23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of items which do not belong to me or were opened without my permission : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$1700.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX XXXX XXXX Balance Owed XXXX {$0.00} XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$9900.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX Bankruptcy Reference # : XXXX XXXX XX/XX/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 XX/XX/XXXX. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Mortgage

XXXX of XXXX I closed on a refinance loan with homebridge financial and XXXX title company. On XX/XX/XXXX I noticed a change in my Homebridge financial monthly mortgage payment amount. I contacted the mortgage company and I was told at that time the reason for the increase was due to an increase in property tax and homeowner insurance. I received a statement in the mail from XXXX county that shows my property taxes are XXXX. They were indicating a shortage of my escrow by over XXXX that would have to be paid over a 12 month period. I received no prior communication of the shortage. XX/XX/XXXX I contacted Homebridge financial and spoke with another representative XXXX that explained to me that the analysis was done incorrectly they overpaid my property taxes for the previous year. They paid XXXX county a total of XXXX for XXXX. I was told That a high priority ticket would be submitted and my account should be adjusted in a couple of days back to my original amount of XXXX. On XX/XX/XXXX I called again to homebridge to follow up with the ticket because my account was still Showing the shortage calculation. I spoke with another representative that is now telling me that My title company XXXX title Created the error when my escrow was created. They are claiming that my escrow wasnt enough to over taxes and insurance and they have been paying the taxes to keep the account current. Again no communication was given to me with this occurring until the change was paid for this mortgage payment XXXX. They are not addressing the fact that they didnt pay my property taxes on XXXX of XXXX and they sent two payments in XXXX Causing my escrow to be short.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX  was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on XXXX This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made the company and is not a reflection of my payment experience which violates XXXX XXXX XXXX. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in months that are reported late to be removed. 

They are not in compliance with the following law. XXXX XXXX XXXX and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section XXXX ( b ) of this title is mailed or delivered to the consumer not later than XXXX days before the payment due date. 


XXXXXXXX XXXX Never Sent the periodic statement along with the disclosures from section XXXX ( b ). 


I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Mortgage

The original mortgage was with Bank of America. The mortgage was sold to a XXXX XXXX XXXX XXXX. In XXXX I had a XXXX XXXX bankruptcy and had several incidents with this mortgage company. The bankruptcy was completed and discharged in XXXX. After discharge and in XXXX, XXXX XXXX increased my mortgage payments and when I inquired as to why, I was given an answer that the monies was for a motion that was filed by an attorney during bankruptcy and other fees. I told them they could not charge for items that were taken care of in bankruptcy after a discharge ; however, they refused to rectify the problem. 

I have requested each and every month that the company send me a monthly statement of which they have not done. Each month, I create my own mortgage statement with a copy of the check attached. Each year they state that my escrow is short monies and I have paid each shortgage in one lump sum. This year my home owners insurance decreased ; however, they maintain that the payment does not change. I do not receive any correspondences from them with regard to any payments or deficiences with the exception of the end of the year statement. 

These people have their own method of calculation of payments which are grossly incorrect and result in thousands of dollars being added to a mortgage that should not be charged. 

This company has been sued in the State of New York for deceptive practices.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I transferred {$3500.00} to my XXXX account from my Capital One account. The money is lost and no one can tell me where it is and Capital One will not trace it.
Product: Mortgage

After Hurricane XXXX, ( XX/XX/XXXX ), I received a call from a Dovenmuehle customer service rep who said as I was a valued customer, I did not have to pay XX/XX/XXXX, XX/XX/XXXX or XX/XX/XXXX mortgage - it would be tacked on to the end of my loan. I explained to the rep that the hurricane did minimal damage and I was ok to pay but she asked " Who wouldn't want XXXX months of free mortgage money '' " You could go crazy with your XXXX shopping '', " Everyone is doing it ''. I asked at least 4 times if she was absolutely SURE that come XX/XX/XXXX, I wouldn't be hit with 3 months back mortgage and she said " no, we are doing this to help out our customers..it 's being added to the end of the loan ''. In XX/XX/XXXX when I didn't pay, I received a letter saying i owed XX/XX/XXXX so I called and was told " Those are auto generated, you can throw them away ''. This happened for XX/XX/XXXX, XX/XX/XXXX. and XX/XX/XXXX. Sure enough..come XX/XX/XXXX, I was told foreclosure proceeding were going to be starting if I didn't pay {$2400.00}. I tried and tried to fight it but was told, " We would never say that it would be tacked on to the end of your loan '' ... but that is exactly what I was told. I ended up paying the past due to save my house. My credit is ruined, I had to pay late fees and they need to be held accountable. I'm sure I'm not the only one they said this to. It's ethically wrong.
Product: Checking or savings account

Dear Ally XXXX Offices, CC : CPFB and XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX RE : incorrect bonus I spoke XXXX this evening when I saw the getpaid bonus. I was told I was only being paid {$54.00} because I closed the 11 month CD and opened more. 

