23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

On XX/XX/XXXX I submitted documentation providing a new flood insurance on my policy and asking for a new escrow analysis. 
Was told one would be automated and sent to me. 
Two days later I called back asking for an update and was told by a different customer service rep that escrow analysis were done once a year. Then transferred to a supervisor and told I should just email a hardship request to have the escrow amount spread out over a period of time, that way my payment would go down.

I emailed the given email with the request then checked back a couple of days later to ensure delivery and was told by a csr that I have to handwrite the letter and the request for hardship hasn't even been forwarded to anyone. I explained to this csr that all I wanted was to have the escrow reanalyzed. I then asked what it would take to close the escrow account completely and she told me that due to the nature of the loan, it was impossible. She assured me that the request for reanalyzing my escrow was open and it was being expedited and told me to call back on the XXXX of XXXX. 
Called to check status on the XXXX and was told by csr that the escrow analysis request was open but not completed, and she wanted to transfer me to the insurance dept to get more info.

Spoke with csr named XXXX  who informed me that there was NO open request for analysis but she could open one and it would take 4-10 business days to complete and then I could wait on a letter from the escrow department regarding my new payment. Asked to speak with supervisor. Supervisor reiterated the same thing, that no analysis was open already and I'd have to wait. She then forwarded me to her supervisor named XXXX XXXX. Who let me know that all of the previous CSRs never opened an analysis and that " 4-6 more days isn't that long to wait '' even though I've been waiting since the XXXX. 
I inquired again about closing the escrow acct in it's entirety and was told federal laws would not allow that with my flood insurance and it would take 5 or so business days to find out if my homeowners insurance would be able to be out of an escrow account and I'd have to be transferred to another department to inquire about taxes.

This company has been disrespectful and deceptive and has lied about my money numerous times. I request this mortgage company and their practices be audited to save consumers valuable time and money.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I had did my daily check on my XXXX XXXX and I noticed it went down XXXX points. So checked my report and saw that there was a hard inquiry placed on my report. There was a credit card application for capital one on the XXXX I didnt do the application.
Product: Mortgage

My mortgage was with XXXX XXXX XXXX and then it was transferred to Carrington Mortgage. I have for more than five years tried to modify my loan. I received the attached letter and I sent in all the documentation requested. I had invested 25 years in my home.

I never received notice of the foreclosure and I have not heard from the mortgage company since I submitted all papers asked for by the date requested of XX/XX/XXXX.
Product: Debt collection

I received a letter on Friday, XX/XX/XXXX from Lien Enforcement , Inc. stating we should mail a payment to Lien Enforcement , Inc., dba Lien Enforcement CA , Inc., XXXX XXXX XXXX XXXX, XXXX PA XXXX for {$2100.00} for what they said was a towing fee due to XXXX  XXXX for picking up a XXXX XXXX Motor Home that I no longer owned. I sold it in XXXX to a person who planned to live in it. I gave him the title and a bill of sale and had him to sign one for us that he had received the Bill of Sale and the motor home. We contacted both the Lien Enforcement and XXXX XXXX in XXXX XXXX, TX, explaining this, and neither would furnish us with any information. Lien Enforcement said they sent us a certified letter, which we never received. XXXX  stated they don't have a file on this matter and couldn't send us any paperwork or information, but that the debt is owed. 
Please help us. We are seniors in our XXXX and this is terribly upsetting. 
We have nothing showing that any of this really happened. We don't know what to do.
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an Items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousnessXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

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  Account XXXX Account Name : XXXX & XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account XXXX : XXXX  Account XXXX Account Name : XXXX  Account XXXX Account Name : XXXX Account XXXX has violated my rights. Or a 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: Debt collection

Please, before reading this complaint, refer to my previous complaints : XXXX and XXXX. 
Yesterday, XX/XX/XXXX, the sum of {$720.00} with XXXX ID # XXXX and the XXXX XXXX processing fee of {$120.00} was debited ( stolen ) from my XXXX XXXX checking account. When I called XXXX XXXX  they informed me that this belongs to a garnishment imposed by Second Round LLC. This company on XX/XX/XXXX sent me a Notice of Garnishment Dismissal ( See attached letter ) stating that they voluntarily dismissed the garnishment. After that I have not received any new communication from Second round LLC or its attorney so I assume nothing has changed. The money charged is NOT even earned income because I am unemployed. ( please read my previous complaints for a better understanding ). The account was overdrawn once again and I don't understand why my bank admits making these types of charges without the authorization of me as a customer. 
I repeat, I have not received any new communication from Second Round LLC or its attorney. 

I'm attaching the response from Second Round to my last complaint and the solution I received by mail.
Product: Credit reporting or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXXXXXX Balance : {$15000.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$2.00}, XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} 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

In accordance with the Fair Credit Reporting Act, 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. This collection account is also being reported as open and past due which is a violation of FCRA and XXXX XXXX Compliance. 

I have disputed this several times in attempt to correct the inaccurate information that is being report, however XXXX XXXX XXXX has yet to correct the account which violates 12 CFR 1026.13 ( d ) ( 2 ) that states the creditor or its agent shall not ( directly or indirectly ) make or threaten to make an adverse report to any person about the consumer 's credit standing, or report that an amount or account is delinquent, because the consumer failed to pay the disputed amount or related finance or other charges.
Product: Mortgage

Name : XXXX XXXX XXXX FHA Loan no : XXXX Last Friday XX/XX/2023, we are scheduled to close our loan at XXXX. On the day of closing, they said they can not do it because I have a previous FHA loan from another lender and I can not have 2 FHA loans at the same time. Its true i did have a previous loan from another lender but the purchase of that house did not push through and i was told by my previous lender that it was cancelled. However, it did not appear that it was cancelled. my issue is how come they did not see this on file to be resolved before the closing day? So we had to call our previous lender to have it cancelled and have FHA cancel it on their part as well. So now our closing got moved today, XX/XX/2023. My lender told me 100 % sure to close. STILL that is not the case. FHA has not cancelled our previous loan on their part which they have been working on since last friday. Up to right at this moment I am still waiting for them to send closing documents to my lender to be able to close today. Roughly it is taking them one whole working day to do this documents. Please understand we are living a hotel, paying it by the day. We just moved here from Indiana as a XXXX XXXX and we are losing money by the day paying hotels, eating out, missing work for the scheduled closings that keeps getting cancelled. If i have known how terrible this situation is going to end up i would have gotten a conventional loan instead. Somebody out there is not doing what they are supposed to do timely and efficiently.
Product: Credit card or prepaid card

On XX/XX/2018 I noticed series of transactions, had taken place starting at XXXX {$200.00} was withdrawn from my account as well as two more additional withdrawals of $ 202.25and a final withdrawal of $ XXXXadding up to a total of {$760.00}. These charges were not authorized. I do not live in XXXX texas and rarely even go on that side of town. Plus it would be impossible for me to be on that side of town in such a short amount of time considering I had just made a purchase at XXXX at a local tobacco store ( XXXX XXXX XXXX XXXX XXXX XXXX. XXXX tx XXXX ) - the unauthorized atm withdrawals took place at XXXX XXXX XXXX XXXX. XXXX   tx which is XXXX miles away from the location I had just left ( XXXX XXXX XXXX XXXX ) and the first withdrawal took place at XXXX, this would be impossible considering it takes a little over XXXX minutes to get to XXXX from that location. Additionally I would never withdraw all of my funds on any occasion, considering I usually pay my bills electronically, my mothly statements should reflect that as well. 

