23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

In XX/XX/XXXX, my husband and I closed on a house. Our mortgage company was Stockton Mortgage. As part of closing, they collected almost {$1600.00} for property taxes. We found out in early XX/XX/XXXX that the taxes had not been paid. We reached out to Stockton and spoke to multiple people. One customer service representative even informed us that it was not Stockton 's issue/problem. We finally spoke to an upper management person and sent her the statement from the sheriff 's dept. Then on XX/XX/XXXX we received a letter from the county attorney that the taxes had not been paid and were now delinquent. That Friday I reached out to Stockton and emailed the bills to them. I called back the following the Monday and was told they would review them and pay within 10 business days. The letter from the country attorney requested all taxes be paid by XX/XX/XXXX. I was transferred to a supervisor and then spoke to other higher management persons. A resolution specialist was assigned to our case. Since then I have not heard from the specialist. I have reached out multiple times through email and have never gotten a phone call or a return email, neither has my husband. It seems that Stockton is not taking this issue seriously.
Product: Debt collection

I believe my information was leaked, and perhaps sold on the dark web. Someone has used my name, and social security number to take out a loan. It is said that I owed {$4400.00} as of XX/XX/year>. I have never heard of XXXX XXXX XXXX XXXX. I believe Im a victim of fraud here, never in my life have I ever taken out a loan.
Product: Checking or savings account

I recently attempted to pull money from my Truist personal checking account to an external ( other bank ) checking account. After 5 days I was notified by the external account that Truist informed them that the account was closed ( screenshot attached ). I called the Truist line and a customer service rep ( XXXX XXXX XXXX thoroughly investigated my account to mention that it was frozen and could only be reactivated by other pushing money into the account or through physically going to a Truist branch ( limited in number ). 

I confirmed with the CS XXXX  that Truist made no effort to notify me of said account inactivity or provide me a chance to prevent the account from being frozen. All other banking instutions that I've worked with have provided a heads up on dormancy and it's deceptive that Truist can choose when to declare an account dormant without providing any information to the customer. For the record, the last transaction with the account was dated XXXX months prior.
Product: Debt collection

I 've reached out to Aargon Agency inc to validate a debt they claim i owe. I sent a letter via certified mail twice. Once in XX/XX/XXXX and again in XX/XX/XXXX. As of today they 've failed to validate this debt and it is hurting my credit report. The amount is reporting for XXXX The original creditor is XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ). 
After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize : 1.XXXX XXXX XXXX - XX/XX/XXXX 2. XXXX XXXX XXXX - XX/XX/XXXX 3. XXXX XXXX - XX/XX/XXXX 4. XXXX XXXX XXXX XXXX - XX/XX/XXXX 5. XXXX XXXX XXXX - XX/XX/XXXX 6. XXXX XXXX XXXX - XX/XX/XXXX 7. XXXX XXXX - XX/XX/XXXX 8. XXXX XXXX - XX/XX/XXXX 9. XXXX XXXX - XX/XX/XXXX 10. XXXX XXXX - XX/XX/XXXX 11. XXXX XXXX - XX/XX/XXXX 12. XXXX XXXX - XX/XX/XXXX 13. XXXX XXXX XXXX - XX/XX/XXXX 14. XXXX XXXX XXXX - XX/XX/XXXX 15. XXXX XXXX  - XX/XX/XXXX Section 611 ( 15 U.S.C. 1681i ) states that I have the right to dispute any inaccurate or incomplete information on my credit report. I request that you investigate these unauthorized inquiries and remove them from my credit report.

Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the inquiries made. After reviewing this information, I firmly believe that the inquiries listed above should not be on my report. 
Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. I did not give my consent for these inquiries to be made, and I can not find a permissible purpose under this section that justifies their presence on my report.
Product: Credit reporting or other personal consumer reports

there are inquires on my credit report that i dont recognize and did not authorize because there is no request or signed authorization for the inquiries to have taken place. i have asked experian, equifax, and transunion to remove these inquiries numerous times with no response or no luck. they also dont update information and stay current with each other. 

inquires not authorized : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Dear CFPB, I am writing to formally dispute an inaccurate account being reported on my credit file by Equifax. Specifically, Equifax is reporting a XXXX XXXX XXXX XXXX account under my name that I have no knowledge of and has never belonged to me.

I believe this issue may be linked to the Equifax data breach, as I have no association with this account and suspect it is a case of identity theft or erroneous reporting. I kindly request that this account be blocked and permanently removed from my credit report to prevent any further damage to my credit profile.
Product: Money transfer, virtual currency, or money service

My Wise account has been blocked for several months and I've had to make several complaints to get the money back. 
On XXXX XXXX, I received confirmation from Wise that it had refunded the money to the account I had used to transfer the money to me. The transfer number is : # XXXX, my membership number is XXXX and the total refunded is XXXX. 
However, the transfer was made to a bank account that I closed before having all these problems. I therefore assume that the money has been returned to Wise. 
I've contacted them to find out whether the money has been returned to them and to give them another bank account so that they can make the transfer again, but I've had no reply from them. 
I really need to get this money back or I'll have to close my business permanently.
Product: Debt collection

