23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I want to complain about Lakeview Loan Servicing LLC, servicing by XXXX ( again ). I filed the complaint them in XXXX after they gave me an extremely hard time to customers in order to remove PMI and then solved the problem immediately. This time, again, they gave me an extremely hard time to remove the escrow account for another loan that I refinanced with them in XX/XX/XXXX. In XX/XX/XXXX, they rejected my escrow removal request using the reason as " The investor requires that you maintain an escrow account on your loan that was closed under a Texas Equity Section 50 ( a ) ( 6 ) Mortgage program. '' I did not really understand what it meant and just let it go. Recently I wanted to remove the escrow again because I had been very troubled by these escrow accounts to automatically pay off my home insurance renewal while I had already chose to use a different insurance. I had to go back and forth to get refund from the old insurance company. So to avoid this pain in future, I decided to remove the escrow account again. I first tried to send the removal request online but their website showed the message saying my loan LTV was higher than 80 % so that they could not let me remove it. This is totally wrong because my LTV was only 75 % even when I did the refinance. Then I called XXXX. The staff first told me I should not be able to remove the escrow because the Lakeview requires 24 months ' payment instead of 12. Then she saw my denial letter from last year and then claimed I could NEVER remove the escrow account because my loan was a special type under a Texas Equity Section 50 ( a ) ( 6 ) Mortgage program. She claimed this was written in my signed documents when I started the loan. Given my previous experience on how they faked all kinds of excuses for not letting me remove the PMI, I guessed they were doing it again. So I asked the loan agent who did this refinance mortgage for me to check all of the signed documents for this loan. My agent confirmed that my signed document NEVER mentioned " Texas Equity Section 50 ( a ) ( 6 ) Mortgage program '' anywhere. Plus, there was no any sentence to say this loan had any special difference from regular conventional loan. There was no place to ever write that I could not remove the escrow account in any signed documents. I understand their motivation was to get my escrow money for free with XXXX interest to grow their own money. However, what they do to me is simply not ethical. Therefore, I have to seek help again here to let Lakeview remove the escrow accounts for me. Thank you very much!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. Several years ago someone broke into my office and stole several ID documents, including my social security card, driver 's license and passport. I filed a police report with the XXXX  Police Department. The XXXX   approved my report and gave me the official report number # REPORT NUMBER : XXXX  I have attached a copy of the report to this complaint.

Upon checking my credit I found an item from " Go Financial '' for an auto loan. Upon doing some digging I found that this loan was obtained online through the company " XXXX ''.

I have never done business with either Go Financial or XXXX.

Several bank accounts were opened in my name and used to pay for several fraudulent loans also taken out in my name. This loan was not authorized or used by me. I received no personal gain from this loan nor did I ever purchase a car from XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following companies ran unauthorized credit report on me.. I never authorized such inquiry..I have never given permission for them to inquire my credit status.. Please remove inquiries done by these companies XXXX/XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX
Product: Debt collection

I have made settlement arrangements and settled on these debts immediately, however, the debt collectors have refused to update the three major credit bureaus with the corrected amount being {$0.00} despite receiving the funds and notification of the debt being satisfied. I have settled a total of 8 debts as I have also supplied you with the initial settlement offer letter and settled debt letters from all companies but the company continues to persistently list my debt incorrectly. The following companies were paid ( XXXX XXXX  XXXX  {$3000.00}, XXXX XXXX - original debt {$1500.00}, settled for {$1200.00}, XXXX - paid to lawyers office XXXXXXXX XXXX XXXXXXXX with original debt being {$1400.00}, and settled for {$1200.00}, XXXXXXXX XXXX who had 3 accounts - two were with the legal team at XXXX XXXX XXXX ( original amounts {$1500.00} and {$1200.00} ) settled for {$2400.00}, and one with XXXX original amount {$440.00} and settled for {$350.00}, and the bureaus with XXXX XXXXXXXX XXXX XXXX original debt {$1100.00} settled for {$550.00}, and XXXX XXXX XXXX original debt {$480.00} settled for {$440.00}.
Product: Credit card or prepaid card

Received an email from XXXX for a card I didn't apply for and I'm already having issues with someone hacking my bank account and I need to fixed ASAP
Product: Credit reporting or other personal consumer reports

Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and Missouri Laws Dear CREDIT COLLECTION SERV I am writing to address blatant violation regarding the unauthorized reporting of information to my credit report, as confirmed by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), the Texas Finance Code under Sections 392.301 and 392.305, and identity fraud laws, specifically Texas Penal Code Section 32.51 . 
It has unequivocally come to my attention that CREDIT COLLECTION SERV has already engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, explicitly mandates that the consent of the consumer is a non-negotiable requirement for such reporting activities under Section 1681b ( a ) ( 2 ).

