23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I have communicated with Amerihome regarding my mortgage on numerous occasions since XX/XX/XXXX. I have requested an escrow analysis twice ( XX/XX/XXXX & XX/XX/XXXX ) to ensure my Homestead Exemption was reflected on my account with my new tax rate. I sent the Tax Bill to Amerihome when I requested the first escrow analysis. I have yet to receive the analysis and my XXXX taxes are still being utilized to calculate my XXXX escrow resulting in me paying a mortgage payment that is way higher than it should be. Additionally, I have escrow overage. I'm sure at least a portion of it should be refunded to me. 

In addition to my calls, I have emailed Amerihome customer support department twice and also requested to speak with a supervisor several weeks ago. No return contact from either. I called again today and requested that a supervisor contact me regarding the overage I'm being charged in my monthly mortgage payment and the escrow overage that is being held in my account. 

My taxes in the amount of {$6600.00} were paid by Amerihome in XX/XX/XXXX yet, they are still using my previous year 's tax rate of {$10000.00} ( which is incorrect ) to calculate my monthly escrow. 

My Insurance & Taxes : Homeowners- {$4100.00} Flood- {$1300.00} Taxes - {$6600.00} Total - for {$12000.00} Escrow : Account as of yesterday - $ XXXX Monthly escrow being collected - {$1300.00} per month ( X 12 months =. {$16000.00} ) If you add the money in my escrow account ( {$9300.00} ) to the annual amount Amerihome is collecting ( {$16000.00} by the end of XXXX ) they will have {$25000.00} of my money. If my insurance and taxes are {$12000.00} for the year, why does Amerihome need an additional {$13000.00} of my money? 

Kind regards
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX XXXX # XXXX XX/XX/XXXX -- {$520.00} XXXX  # XXXX XX/XX/XXXX -- {$170.00} XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX  XXXX # XXXX XX/XX/XXXX -- {$100.00} TX XXXX XXXX XXXX XXXX XX/XX/XXXX -- {$3300.00} XXXX # XXXX XX/XX/XXXX -- {$910.00} XXXX  # XXXX XX/XX/XXXX -- {$2600.00} XXXX  # XXXX XX/XX/XXXX -- {$0.00} XXXX XXXX  XXXX XXXX XX/XX/XXXX -- {$17000.00} TX XXXX XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX XXXX TX XXXX XXXX XXXX XXXX XX/XX/XXXX -- {$13000.00} XXXX # XXXX XX/XX/XXXX -- {$0.00} TX XXXX XXXX # XXXX XX/XX/XXXX XXXX {$0.00} XXXX XXXX  # XXXX XX/XX/XXXX -- {$2000.00} XXXX XXXX  # XXXX XX/XX/XXXX -- {$260.00} XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$1100.00} XXXX XXXX  # XXXX XX/XX/XXXX -- {$170.00} UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting

Trans Union continues to bully and cripple my ability to even move or prove to a business I 'm me. As Trans Union has changed the placement of my name 's switch last, middle and first on their reports to companies then Trans Union deletes my first name and gives me to last names. All because Trans Union wants to violate my rights of privacy demanding I send them my Government issued and personally paid for State ID and they have no rights to my SSA card or State ID/ License. So Trans Union claims that they got the illegal fraud report on my name from XXXX or XXXX. Yet for the history of XXXX & XXXX under my SSN My name is as it is on my ID which is XXXX and not XXXX XXXX, or any other version that ONLY Trans Union is doing. I have less than 50 days to move as the home I 'm in is sold, but when I apply other places Trans Union malicious actions and reports deny the rights to my own name & SSN as if Trans Union is the government agencies that issued me my SSA card number, birth certificate, and government issued and I paid for documents. Trans Union needs to stop this holding my own private personal information in error by malice and cease w/ all reporting of fraudulent data that they know the other Credit agencies are not. Trans Union has been doing this to me for over 16yrs now always demanding my personal ID and SSA card which I have the right to refuse, but gives them no right to use defamation and retaliatory actions to bully or try and force me to give up my rights.
Product: Debt collection

There is a collection firm stating I owe XXXX and I do not. This debt was paid a while ago and this company is hurting my credit with false information I have disputed it and it still remains. This is FALSE and they are violating my rights reporting inaccurate information. Please help
Product: Credit reporting or other personal consumer reports