XXXX from Contract Resolve Group LLC has phone repeatedly for the last few months over a debt to XXXX - a debt I do not have any record of owing. I informed him that I would be happy to speak to XXXX about the issue, but would not be giving him bank and credit card information. I attempted to mail a certified letter to XXXX alongside a check for the amount owed and it was returned to me for refusal to sign. 
He has now decided to call multiple times per day, using threatening language alongside threatening messages. Better yet, he has now begun texting my family members and providing them private information. As I have been informed by my attorney, whether a debt is owed or not, they are legally not allowed to inform anyone of debts owed alongside any information regarding the matter. XXXX and his company have been at this for months now and my next step will be legal action against them for harassment and violation of the FDCPA
Product: Debt collection

My service was XXXX to XXXX atXXXX XXXX XXXX and now they have sent my account which shows {$440.00} and now it's to collection agency 'Merchants And Professional Collection Bureau , IncXXXX XXXX for {$440.00}, my date of service was XXXX XXXX and i had XXXX XXXX XXXX XXXX XXXX XXXX XXXX health insurance and i had about {$50.00} deductible and total out of pocket cost was about {$820.00}. but i had copay very low. It has happened to me before that if hospital or clinic don't file claim on time frame according to insurance company guideline then they wouldn't get paid so i would like to get all information starting date of service to when they filed claim to my insurance and again i had about {$50.00} To {$75.00} copay. To me it's look like because of their billing department mistake, so then they go after patients to cover up their cost. They should Audit the billing department
Product: Credit reporting or other personal consumer reports

There are several accounts inaccurately reporting on my credit report. I have no idea where these account come from. I am tired of disputing accounts that do not belong to me. Not to mention, the creditors that are reporting this information are refusing to investigate the matter. This has to be illegal for them to do this. Please assist me in getting this matter resolved and removed from my credit file. 

The following accounts are not mine : XXXX XXXX XXXX showing on my Experian XXXX  XXXX showing on my XXXX and Experian XXXX  showing on my Experian
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is violating my rights under FCRA 15 U.S.C 1681s-2 ( a ) ( 1 ) ( 4 ) ( 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing multiple negative and possible erroneous accounts with Equifax and sent them multiple letters for validation. 1st letter sent XX/XX/18 with no response. A second letter requesting validation of these accounts on XX/XX/18 with no response and finally a final letter for no response along with a request for inquiry verification was sent to Equifax on XX/XX/18. Finally on XX/XX/18 I received a letter in response to the inquiries, but even still without sufficient validation. However still no response to the validation/verification of the accounts in question.
Product: Debt collection

Filed 3 separate XXXX XXXX disputes in which nothing happen. The remarks that were left were dispute solved, customer disagrees and nothing happens. A few days after the disputes I get hit with derogatory remarks. I have mailed this company information in which I was trying to validate this debt and their response was they needed more of my information to validate, which to me seemed unprofessional and sketchy. The information that was given was that of an apartment contract that had multiple pages, at least 15 pages at the minimum. I only received 3 pages in which they are trying to make their claim and the pages that were sent, still dont show I owe nor did I sign in any contract to be charged once I moved out of the property. There also wasnt a charge for leaving it me leaving anything inside the apartment on the original contract ( lease ). Below you will see that the lease was fulfilled. I was being charged for items on a list that wasnt on the contract that I signed for in the lease.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I contacted Experian about the following negative accounts XXXX XXXX ( XXXX. XXXX, XXXX, Balance {$14000.00} ), XXXX XXXX XXXX XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$10000.00} ), XXXX XXXX XXXX ( Date Opened XXXX, XXXX, Balance : {$22000.00} ), XXXX  XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$1200.00} ), XXXX XXXX ( Date Opened : XXXX, XXXX, Balance : {$600.00} ), XXXX XXXX XXXX ( Date Opened : XXXX. XXXX, XXXX : {$1000.00} ). XXXX XXXX XXXX  ( Date Opened : XXXX XXXX, XXXX, Balance : {$1500.00} ). Its been over 45 days and Experian havent respond to my request as they are required to by the Federal Credit Reporting Act.
Product: Mortgage

My property 's mortgage was transferred from XXXX XXXX to Freedom Mortgage in XXXX. The principal account balance transferred to Freedom Mortgage is incorrect. My final XXXX as of XX/XX/2023 was {$700000.00}. The balance that Freedom Mortgage has for my account is {$700000.00}. I believe a combination of issues is occurring that is affecting the incorrect balance that Freedom Mortgage has. The first is that there is an incorrect date transfer of payment funds in Freedom Mortgages account from XXXX. XXXX. Freedom mortgage has the wrong payment dates from XXXX resulting in incorrect interest being applied to the loan balance. The 2nd issue is that it looks like the additional loan payment I made to XXXX was not applied to the loan balance when it was sent over to Freedom Mortgage. I have been unable to resolve this issue via phone with both companies and both have received a letter as well in which I have not received a response. 