In addition to federal law, Texas state law, specifically Section 392.301 of the Texas Finance Code, emphasizes the necessity of consumer consent for credit reporting. Furthermore, Section 392.305 of the Texas Finance Code establishes clear guidelines for the fair reporting of consumer credit information. Simultaneously, identity fraud laws, such as Texas Penal Code Section 32.51, underscore the severity of unauthorized access and misuse of personal information. 
I assert with unwavering certainty that I have not provided consent for CREDIT COLLECTION SERV to report any information to my credit report. This undeniable lack of explicit permission constitutes a blatant violation of my rights, resulting in potential damage to my creditworthiness and an unequivocal disregard for federal and state laws. 
I demand, with the utmost certainty, that CREDIT COLLECTION SERV immediately ceases any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and Sections 392.301 and 392.305 of the Texas Finance Code. Failure to comply within the stipulated 30-day timeframe will be viewed as willful noncompliance, subject to penalties under applicable laws, including identity fraud laws. 
I emphasize that obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA, Texas state law, and identity fraud laws. This is not a negotiation ; it is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting. 
I anticipate your immediate attention to this matter and expect that CREDIT COLLECTION SERV will promptly rectify these egregious violations, respecting my rights under federal and state laws. 

Doneingoodfaith.
Product: Mortgage

Since XXXX I have made more than the payment amount, but it has not been added to the outstanding principal as requested. Instead the mortgage companies push back the payment date which allows the outstanding balance to accrue interest. Which keeps my balance high.
Product: Checking or savings account

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

" CHIME '' ( mobile bank ) needs to refund me money that was stolen from my bank account. Theft occurred on XXXX XXXX XXXX XXXX XXXX 

" Chime '' contacted me via phone stating that they did not find any errors with the transaction. It was then that I requested a full detailed investigation report on how the investigation was conducted to determine that there were no errors found with the unauthorized transactions.
Product: Mortgage

Ocwen Mortgage Co. states they NEVER RECEIVED XXXX ,2014 from me. I send in documentation Showing XXXX,2014 Mtg paid through my Bill Pay account. See attach. 
XXXX,2014 Mtg paid Ocwen ACH Account ( XXXX 2014 ) XXXX payment came through, the XXXX payment was paid ( over-draft Protection ) the next XXXX ( XXXX ) were returned INSUFFICIENT FUNDS. Please see letter from the Bank Manager. XXXX,2014 was told to submit proof of all payments to XXXX XXXX. I submitted everthing. I asked Ocwen rep. to waiver fee and I told they could not do that. So XXXX2014 I sent my mortgage in ( XXXX ) with the fees {$40.00} XXXX for NSF {$40.00} for stop payment and {$34.00} on the principal. XXXX XXXX dated XXXX/XXXX/14 States XXXX delinquent, XXXX current, XXXX, delinquent XXXX is Current HOW?? I am currently in Chapter XXXX Bankruptcy.I am also in Ocwen modification, IT YOU PAY XXXX YEARS ON TIME THEY TAKE {$6200.00} OFF OF THE PRINCIPAL. THEY DID NOT GIVE IT TO ME FOR 2014. PLEASE SEE ALL OF MY DOCUMENTATION SHOWING I HAVE NEVER BEING LATE.
Product: Credit reporting or other personal consumer reports

XXXX Report # XXXX XX/XX/year> page XXXX of XXXX Has XXXX as a hard Inquires in which i never heard of XXXX nor applied for any credit under XXXX showing on my credit file. 

I want documents of signature what was the loan application who how it was sign docusign or how ever the information was gathered. 

I want XXXX to provide proof as a hard INQUIRE to XXXX placed on my credit file XXXX XXXX Unspecified by XXXX to the reason on my credit file
Product: Credit reporting or other personal consumer reports

I have recently viewed a copy of my credit report and was traumatized when I seen a fraudulent account showing up on my report. I believe I have been a victim of Identify theft. I did not authorize this account nor do i recognize it. I kindly ask that you remove this account please, and thank your for your assistant.
Product: Mortgage

My mortgage company, since the time of my closing in XX/XX/XXXX, has been charging me monthly in tax escrow what I should be paying quarterly. I.E. my newest bill shows I owe {$580.00} as part of my MONTHLY payment. My tax payments are actually {$580.00} owed EVERY THREE MONTHS. 