I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand XXXX XXXX  to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld. Please see the attached file for this concern.
Product: Credit card or prepaid card

On XX/XX/XXXX, I was arrested and incarcerated for a little over 10 months. I was released on XX/XX/XXXX. When I was arrested, my vehicle was impounded for approximately a month at XXXX XXXX located at XXXX XXXX XXXX XXXX, MD XXXX. It was picked up by mother and parked at my step fathers house for a short period of time. It was then moved back to my mothers house until I was released. The last place I had my card was inside my arm rest in my car. My stepfather told me when I was XXXX that he found a money order, my drivers license, other cards and paperwork inside of my vehicle when he had possession of it. He told me that he would put everything up in a safe place until I got home. When I came home and asked him about my property retrieved from vehicle, he stated that he would look for everything and get back to me. I eventually regained access to my beacon account and my Bank of America prepaid account. I then discovered that I was defrauded for thousands of dollars without my knowledge or consent. The total Bank of America said I was defrauded of was {$14000.00}. These unauthorized transactions occurred between XXXX. I filed a claim with Bank of America due to fraud activity and submitted all required documents needed to perform a extensive investigation. Instead I was denied several times without explanation. I was only told via mail that all the charges were accurate and my claim was closed. The investigation department made decisions without using all of my evidence provided to make a proper decision. I felt it was a lazy and rushed investigation. Bank of America had failed to provide me documents after requesting them regarding my claim. Those documents included pictures of the person using the ATM to fraudulently withdraw money from my account and and why my claim was denied several times.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied to a rental company managed by XXXX XXXX XX/XX/XXXX. I was notified that I was denied and I can receive a tenet screening report from XXXX and have them submit a Consumer dispute form the Experian Credit Reporting Bureau. I have received the tenement screen report showing unknown and unauthorized Bank accounts, Loans, Credit cards, Rental property deficiencies with past due balances, along with Civil cases reporting of unknown evictions and possessions. From XXXX to XXXX I was XXXX, XXXX, and XXXX XXXX by an Ex-Partner who had full access to all my personal information SSN, Date of birth, copies of my ID, ect. At the time He would take care most of our financial bills and other obligations. After XXXX I had to remove my self from the relationship, and while doing so I was being victimized and had to call authorities where He was arrested and charged with XXXX and XXXX XXXX. Since the my physical address has been my current address. I am pursuing to file charges against Him currently for these unauthorized accounts and tarnishing my credit and name. XXXX, XXXX, Equifax has all been updated with this information. XXXX  has the most correct updated information that I, and I only authorized. XXXX  unfortunately when being contacted isnt all that friendly has not updated anything I have disputed. Im XXXX and Ive been a month fighting homelessness awaiting XXXX  to remove the fraudulent accounts from record. I called to see if I could receive a reasonable accommodation to have the information redacted, they denied. I really need these fraudulent items on my Credit report removed immediately.
Product: Money transfer, virtual currency, or money service

I had purchased a puppy from a breeder using XXXX when I was a part of PNC Bank. Within minutes I realized it was fraud and immediately contacted my bank. They said they would cancel the payment, yet the next day {$750.00} was withdrawn from my account. My bank said and I quote : you can file a dispute but well never accept it. You can keep filing but well keep denying you. I filed a police report and disputed this two separate times. Within a week I had four more unauthorized payments on my account, even after changing my car number, and my bank refused to help me with these as well. I eventually left PNC completely.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below .I demand the following accounts be verified or removed immediately : Account Name : XXXX  ( Original Creditor : 08 XXXX XXXX XXXX XXXX Account Number : XXXX Reason : Unverified account Account Name : XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Reason : Unverified account Account Name : XXXX Account Number : XXXX Reason : Unverified account Account Name XXXX XXXX Account Number : XXXX Reason : Unverified account Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : Unverified account Also, please remove all non-account holding
Product: Credit reporting or other personal consumer reports

This is the three time I disputed this issue. 

Every time I dispute this item the credit agency updated this item with new inaccurate information. 

I will attached a screenshot of the credit bureau adding on more inaccurate data regarding this item. 

I have submitted proof that XXXX did a investigation and has delete the inaccurate item from my report. 

ALL INFORMATION THROUGH THE CREDIT AGENCIES SHOULD MATCH. 