This issue has cost me my job, my car and pretty soon my cell phone, my life is in utter turmoil at this point. I cant afford medication that i need to sustain life considering I have XXXX XXXX XXXX XXXX   XXXX that requires maintenance medication. Netspend agreed to send a denial email explaining why I was denied but the denial email has no details as to why I was denied. I was also promised a call back from the claims department within XXXX to XXXX hours and I have still not recieved that call, even though I call netspend everyday in regards to this issue. The claims department is literally ignoring me and I'm all out of options.
Product: Credit reporting

Experian.com fails to inform applicants of the automatic monthly fee into a forced subscription/ membership. This was my experience upon utilizing Experian.com to obtain my credit report, which I paid for that via online. Please note this was my first inquiry on my own, which I am entitled to obtain for free, however I paid for it and received it. What I did not authorize was to be automatically enrolled into additional services I never requested. Furthermore services for their fee was never provided, I did not receive any assistance for credit issue however they obtained a total of {$79.00} ( XXXX payments of {$9.00} ). This is a hidden and deceptive practice this credit company forces their clients into. Please note I did pay for my credit report but was unaware of the monthly {$9.00} monthly subscription. Experian.com unlike its competitor XXXX does not ask for a credit report, this is something all credit companies should provide for free since a consumer is entitled to XXXX credit reports a year.
Product: Mortgage

Hello I found a chapter XXXX XX/XX/2021 the mortgage was XXXX stated by US Bank the original mortgage was XXXX once I filed a chapter XXXX and mortgage went back to XXXX I've been paying it for the last 3 months I missed a payment in XXXX bankruptcy got dismissed XX/XX/2021 I received a mortgage statement stating that I owe {$2000.00} in a letter saying that I can apply for a loan modification. Apply for mortgage assistance in my county do the covid also contact the US Bank home mortgage and requested a loan modification packet XX/XX/2021 at that time I was denied I'm unclear while I was denied and why the packet wasn't sent out when I'm sitting here looking at a letter that they're offering me a loan modification also I'm in the middle of trading my vehicle in because I got engine failure my {$2000.00} that's impact in my credit score is stopping me from getting a vehicle to continue on I need better communication with this creditor and I am not trying to lose my home due to lack of communication otherwise they're going to force me back into bankruptcy to secure my home and that's totally not fair when I screwing up my credit score when I need that for other things and to survive.
Product: Credit reporting or other personal consumer reports

on XXXX I called XXXXXXXX XXXX to discuss the inquiry from XX/XX/XXXX on my credit reports They indicated Experian needs to fix the error the inquiry should fall off XX/XX/XXXX not XX/XX/XXXX on my experian credit report there is a inquiry from XXXXXXXX XXXX for XXXX the inquiry should fall off in XX/XX/XXXX not XX/XX/XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

To whom it may concern, This complaint is against XXXX, XXXX, AND EQUIFAX for the following violations of my rights as a federally protected consumer under the Fair Credit Reporting Act and Privacy Act of XXXX.

15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. XXXX, XXXX, AND EQUIFAX are in direct violation of this law by reporting my transaction history ( private information ) illegally WITHOUT my WRITTEN CONSENT for XXXX XXXX XXXX account # XXXX  and XXXX XXXX XXXX  account # XXXX. Reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Fair Credit Reporting Act compliance. Per 15 USC 6802 I am now exerting MY RIGHT to OPT OUT of sharing my transaction history. All transactions reporting as late on XXXX XXXX XXXX account # XXXX  must be deleted and updated to paid as agreed. All transactions reporting as late on XXXX XXXX XXXX  account # XXXX  must be deleted and updated to current/paid as agreed. A response of this account has been " validated ', will not be accepted as I am not asking you to validate or verify anything. XXXX, XXXX, AND EQUIFAX are reporting the account XXXX XXXX XXXXXXXX XXXX Account # XXXX  in the amount {$520.00} as a charge off on my credit report. The IRS CLEARLY defines a CHARGE OFF as a CERTIFICATE OF INDEBTEDNESS which is now INCOME. INCOME CAN NOT be reported on THE CONSUMER REPORT which makes reporting of this account INACCURATE and in violation of 15 USC 1681. Additionally, the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt XXXX, XXXX, AND EQUIFAX reporting collections/Charge-Offs XXXX late payments/other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness by Certain Entities.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have XXXX XXXX XXXX say that I owe money however. I have never done any business with them or anyone they may represent. The credit Breau never did a proper Investigation According to the FCRA The term investigative consumer report Means a consumer report or portion therefor in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. In addition this is not my collection. PLEASE FURNISH ME A BINDING CONTRACT BETWEEN ME AND THIS COMPANY Also, they have Violated my rights even more In accordance with the Fair Credit Reporting Everything must be 100 % accurate on my consumer report. 
The Credit Bureaus stated my accounts was properly investigated, How is that possible if the OPEN DATE, BALANCE, HIGH CREDIT, CREDIT LIMIT, PAST DUE, PAYMENT STATUS, LAST REPORTED, DATE LAST ACTIVE, DATE OF LAST PAYMENT is inaccurate. This is ground for REMOVAL/DELETION In addition, they also Violated my LAW because according To 15USC 1681 Section 602A States I have the right of Privacy 15 USC 1681 Section 604A It also states consumer reporting agency can not furnish an account without my written instructions. 
Your information is incorrect.. 
PLEASE DELETE THIS FROM MY TRANSUNION CREDIT REPORT. 