The condo I bought is in a new development of four units, and the parcel does not officially split into 4 parcels until XX/XX/XXXX. This is why the City tax collector sent us a letter stating what each unit individually owes since we only have one tax ID. 


I have been in contact with them multiple times since XX/XX/XXXX ( 10 to be exact ), when I first received a letter from my city 's tax assessor. Still nothing has been done to rectify the situation. They did do an escrow analysis after my 9th call and multiple previous requests that allegedly got lost in their system. My payments went up, based on the tax increase ( my city tax payment per the city 's assessor, increased from {$430.00} to {$530.00} ), but they have failed to correct my monthly payments. Currently I am paying {$6400.00} per year when I should only be paying {$2100.00} annually.
Product: Credit reporting or other personal consumer reports

dear cfpb i am writing to formally submit a complaint regarding the reporting practices of CarMax auto finance in relation to my auto loan account. i believe their actions XXXX be in violation of federal regulations governing credit reporting and debt cancellation, specifically Carmax wrote off my vehicle loan account as a charge off yet they continue to report CO activity to my credit file. Additionally despite the debt being deemed uncollectable and presumably forgiven, i have not received a 1099-c form which is required by the IRS regulations XXXX debt cancellations exceed {$600.00}. The lack of 1099-c form creates confussion and prevents me from accurately filing my taxes furthermore, the ongoing reporting of CO on my credit report is damaging to my financial standing and appeaes inconsistent with the XXXX and accurate credit reporting practices i sent out a letter to carmax to recieve my 1099-c form XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting AcXXXX XXXX XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681e Section ( b ). States whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors. 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. ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( ii ) the information is, in fact, inaccurate. As defined by the IRS even if you didnt receive a Form 1099-C you must report canceled debt as gross income on your tax return. The IRS clearly defines a charge off as gross or ordinary income. INCOME does not get reported on the consumer report which means charge off is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was notified via XXXX that I had a 30-day late on my Navy Federal Credit Card. 

I was surprised as it has always been on autopay. I had {$1500.00} in the account to easily cover the {$20.00} payment. 

I was never notified by NFCU that I was delinquent I never agreed to remove auto payments I had plenty of money in my account to cover the payment of {$20.00} NFCU will not provide any help whatsoever. 

There has been several violations and a lack of documentation on their behalf.
Product: Debt collection

I was able to take a look at my consumer report. I have found that Carmax Auto Finance are using abusive, deceptive and unfair debt collection practices to collect on the alleged debt in reference. I am a natural person, a federally protected consumer, and the original creditor defined under 15 USC 1602 ( g ). I extended credit to Carmax Auto Finance to obtain a vehicle. The vehicle which is subject to the transaction was used primarily for personal, family and household purposes. All extensions of credit are deferred under code 18 USC 891 ( 1 ). Carmax Auto Finance is engaged in extortion and racketeering activity by attempting to collect this debt under Title 18 Chapter 42. Failure to make the repayment of this alleged debt has resulted in the use of criminal means by causing harm to my reputation. My consumer report does not include a report containing information solely as to transactions or experiences, furnishing late payments are a violation of 15 USC 1681a ( d ) ( 2 ) ( i ). I never received adequate notice that sets for the pertinent facts for this consumer credit transaction which violates 15 USC 1602 ( k ). Carmax Auto Finance has benefited from my uninformed use of credit. The only decision I was given after the consummation of the transaction was to make payments without penalty which is a violation of 18 USC 880. I, the consumer, have never been given the opportunity to direct that my nonpublic personal information should not be disclosed to nonaffiliated third parties such as XXXX, XXXX and XXXX pursuant to 15 USC 6802 ( b ) ( 1 ) ( B ). Nor was I given an explanation on how to exercise the nondisclosure option which is a violation of 15 USC 6802 ( b ) ( 1 ) ( C ). Their conspiracy against my rights is affecting my ability to operate in commerce. This is a violation of 15 U.S. Code 1. I am requesting documentary evidence specifically the book of account under 15 USC 44 to validate this alleged debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was offered mortgage loan forebearance so did not pay my XXXX and XX/XX/2020 payments, however in XXXX I paid for 3 months and have been current since. 
In fact I have never missed a mortgage payment in the past with any lender. 