The funds remained in my individual name which the new month total {$50000.00} was brought in and funded on XX/XX/XXXX CD xxx XXXX. 
I was told there would be no issue closing the CD and opening another one as long as the funds stayed with ALLY. I continued to ask these questions and was re-assured that the bonus would be paid in full 1 % x {$50000.00} = {$500.00}. I have been a customer for many years and I even spoke to a representative last week who said if there is an issue to call customer service. I explained to XXXX during the call tonight XX/XX/XXXX @ XXXX PST. She was not willing to assist, open a research ticket, and was rude by just reading your terms and conditions. The {$50000.00} was a new CD in my name XXXX XXXX, XXXX were closed and transfer performed by Ally who on the recorded calls stated it would not effect my bonus, the funds remained in there the entire time through the period XX/XX/XXXX and are still in there as of today. I am looking for someone to rectify this ASAP. 


Please research this and call me at XXXX.
Product: Credit card or prepaid card

I DI NOT COMPLY TO DISPUTE THIS POSITIVE ACCOUNT, PLEASE, I'M BEGGING YOU TO RE-INSERTED TO MY CREDIT REPORT.
Product: Debt collection

Kls Financial Services {$1800.00} XX/XX/2019. 

Before noticing this credit report I had been communicating with my XXXX. The person in charge of billing was XXXX who no longer works here. I was communicating with XXXX about my injury and what prevented me from paying as she stated they would work with me. XXXX who in charge also verified he saw the emails. I spoke with a XXXX from XXXX XXXX XXXX and he informed me that the letters that was sent to me was returned because they was unaware of the conversations. This amount should not be on my report because I was unaware of it going on my report. I never refused to pay and was told the office would work with me as they have before. Im asking for this to be removed. A balance is placed on credit reports when failed to pay or no communication but i communicated and was told that the office would work with me
Product: Credit reporting, credit repair services, or other personal consumer reports

i asked citibank if they could cut down on number of hard inquirys on credit report they told nothing they could do about it because it was factual when guy i called in XXXX just checked my credit without ne asking him to do so or him asking me
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report, I discovered several unauthorized XXXX inquiries that I do not recognize. I contacted the credit bureaus to dispute these hard inquiries and requested their removal. Unfortunately, the credit bureaus refused to remove them off my credit report. This issue is causing undue stress, and it's negatively negatively affecting my financial standing.
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NEEDS TO BE REMOVED IMMEDIATELY 15 U.S.C. 1681 section 602 A. States I have the right to privacy 15 U.S.C. 1681 section 604 A. Section2 : 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 items 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 consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is accurate.

These inaccuracies are hindering me from securing my dream home, applying for new personal and business credit and also requesting higher limits on the credit cards already in my posession.
Product: Checking or savings account

I opened a CitiBank Accelerate Savings account roughly around XX/XX/20 and deposited {$6000.00} USD to the account, I was living in MA at the time I opened this account. I later learned there was a {$20.00} a month fee associated with the account. I called, asked for the fee to be waived XXXX which it was XXXX, I then removed all my deposits and called customer support and asked to close the XXXX XXXX Account. The customer support representative informed me they terminated my XXXX XXXX account and I then deleted username and password. A few weeks later I was notified via text message that my Citi XXXX XXXX account had incurred a {$20.00} a month service fee and the account was now - {$20.00} balance. I called CitiBank and they apologized and confirmed they waived the fee and closed the account. The same issue then continuously occurred escalating to now a - {$120.00} balance. I've called multiple times and they have apologized and confirmed the account is closed though they can not provide any written proof and the issue just continues on. Citibank is unable to verify me on phone and all physical locations are closed due to XXXX, they ignored my mail I wrote with a copy of my passport. CitiBank says I need to know the XXXX digit string of numbers which is my account number even if I provide XXXX, Passport and other security questions. Debt XXXX are now calling threatening to pay bill or debt will be sold to XXXX party. I have money, want to fix the issue though am locked out of my account. The problem is with CitiBank, not me. Account is still active and incurring fees even without any balance and I have no ability to terminate account. 

I have XXXX video of myself on phone with Citibank customer support XXXX ( I informed him I was recording ) outlining all these issues which I can not upload as file is too large.
Product: Credit card

I opened a XXXX 's retail credit account in XX/XX/XXXX, ending # XXXX through Synchrony bank. Interest was ridiculously high. This account was later closed by the merchant unexpectedly sometime around XX/XX/XXXX or XX/XX/XXXX. I continued to pay account down but then I noticed that bank continued to charge interest and fees on this closed account. I called them yet still it continued so i filed a couple disputes through credit agencies. Then finally it was updated to reflect charged-off in XX/XX/XXXX for an amount reflecting higher than what was owed. It is only fair i pay my debt and only my debt at time of card closure ( XXXX minus last {$200.00} payment = {$750.00} ) and have this account/tradeline removed from my credit agencies for misleading and predatory practices.I am sure Synchrony has been getting away with this for a long time. They approve new accounts with high interests, then they blindside consumer by closing it, but yet continue to charge interest and fees which then only sets off hardship for consumers.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I was contacted by XXXX that I had an individual mortgage with a past due amount. 
I disputed it knowing XXXX could not have documentation given that Ive ever owned that property. Even without documentation Experian still backed XXXX claim against me. Previous to this my credit score through Experian was XXXX, and after dropped to the 500s. XXXX never asked me for any money, instead they harassed me and ruined my credit. 
The documents that they had was a note I co-signed on XX/XX/XXXX. For the amount of {$97000.00}, with payments of {$1200.00}, at an interest rate of 13.03 % for the term of 179 months which ended XX/XX/XXXX. 
There is a new contract under just XXXX XXXX, who is the only signer, I am no longer a co-signer, my name was completely removed on XX/XX/XXXX. I was never notified of the new contract until XXXX. 
On XX/XX/XXXX the sole signer ( not me ) took out a XXXX mortgage in the amount of {$4300.00} making the total loan amount {$92000.00}. Both the payment and interest rate changed and the duration of the new loan note went to 27 years. This was not a modification but a whole new contract with just XXXX XXXX as the only signer. 
On XX/XX/XXXX XXXX transferred the loan to XXXX XXXX. I again disputed it but to no avail. I never received any documentation from XXXX XXXX regarding any loan. They did admit during a phone conversation that some of the documents they had were unsigned by me. 
On XX/XX/XXXX I got help from the XXXX XXXX XXXX XXXX XXXX Nevada who were finally able to obtain the documents XXXX XXXX had. In a correspondence with The XXXX XXXX XXXX they stated I had a sound legal basis for dispute. 
On XX/XX/XXXX The legal aid accomplished all they could for me given their resources and suggested I contact Consumer Financial Protection Bureau. 
This situation has affected my credit score and livelihood. I will be XXXX years old in XXXX, living on a set income from Social Security of {$1100.00} per month. As a result of my now lowered credit score I can not get approved for new low-income housing, which is needed because my rent has gone up. I was unable to get a good rate on my car loan, and even my car insurance has increased because of the low credit score. Most recently on XX/XX/XXXX I received an email that XXXX XXXX XXXX closed my credit card through them in which the account was at a XXXX balance and I'd never sent a late payment. 

I have almost 30 pages of documents to use to make my case. 

I have been fighting this for three years, and am hoping you are able to help. 
Thank you,
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello my name is XXXX XXXX, I have looked into my credit report and I have some concerning issues considering the information being reported in my credit report. I have looked into the Fair Credit Reporting Act and I have to question some of what it is I am seeing being reported in my name. How can child support be reporting on a credit report when its considered to be a Judgement from the courts.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  has been non-compliant with removing the unverified account XXXX XXXX XXXX XXXX Date opened XX/XX/2012 which has been deleted by XXXX  and XXXX. XXXX  and XXXX have both completed their research and determined that XXXX XXXX XXXX XXXX was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
Product: Money transfer, virtual currency, or money service

I've verified my information multiple times - but they are restricting my money and not letting me access my acount or funds. It has been ongoing for 3 weeks now. 

They also will not give me an explanation of why they have restricted my account.
Product: Mortgage

I was on a Corvid Forbearance and fell behind on my mortgage. Then Hurricane Ida hit on XX/XX/XXXX and my home was total while I was in the process of Corvid19 Forbearance. I was told I was {$24000.00} behind on mortgage payments and I applied for the federal government assistance for the the Corvid housing forbearance and was awarded {$25000.00}. U.S. Bank Home Mortgage received the money on XX/XX/XXXX and they sent me a statement prior stating my payments were {$870.00} but when they received the money from the government they charged {$1000.00}. When I looked on my online line portal there were several payments for {$1000.00}. I spoke to XXXX and she stated the {$1000.00} is supposed to start in XX/XX/XXXX. How can a company be so deceptive and still be in business. I asked them how much was the pay off on my home, they stated a little less than {$61000.00} before I was awarded the money from the government and XXXX XXXX. Once I got the money, I told them you have {$25000.00} from the government and {$32000.00} left over from XXXX XXXX XXXX from my home repairs for a total of {$57000.00} put that toward my mortgage, it never happened. Why they sent me and email stating my home owners insurance is {$4600.00} and my mortgage is {$1000.00}. I have never seen a mortgage company that doesn't want a homeowner to payoff mortgage. They have the money, I have told them on numerous occasions to applied the money to the home. My next step is to seek legal advice.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to fix my credit for quite a few months now. There has been some collections and other accounts placed on my credit due to someone else. I have filed a police report with my local police department and was advised to file a complaint here as well.