I did not give anyone any written INSTRUCTION!!!! 
XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I noticed I had several late payments with this company. I was asking the company to update my payments to PAANL or bring my account to good Standing due to law 15U.S 1681 section 604A section 2, 15 U.S 1681 section 602 states I have the right to privacy. 15 U.S 1666B
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence l provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer. These are the accounts that I marked inaccurate. 

XXXX. XXXX XXXX # XXXX XXXX. XXXX XXXX XXXX # XXXX XXXX. XXXX XXXX XXXX XXXX. Sun XXXX XXXX # XXXX XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX. XXXX XXXX XXXX # XXXX XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

After reviewing my credit file I notice XXXX accounts that are the same account being reported on my credit file. Under the FCRA, it 's not illegal for birth to be reporting but under the law they both can not be reporting a balance. I have disputed this information several times and the credit bureau continues to state this information is correct. Under the FCRA sec XXXX this is an illegal practice and they should know this can not be done. XXXX both items with a balance has help destroy my credit worthiness and it 's a violation.
Product: Credit reporting, credit repair services, or other personal consumer reports

please review these accounts that appear on my credit report, they do not belong to me and are hurting me. 
Identity Theft XXXX CARD  Account Number : XXXX This is not mine. 

2. Identity Theft XXXX  Account Number : XXXX This is not mine. 

3. Identity Theft TOYOTA MTR Account Number : XXXX This is not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have provided Equifax with all the information they need to " block '' the fraudulent account listed on my credit report, yet they haven't. I told them that my information was compromised due to the data breach they caused in 2017, and have provided documents showing that I was a victim of that data breach. Remove the account!!
Product: Payday loan, title loan, or personal loan

My loan was sent to court through XXXX county SC. It was disposed on XXXX. Today XXXX the store in XXXX SC contacted me to collect the debit. Isn't this illegal?
Product: Mortgage

I have had a mortgage since XX/XX/XXXX with the same insurance company since then. The service company changed to LoanCare in the past 12-18 months while everything else remained stable. On XX/XX/XXXX my insurance was up for renewal and the new servicer did not pay the bill for home insurance despite calls from me to them. As a result my insurance was dropped and I was charged XXXX $ fee for lapse in coverage. My new insurance co. began XX/XX/XXXX.  Loancare denied any responsibility for the lapse in coverage and deducted the money from my escrow account. I believe they are responsible for the lapse and then they had the nerve to charge me for their mistake.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've gotten in touch with all 3 credit agencies to report all the collections and inquiries on my report to have them removed because there's no signature or validity to any of these there's XXXX XXXX  THAT'S REPORTING I HAVE 4 OPEN ACCOUNTS AND XXXX XXXX REPORTING I HAVE 2 WITH THEM IN WHICH NONE IS TRUE I NEED ALL ACCOUNTS AND IINQUIRES REMOVED