation stays priced more economically than online prices quoted by XXXX to their members. Also, incentives included in the membership such as a " dream vacation week '' were impossible to to reserve as dates and destinations could not be accessed as far as 1 and a half years out. Flight discounts excluded non-stop and one stop flights and air discounts touted were off the full price fares not wholesale rate discounts described in the travel club sales pitch. Once I digested all the issues connected to XXXX membership, there was no economic advantage to continue the relationship. The membership was sold as prepaid discounted vacation stays and instead would be travel costs were spiked to well beyond reasonable and totally outside the scope of the offering in the sales pitch. In fact, actual rates make the offering cost prohibitive.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed disputes for the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.
Product: Credit reporting or other personal consumer reports

I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. Therefore the following information needs to be investigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from the report as soon as possible : XXXX  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent several disputes in the past to have the account reported under XXXX XXXX XXXX removed from my credit reports due to being inaccurate. I contacted XXXX XXXX XXXX to dispute the information as well and have yet to receive a response. XXXX removed the inaccurate information reported by XXXX XXXX XXXX, but XXXX and Experian have not. The latest letter I sent to XXXX and Experian to exercise my rights under FCRA 611 ( a ) ( 6 ) ( B ( iii ) which provides that a consumer may request " a description of the procedure used to determine the accuracy and completeness of the information ... ect. Neither XXXX nor Experian, have provided me this information in the 15 day time period allowed and I am making this complaint to show abuse, bias, and prejudice by them not affording me my rights under the FCRA or deleting the information from my credit report.
Product: Mortgage

On XX/XX/2021 we applied for a refinance on our primary residence with Wyndham Capital Mortgage. Due to the low rates, on XX/XX/2021 we added a refinance of our rental property in Florida. By early XXXX, we completed every bit of documentation was requested by Wyndham. We were told that an appraisal was not needed on our primary residence, but an appraisal was ordered for our rental property and completed on XX/XX/2021. On XX/XX/XXXX, when we hadn't heard back, we inquired with our representative from Wyndham, who has been very helpful and efficient, why were we waiting to close the loans. We were finally told that they were waiting for a rental schedule from the appraiser. I called the appraiser directly and asked why it was taking so long. He told me that Wyndham didn't order the rental schedule and now he could not do it. He said " They should have ordered the schedule when they ordered the appraisal ''. Today, XX/XX/XXXX, I have been told that they can not do our refinance at all because they can not find an appraiser to do the rental schedule. We have been working with Wyndham for 4 months, they should have known this months ago. We have lost our window of opportunity for the low rates that were available in XXXX. I have the documentation on dates, emails, phone calls etc. Also, dates of when documents were provided are on the Wyndham Capital Mortgage portal.
Product: Mortgage

I found a property listed for sale on the XXXX at XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX and place a {$20000.00} dollar deposit on it. Now I just learned that the Property is listed for FORECLOSURE SALE. See link below. Can someone please tell me whats going on.. 
XXXX/XXXX/2016 / XXXX XXXX XXXX County XXXX XXXX XXXX XXXX Court Fee Simple {$41000.00} XXXX, MD XXXX XXXX Lien
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to the bureaus explained to them by law the had to ONLY RETAIN current, TRUE, CORRECT, COMPLETE, and MANDATED REPORTED information per FCRA regulations, any and all others I DEMAND, as is my lawful RIGHT ( s ) to do so, that you annul and all deficient of any condition, mentioned or not! I DO NOT AUTHORIZE you to mis-report any mis-information now or ever, please review and ENSURE your adequate and full accordance to the laws upon which govern your practice of reporting consumer credit profiles. 
I was a victim of identity theft since XXXX I tried to get them to do their job .I sent in ftcs, asked them to investigate the accounts and blocked them the refused too, they have addresses that don't belong to me on my report, jobs, names and etc .I sent the companies letters too over the course of 2-4 months with no reply. ive called spoke to reps asked them to please fix this, I got sick with virus so I stopped for a lil while than my grandmother died due to the virus and I couldn't even get a loan to help cover the funeral expenses because the bureaus refuse to do their job.I explained to them how things happened In my life that could've lead to this, I put it in ftc report like I was told to do by someone when I called, I was robbed walking home from work some time ago, I had all my personal items in there I didn't know I was supposed to check my credit I pulled my credit to get a loan to bury my dad that's when I learned of a these fraud accounts on my credit report .I didn't open these accounts or give anyone permission too .i explained that one of my first cousins and I have the same name I haven't seen her in years and we both stayed at the family house we grew up together in .they had a person name XXXX XXXX and all type of bad information on my credit profile .I asked for them to send me what they have from companies saying these accounts are mine because theyre not. please help me /.I am in a crisis lost my job, lost my grandmother and these people have me on the edge I will be looking into getting an attorney to sue I am emotionally distressed this is wrong .XXXX  is the worst they don't even budge to try to follow the law.can u please have them send me what they used to determine these accounts was mine because their lying their fraudulent this has cost me so much stress
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX are reporting me as 30 days past due on the XXXX XXXX account number XXXX that has a {$0.00} balance and {$0.00} past due. This inaccurate reporting is harming my score. I have disputed this directly with the two bureaus but the coding violation has not been corrected. It is impossible to be late on payments to an account that has a {$0.00} balance and {$0.00} past due amounts.
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 U.S.C 1681. 

Account - ( XXXX XXXX ) Account number ending # XXXX, & ( XXXX XXXX ) account number ending # XXXX, & ( XXXX XXXX ) account number ending XXXX. 

Account - ( XXXX XXXX XXXX XXXX ) Account number ending # XXXX, ( XXXX XXXX XXXX XXXX ) account number ending # XXXX, ( XXXX XXXX XXXX XXXX ) account number ending # XXXX, & ( XXXX XXXX XXXX XXXX ) account number ending # XXXX Account - ( XXXX XXXX XXXX ) account number ending # 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.
Product: Credit card

Capital One mislead me and had me under the assumption that my account was protected under their payment protection plan if I ever became unemployed and could not make my payments. I was unemployed and could not make my payments for three consecutive months. I was never notified by Capital One that the payment protection plan was no longer existent.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have initiated several disputes in my credit reports due to incorrect information reporting on my credit reports. I mailed letters requesting disputes to XXXX, Experian and XXXX on XX/XX/2019, XX/XX/2019, and finally on XX/XX/2019. I received letters back from XXXX with updates to my credit reports but, I never received XXXX letter from either XXXX or Experian. NOT 1 LETTER! In accordance with the FCRA the credit bureaus are mandated to respond back to my disputes letting me know the results of the investigations but, Experian and XXXX have FAILED to respond 3 TIMES! This is unacceptable!