I then applied with another mortgage company to refinance my loan to improve my rate and terms and when credit was pulled it showed late payments for XXXX and XXXX. 
This incorrect information has put my refi on hold, cost me appraisal extension fees, etc, and now I may lose my rate lock soon. 

I have made many calls in the last 2 months to XXXX bank and while they agreed those payments should not have been shown as late, they have not updated their information so the credit scores are still depressed. 

They make lots of excuses and this is costing me time and money now for their admitted mistake.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Inquiries : XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX Incorrect Address
Product: Credit reporting, credit repair services, or other personal consumer reports

I have hard credit inquiries that I reported to the credit bureau XXXX phone number XXXX I told them it was fraud and they can not remove it unless I have a report the the inquiries that are fraudulent and this report is XXXX XXXX XX/XX/XXXX the next one is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX the inquiry happen on XXXX again XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Tn XXXX The inquiry was on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX address XXXX XXXX XXXX XXXX, XXXX, FL XXXX and the date is XX/XX/XXXX The next report is XXXX The inquiry is XXXX XXXX XXXX and it was its XXXX XXXX XXXX, XXXX, TX XXXX their phone number is XXXX and this inquiry happen on XX/XX/XXXX The next inquiry is XXXX the address XXXX XXXX XXXX XXXX XXXX New York XXXX XXXX and the phone number is XXXX and this inquiry was on XX/XX/XXXX The next inquiry is Pentagon Federal credit Union address XXXX XXXX XXXX XXXX XXXX VA XXXX telephone number XXXX the inquiry was XX/XX/XXXX The next inquiry is XXXX Call the address is XXXX XXXX XXXX, XXXX DE XXXX the phone number XXXX XXXX and the inquiry was XX/XX/XXXX The nest inquiry is XXXX XXXX XXXX XXXX XXXX probably means Florida address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX phone number available inquiry XX/XX/XXXX Next inquiry is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX no phone number available inquiry happen on XX/XX/XXXX And XXXX XXXX credit report the following inquiries are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OR XXXX phone number XXXX the inquiry happened on XXXX/XXXX/XXXX The next inquiry is XXXX XXXX XXXX XXXX XXXX XXXX OR XXXX phone number XXXX inquiry was on XX/XX/XXXX The next inquiry is credit XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX phone number XXXX the inquiry was on XX/XX/XXXX The next inquiry is XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX New York XXXX phone number XXXX Inquiry was on XX/XX/XXXX The next inquiry is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Texas XXXX phone number XXXX inquiry was on XX/XX/XXXX The next inquiry is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX phone number XXXX inquiry have XX/XX/XXXX The last inquiry is XXXX XXXX XXXX XXXX via XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX phone number XXXX and this happened on XXXX XXXX If you have any questions my name is XXXX XXXX and my phone number is XXXX My email address is XXXX My address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX Please send me a copy of the report
Product: Debt collection

I'm aware that I owe XXXX to synchrony bank. I contacted them on XX/XX/21 they say sold my account to XXXX XXXX turn out to be a law office that never heard of synchrony bank. I have no person or company to respond to. Synchrony Bank, XXXX XXXX XXXX, XXXX Florida XXXX
Product: Credit reporting or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX  XXXX XXXX  XXXX XXXX XXXX
Product: Checking or savings account

They changed me a tremendous amount of overdraft fees and then closed my account without reason
Product: Credit reporting, credit repair services, or other personal consumer reports

m not liable with XXXX XXXX. i do not have contact with LVNV FUNDING LLC XXXX. they did not provide me with the original contract as i requested. 



correction to me my credit report i demand this account be remove from my credit report
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I am a victim of a data breach. As a result of this breach, fraudulent accounts and inquiries have appeared on my credit report. Pursuant to 15 USC 1681c 2 ( a ) and FCRA 605 ( b ), I am requesting the blocking and deletion of the following fraudulent account and inquiries from my credit file. These entries were caused by unauthorized access to my personal information. 
Account to be Blocked and Deleted XXXX. XXXX Account # XXXX Reported : XX/XX/XXXX Amount : {$3500.00} Inquiries to be Blocked and Deleted XXXX. XXXX OF XXXX XX/XX/XXXX XXXX. XXXX XXXX AUTO FIN XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX