23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

This is a 2nd complaint because I just read the letter Loancare responded. The information was incorrect regarding the property taxes. The Loancare made a double payment as stated in the previous email and compliant due to an error by the company. We just purchased the home XX/XX/2021. The previous owners were in arrears in their property taxes, NOT US, the county applied the wrong amount to the wrong account. We did not find out about it until we got the taxes in XX/XX/2021. I've called and explained this to the company. I've tried to resolve this issue with the county. I've tried to resolve it with the closing attorney. The mortgage company received all but {$800.00} that I'm still trying to recover from the previous homeowner and closing attorney. They made an analysis on the mortgage prior to receiving the refund of {$5100.00} from the county. My mortgage should not have ever been {$3400.00} it was made in error. My XXXX mortgage should not be {$3400.00}. I am seeking for help and we are not getting it. The information is based off of inaccurate information. I am pleading for help. This issue should not be closed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 8. Verify This invalidated account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

11. Verify This invalidated account XXXX XXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 

12. Verify This invalidated account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

13. Verify This invalidated account XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Product: Money transfer, virtual currency, or money service

Summary of Complaint : I, XXXX XXXX, am the court-appointed guardian of my XXXX XXXX XXXX XXXXXXXX XXXX XXXX A {$150000.00} check was issued to me as " XXXX XXXX XXXX XXXX XXXX XXXX for funds intended to support XXXXXXXX XXXX XXXX. Despite presenting valid court documentation proving my guardianship, Moneytree , Inc. refused to allow me to cash the check. Instead, they facilitated the disbursement of funds directly to XXXX XXXX, who is legally incapacitated and unable to manage her own finances. 

This action : Violated a court order granting me guardianship. 
Exploited the vulnerability of an incapacitated person. 
Resulted in financial loss and mismanagement of {$150000.00}. 
As a result, I have been unable to fulfill my duties as guardian and have endured significant financial and emotional distress due to Moneytrees negligence and failure to act in accordance with Nevada laws, including protections for vulnerable adults and regulations surrounding financial transactions. 

I seek restitution for the {$150000.00}, damages for interest and financial harm caused, and accountability for Moneytrees failure to follow proper procedures. 

I have sent a demand letter to recover funds with added intrest.
Product: Credit reporting or other personal consumer reports

Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days.
Product: Mortgage

1. I was solicited after disclosing an issue I had that was preventing approval, and that I would not be able to move forward with the application process. I was told directly that I could be approved as well as going through the motions and receiving an approval from you during this process. 
2. When I applied for the first house ( single wide ) I was told I was good to go by XXXX and submitted offer only to have someone completely different from the office come back and say noand then it took over 24 hours to get resolution on what the ACTUAL answer was, which was a no, causing a need to withdraw 3. As referenced in 1, you stated that you would send my pre-approval all the way through underwriting to be sure there would be no issues at closing, and it was approved. When I received the update after you had to run everything again for the most recent home, it would be my assumption that the same process would have been done given the situation. 
4. When there was indication that I was not going to actually be approved through you I received the following guidance from you stating that I would be able to get approved through them. With that document they would honor not counting the student loan against you. I had already been denied for that issue, but after your guidance reapplied with them. And the loan officer I spoke with said that has never been there policy for at least 7 years since she has been with XXXX. 
5. Referencing the above email from you and below, you stated that the appraisal had been put on hold and I would receive a full refund, and that you would cancel the order and the fee would be refunded back to me. Later, you contracted all that by saying that the appraisal had been completed thats why I didnt get a full refund. Then you contradicted that when I asked for a copy of the appraisal that it had not been completed and I did not receive a full refund. 6. While not a monetary issue, the overall inconsistency of communication, delays in responses, and conflicting responses significantly impacted not only my ability to purchase a home, but cost me thousands of dollars. I am not the finance expert. You and your people are trained and paid to do this and know all the ins and outs of the process. Any actions I took were based on your professional guidance and assurances. 
In total the experience with you cost me {$2600.00} dollars, not to mention the emotional toll. All of the issues that I ran into were thoroughly discussed and disclosed to you prior to you approving me, giving me guarantees, etc regarding the Loan, XXXX XXXX, and the appraisal. I am unable to afford an apartment my family fits in ( as I was in temp housing during the closing time of the home ) without liquidating resources that were meant to purchase a home. 
I am requesting compensation for cost of {$2600.00} that was lost due to unsatisfactory services I received through your company. 
I have email correspondence, some texts, and my realtor who expressed concern with how they handled the entire process of my attempts to purchase.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX CITIBANK N A XXXX XXXX XXXX CITIBANKNA XXXX XXXX, TX XXXX Notice To Principal is Notice to Agent and Notice to Agent Is Notice to Principal Notice 1099c Tax ERROR When reading my credit report I notice a charge-off account being reported. 

Account Name : CITIBANK NA Account # # XXXX Thanks for forgiven the debt. After reviewing the account thoroughly, I see the account was a write-off. This means a lot to me and I am very appreciative that the debt has been forgiven. 

When reading the instructions for Debtor on the 1099c form from the IRS, it mentions I should have received a 1099c form from the creditor because the creditor has XXXX, canceled or forgiven the debt. 

Further more, it goes to explain I am required to include the discharge amount in my income. I never received the 1099c form to take care of this matter. 

This letter is to inform you CITIBANKNA that an error has taken place. On my consumer report there should be no balance owed, no past due amount, and there should be no days of being late associated with this charge off account. I have attached a copy of the report for you to see as a visual. Please correct this matter as soon as possible. Incorrect reporting to my consumer file is damaging my ability to be approved for credit. This is a misrepresentation of my character. This is a violation of my rights. In hopes that this is not negligent behavior and a act of tax fraud, I am kindly open, giving you the opportunity to correct the reporting of the above account. 

Thanks for being so kind to have canceled the debt. Please correct the Error and remove this XXXX debt from my consumer report.
Product: Debt collection

Mercantile Adjustment Bureau has reported a collection account to my consumer credit file.I do not owe this alleged debt! Mercantile Adjustment HAS NOT SENT any written notice of collection to me at all. This is a strong violation of the FDCPA! If Mercantile Adjustment Bureau has the right to collect in accordance with the FDCPA I am asking for validation of this account. This includes ALL CONTRACTUAL DOCUMENTS stating and proving that I am responsible for this account that I agreed to and authorized the alleged debt in question in which Mercantile Adjustment has reported to my consumer credit file. Mercantile Adjustment has no legal right to attempt to collect a debt as this does not belong to me. Again Mercantile Adjustment has not validated this debt nor sent me any notice of collection
Product: Credit reporting or other personal consumer reports

XXXX, Experian, and XXXX continue to report inaccurate infromaton for the account listed XXXX Account # : XXXX. 

Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX No. of Months ( terms ) : XXXX XXXX XXXX Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : - XX/XX/XXXX XX/XX/XXXX 15 U.S. Code 1681 - Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. 
( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
Product: Debt collection

Hello, my name is XXXX XXXX. MIDLAND CREDIT MANAGEMENT has four accounts reporting inaccurately to my credit report. I am not responsible for any of these four debts. These debts do not belong to me. They are breaking the law by inaccurately reporting on my credit report.

Please have them remove the accounts from my credit report as soon as possible. I am not responsible for these debts and they are hindering me from obtaining a car/house.

Please reprimand them. Thank you.
Product: Mortgage

On XX/XX/XXXX, I made a payment on my mortgage that brought my LTV ratio on the mortgage to below 80 %, based on the original valuation of the property. ( The property value as since appreciated significantly ). 
On XX/XX/XXXX, I spoke to a Mr. Cooper representative requesting an end to my PMI payments. 
I then sent a letter, which, according to USPS, was received by Mr. Cooper no later than XX/XX/XXXX, also requesting an end to my PMI payments. 
It has been 46 days since they received my letter -- and 54 days since the payment in question -- and in that time, they have made two additional deductions of PMI payments to my escrow account, all while refusing to respond to my letter.
Product: Credit reporting or other personal consumer reports

I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 
XXXX XXXX XX/XX/year> The following inquiry was not authorized and should not be reporting. 
XXXX XXXX XXXX XX/XX/year> The following inquiry was not authorized and should not be reporting.
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 XXXX : ** XX/XX/year> **Subject : ** Incomplete and Incorrect Information in My Transunion Credit Report Upon reviewing my Transunion credit report on the aforementioned date, I have identified several discrepancies and inaccuracies. And according to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the following information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). And according to the 15 USC 1681i 5 they are suppose to do this list ( 5 ) terminal of inaccurate or unverifiable information. ( A ) in general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a customer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s-2 they are suppose to nor 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: Debt collection

I am not liable for this debt with Kikoff lending LLC. I have no knowledge of this account, I do not have a contract with Kikoff lending LLC. They did not provide me with the original contract as requested.
Product: Money transfer, virtual currency, or money service

Hello, We were the victims of fraud through Citibank/XXXX. 
Timeline : -Listed couch for sale late XXXX XXXX for {$280.00}. 
-We get an offer from a male that sends us a cashier 's check for {$1900.00} to pay us for the couch & movers that are coming to pick it up -Check deposited XX/XX/XXXX ( it was a fraudulent check ). 
-It took Citibank over a week to report this to us and we received a letter on XX/XX/XXXX. We have never bounced a check and didn't realize it took several days for us to get notified! Note that we have been Citibank customers for over 30 years. 
-Assuming check had cleared as funds were in our account on XX/XX/XXXX, and trusting XXXX since Citibank backs/has a partnership with them, we made a RELATED XXXX payment for {$1700.00} on XX/XX/XXXX. This was for what the scammers said was for movers minus couch- that they ended up not coming to pick up on XX/XX/XXXX ( the day before the check bounced, but 3 days before we were notified AT ALL by a letter that arrived in the mail ). 
-So, we LOST {$1700.00} as a result of this SCAM by a service pushed by Citibank as a partner plus the {$12.00} bounced check fee. 
-We reached out to Citibank twice with the information and twice they denied our claim saying we had authorized the transaction ( yes, we did but assumed funds posted properly in our CITIBANK account ) so they would NOT help us at all. Again, this is after we provided Citibank all the information we had and used a service pushed by our bank that we were loyal to for over three decades. So, we thought it was safely backed for customer usage in the event of any fraudulent activities. 
-The last denial arrived via mail on XXXX XXXX XXXX 
We provided details of the fraudulent check, the UPS tracking information in which the cashier 's check came, as well as another XXXX XXXX account the scammers gave us when they thought we'd send them the balance for the couch they never came to pick up. We also provided a cell phone number used that was still active at the time. They refused to investigate at all and/or help us track him down to try to recover our money.
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 XXXX, Account name : Credit Collection Servic # XXXX, Account name : Dept of ED/XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have violated my rights.

15 U.S.C. 1681 Section 602 A. states that I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : This also states that a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1681c. ( A ) ( 5 ) Section states that no consumer reporting agency may make any consumer report conta
ining any of the following items of information : Any 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 or prepaid card

I have ( or had now ) 3 Capital One Cards, All three accounts are closed they been paid for no problem for years when I changed banks and set up a new auto pay since the accounts are closed I havent been checking the status when I get them because the accounts are closed if the auto pay is set up theres no reason to look at anything with the account being closed the minimum monthly isnt going to change all of a sudden I get a notice in the mail only notice Ive ever gotten about anything the one of the accounts was sold to collections! 

How? Why? Because even though I turn the auto pay on and set it up it wasnt working no phone calls no notices in the mail nothing such XXXX  way to ruin my credit capital one
Product: Credit reporting, credit repair services, or other personal consumer reports

ALL THREE CREDIT BUREAUS ] EQUIFAX, XXXX AND XXXX HAVE DIFFERENT INFORMATION ACCORDING TO THE FAIR CREDIT REPORTING ACT 12 U.S.C. CH 16 ; 1830-1831 ALL THREE CREDIT BUREAUS ARE TO HAVE ALL THE SAME INFORMATION AT THE SAME TIME. 

[ EQUIFAX APPEARS TO HAVE THE MOST ACCURATE INFORMATION ] Old information remains on my credit reports and does not go away. Old addresses, phone numbers and employment. [ My updated student loan information is only shown on Equifax and not XXXX AND XXXX ] XXXX AND XXXX NEVER HAVE A REPRESENTATIVE AVAILABLE TO DISCUSS ANY ISSUES PERTAINING TO CREDIT THE INFORMATION REMAINING ON MY CREDIT REPORT MAKES IT DIFFICULT FOR ME TO GET GOOD CREDIT WITHOUT PAYING PHENOMINAL FEES.
Product: Credit reporting or other personal consumer reports

I have been a XXXX XXXX XXXX customer since XX/XX/XXXX and during that time, I have enjoyed the experience and learning process of managing payments responsibly. I never missed a single payment. 

I was writing to humbly request that they would be willing to remove the negative payment information from the reporting credit agencies. I have seen XXXX late payment on XXXX XXXX XXXX ( Account # XXXX ), from XX/XX/XXXX in my Experian report. I have not had missed a single payment on my XXXX XXXX XXXX account in the past XXXX years. 

Please find the supporting documents attached to this email and remove the late payment information from the credit bureaus. 

but they never removed the negative information from my credit reports.
Product: Credit reporting or other personal consumer reports

I am filing this complaint because my credit reports show several unauthorized inquiries that I did not initiate or approve. These inquiries have appeared without my consent, and despite reaching out to the credit bureaus to have them removed, they remain on my reports. My disputes have been ignored or dismissed without proper investigation, leaving these inaccurate inquiries to negatively impact my XXXX XXXX. This situation is both alarming and unjust, as these inquiries are not a result of any actions Ive taken.
Product: Debt collection

When checking my credit report I noticed I had a collections debt that was not mine in the amount of {$1100.00}, the original creditor is XXXX XXXX XXXX  and the creditor that is reporting to collections is Sequim Asset Solutions.The account was opened XX/XX/XXXX XXXX XXXX which is puzzling because I had my credit frozen for almost a year as of today and XXXX XXXX  still approved someone with services in my name and information. I have reached out to XXXX XXXX  and they were no help so I went ahead and filed a dispute with all credit bureas. This debt is not mine along with the address that was linked to this debt. Please help and Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an account without my written instructions.
Product: Credit reporting or other personal consumer reports

I have disputed XXXX accounts that each contain multiple errors, each multiple times with Transunion : ( 1 XXXX XXXX XXXX SC with account number XXXX and ( 2 ) XXXX XXXX XXXX XXXX with account number XXXX Transunion has failed to conduct a sufficient and thorough investigation or delete the inaccurate accounts as a result of the unverified information. They have only responded with frivolous letters stating the accounts are verified as accurate however they have never provided sufficient documentation nor proof that an investigation was conducted.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my eighth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, WI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX WI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX WI XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX WI XXXX; XXXX XXXX XXXX XXXX XXXX, WI XXXX ; XXXX XXXXXXXX Balance : {$460.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$88.00} ; XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX ) XXXX Balance XXXX {$9800.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$680.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX  Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XXXX  Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XXXX XX/XX/XXXX.