The credit agency is violating : Section 623 ( e ). The FCRA prohibits information furnishers from providing information to a CRA that they know or have reasonable cause to believe is inaccurate. 

Under the Fair Credit Reporting Act ( FCRA ), both the credit reporting agency and the information provider have responsibilities for correcting inaccurate or incomplete information in your report. 

The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies ( CRAs ).
Product: Credit reporting or other personal consumer reports

I am submitting this formal complaint regarding JPMCB/Chase Banks failure to provide me with a XXXX form for tax reporting purposes. My previous complaint with the CFPB was closed on XX/XX/year> ( XXXX XXXX. XXXX ) based on JPMCB/Chase Banks response. However, the issue remains unresolved as I have not received the required XXXX form that was owed to me. 

As of today, I have not received any communication from JPMCB/Chase Bank that fulfills their legal obligation to provide this XXXX form. This failure to provide the form is causing unnecessary confusion and potential complications with my tax filing. Despite numerous inquiries, I have yet to receive the document. 

I am requesting the XXXX form for the tax year in question, which JPMCB/Chase Bank is required to issue. JPMCB/Chase Bank has not sent me this form, which they are legally obligated to provide for the year the account was charged-off. 

CFPB Case Number : As referenced above, the previous case was closed on XX/XX/year>, but the core issue of receiving the XXXX form was not addressed satisfactorily.
Product: Credit card

Bank of America XXXX XXXXXXXX card charged me interest when they shouldn't have. I have a XXXXinterest balance on the card, but I made a charge for airline tickets, which I paid in full, plus my annual fee came due. I made a payment 2 days before the due date for the ticket, plus an additional amount to cover those fees plus pay down my balance, which is at XXXX percent. They did not apply the payments to cover the higher interest rate balance, and charged me {$12.00} on interest in XXXX and an additional {$.00} in XXXX. This violates the statements on the CFPB Website- If you have other balances on the card that have a higher APR than the deferred interest balance, any amount above your minimum payment will be automatically applied to the balance with the higher APR. 

I got my interest refunded after I read this statement to the agent, but this needs to be looked into. I'm assuming they are doing this to other individuals.
Product: Mortgage

My ex filed a bankrupty procedure back in XXXX 2015. Unfortunately, I had not yet moved the mortage into my name alone. now his bankruptcy is keeping me from paying my mortage. I have tried repeatedly to reach out to Wells Fargo so I can continue to pay the mortage, which I had been paying on my own for over XXXX years until Wells Fargo stopped deducting the auto payments from the account. Now, now one will speak to me at Wells Fargo. The bankruptcy that my ex filed is ruining my credit as Wells Fargo is reporting the debt as outstanding on my credit report. I have called wells fargo and have given them the acct several times and have asked that they deduct the payments and nothing, the money is just sitting there.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion Credit agency, for 3 months straight has downgraded my credit rating, by removing 3 times now my XXXX XXXX XXXX  accounts, each that I have had opened for 4 years now ... andf have always been on time and A rated credit, both carrying a {$0.00} balance and XXXX lines of credit accordingly, last month i disputed their removal of these accounts in good standing, now again they removed them again ... the bank verified that they did in fact report the credit to all 3 Credit monitoring agencies, XXXX   and XXXX have this account listed and in good standing. 

On the XXXX I applied for vehicle loan with XXXX XXXX, was approved..today my loan value due to decreased fico score, has been raised an extra XXXX in interest due to credit rating, enough of this XXXX ... Transunion has held no credible response, nor response of repair and clearly violated my credit rights..please fine them
Product: Credit reporting or other personal consumer reports

I have made uncountable complaints with XXXX XXXX XXXXXXXX XXXX, filed disputes with credit reporting agencies, and to no avail have anything been corrected. I have provided documentation and still no proper investigation or correction to all major credit reporting agencies. XXXXXXXX XXXX XXXX XXXXXXXX explained how my account was reported in error as being 60 days late, and the payment for XXXX is not due yet, and it is reported as late 30 days too. I am really disappointed with the lack of assistance and XXXX XXXX taking accountability for their errors in reporting my account late 60 days. I have never been over 10-15 days late since the account was open. This problem didnt occur until my account was transferred to this company and they are refusing to update reports with all credit reporting agencies and the credit reporting agencies are not investigating as should be to request proper data to validate the false reporting.
Product: Credit reporting or other personal consumer reports

Belk Company continues to report negative amount on my credit report. The account is closed but they continue to report negative amount on my credit report. Attached is a copy of a 1099c from the IRS showing that the account has been satisfied. When contacting Belk they inform me that the account is closed, however every month they report negative amount to credit agency. I am currently in the process of refinancing my home and this negative reporting of this amount is affecting my credit score and putting a hold on the refinancing process.
Product: Student loan

On several credit reports it is noted that I was 60 days late on my Federal Student Loan payments in XXXX of 2014 - however, during this time I was a member of XXXX and on a loan deferment program. I 'd like to have the late payments on my Federal Student Loans erased.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). 
I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX  of Debt Bondage and would like for all listed accounts to be blocked and deleted company information Transunion. Please delete the following accounts. XXXX XXXX XXXX XXXX {$300.00}.
Product: Debt collection

XXXX XXXX, 2016 was when they say the account was opened..They kept calling my phone non stop harassing me about a loan of a {$130.00}. It says it is a XXXX balance account but still showing on my credit report. I would like this to be removed from all three Credit bureau..
Product: Credit card or prepaid card

I have a credit card at first bank card.com/tcf bank. I paid my balance in full by the due date. They still charged me a interest charge of XXXX .I called customer service XXXX XX/XX/2020 and XX/XX/2020 to try and get this charge reversed. They refused to do this. They also said that Ill have another interest charge next month even if I pay the full amount. I feel that this is unfair and that their statement is false and misleading. All of the credit cards that I previously had didnt charge you interest if you paid in full every month. Any help, you give would be greatly appreciated. Thank you,
Product: Student loan

I have been paying navient student loans and XXXX XXXX student loans but they have on my three credit reports that I am delinquent they are not showing the payment they have not accepted the hardship papers that I mailed to them last month they are refusing to lower the payments so I started to pay They didn't accept the deferment and they didn't accept the hardship papers but I have proof that I mailed them a payment in the order of money orders both companies I will submit that documentation now thank you the outcome is I want them to accept my deferment because I sent them proof that I received XXXX and I sent them to XXXX letter they did not acknowledge me instead they put on my credit report that I was delinquent
Product: Credit reporting, credit repair services, or other personal consumer reports

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

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is report inaccurate information to my credit report. 
XXXX reports the DATE OPENED XX/XX/2018 and XXXX & Equifax report the DATE OPENED XX/XX/18 Amount : Balance : {$990.00} {$990.00} {$990.00} The HIGH CREDIT and CREDIT LIMIT do not match. 
Date of last active do not match. 
Date of late payment do not match. 
602. Congressional findings and statement of purpose [ 15 U.S.C. 1681 ] ( 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 title 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 title.
Product: Mortgage

On XX/XX/2021 there was an electrical Fire at my home. I notified Wells Fargo 48hrs latter. I kept telling them I would not make any payment do to that. They signed me up with XXXXXXXX XXXX who put me on a 4 month forbearance. ( XXXX XXXX took exactly XXXX yr to pay calling it XXXX then switched to electrical fire now the house is full of mold & still not fixed ). I send the payoff check Friday XXXX XXXX & it was picked up @ XXXX by someone for Wells Fargo XXXX XXXX XXXX. I paid {$36.00} have the tracking number & name of person who picked the check up. I have called them 4 times they deny having that check. They keep calling me & emailing me & harassing me about a payment for a home that is unfit to live in the mold has gotten extremely worse. I want every cent I paid them from XXXX XXXX XXXX to now. Plus I feel I should be compensated for the stress & aggravation. First knowing the check is there for Payoff they should cancel payments unti resolved, It has been one year & 6 months.Now I want them to repair the home XXXX to XXXX free of charge & give me a Reprinted check for XXXX check payable to me Wells Fargo XXXX XXXX XXXX have put me through XXXX WF should have a direct number & the same person to talk to. First you get put on hold 2 or 3 times & have to listen to all that pre recorded garbage that doe not pertain to me. Please help. Dut to high number spam calls & my 12 hr shift work no phone email is best. I get it on my phone & call you back from work or home a direct line. I need to include XXXX XXXX for calling the fire XXXX when the XXXX XXXX