I suspect that XXXX is keeping my extra principal payment and not transferring it over to Freedom Mortgage. XXXX  documentation proves that they received the transferred and applied it to my mortgage balance, but then transferred a higher balance over to Freedom.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, The incorrect items listed below appear on my credit report. I would like these ENCLOSED items immediately re-investigated and for good cause. These inaccuracies are highly injurious to my credit rating.

Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, I demand that you provide actual proof the information was verified, not a computer generated confirmation
Product: Mortgage

A small mortgage company offered a {$23000.00} HELOC on my home in XXXX. I signed documents for {$23000.00}, but only {$7000.00} was received. After making approximately 3-4 payments, the mortgage company literally disappeared and stopped sending me statements. Now, fast forwarding to XXXX, I find out that the loan was actually transferred or " sold '' about 5 times since XXXX and the new investor is foreclosing on my home with a new balance of {$220000.00}! 

I've consulted with a Real Estate Broker who says he's never seen anything like this. 
The investment company is impossible to contact and does not return any of my phone calls. This is utterly devastating. How can lien holder do this?
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The XXXX credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. The following accounts and credit inquiry listed on my Trans Union, XXXX   and XXXX  credit report is fraudulent, unauthorized and not my accounts or credit inquiry : XXXX XXXX XXXX XXXX # : XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX credit inquiry : XX/XX/XXXX. I have never lived at the following address : XXXX XXXX XXXX XXXX, XXXX XXXX, ND XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

USAA has filed a delinquent account in my credit report that im unfamiliar with. Ive requested written documentation that provides proof the delinquency belongs to me. The total amount due is {$4100.00} from a credit card account. It states the account was a charge off from USAA Savings Bank, XXXX XXXX   XXXX XXXX, XXXX XXXX, TX XXXX USA. I've written multiple certified letters requesting info pertaining to why this is on my report and ti remove/ delete the urn if they can't provide proof I am the one who opened the account, but I've received no response on the matter. Please assist in the matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not consent to, authorize nor benefit from the following inquiries : XXXX. XXXX XX/XX/2021 XXXX. XXXX XXXXXXXX XX/XX/2021 XXXX. XXXX XXXXXXXX XX/XX/2021 XXXX. XXXX XX/XX/2021 XXXX. XXXX XX/XX/2021
Product: Debt collection

XXXX XXXX sold a remaining balance to a collections company for months after they had already cancelled my policy
Product: Credit card or prepaid card

On XX/XX/2023 someone stole my Bank of America credit card and made a fraudulent purchase of {$860.00} with XXXX which is a vendor I have never used. I called the Bank of America on XX/XX/2023 and reported that my card was stolen and Bank of America told they would remove this fraudulent charge. Later on XX/XX/2023 Bank of America added this fraudulent charge back onto my credit card account. I called Bank of America on XX/XX/XXXX and asked them why they had added this fraudulent charge and they told me I had to pay for this even though my card was stolen. I would like Bank of America to re-remove this {$860.00} charge from my account.
Product: Credit card

I opened an American Express Business credit card account as a member of an LLC ( XXXX ). I was told they needed my social security number due to the Patriot Act. The XXXX became insolvent, and American Express called me saying it was a debt I personally owed. After no less than 10 conversations asking them for documentation to support this when I told them I did n't sign for that, they continued to say they would " send what they have '' but instead sent me to collections. They continued to mislead me with their intentions until I was contacted by a collection law firm. I had to hire an attorney, pay court costs, even pay to fly to a court hearing since I no longer lived in the state the account was opened in. My credit was damaged, getting me denied for home rental for my family. The judge agreed with me as they had no documentation, and finally about 18 months later my attorney and the law firm representing American Express agreed on a dismissal with no further ability to attempt to collect. I sent all credit bureaus a copy of the order signed by the judge, and XXXX and XXXX removed the account from my personal credit report. XXXX, is still being told that " it 's my debt '' by American Express even though it 's dismissed, I was found not responsible, and I never signed anything saying it was my responsibility. It is still damaging my credit.
Product: Payday loan, title loan, or personal loan

On XX/XX/2019 TWO Service Finance Payments were taken out of my XXXX XXXX Checking account ; only one was authorized. Due to their double billing, I was charged {$74.00} by the Bank for an overdraft charge which Service Finance has been unwilling to pay. I called immediately after seeing the double charge and was told by a Service Finance representative that I would receive a REFUND check in the amount of {$230.00}. When I called the following Friday to check the status of sending the check, I was told by the representative that management had changed their mind and decided not to send me a refund check. I had them on speaker phone and had a witness when they said management admitted it was their fault but would not be sending a check. I later heard from a XXXX XXXX that the representative misspoke and said I only have 2 choices and that is to apply it to the principal or they would hold it as a courtesy ( some courtesy I told them for creating multiple problems and giving false promises out which are ORAL Contracts and VALID in the state of North Carolina. ) I told them to HOLD the money and apply next month but that did not release them from owing me {$74.00} for restitution. Several conversations went back and forth and then XXXX said it was a closed issue and he would not discuss it further. I have this in writing. Recently, XXXX asked for additional statements from the bank and overdraft letters as the audit department would not accept any of the screenshots I had produced. I gave them what they asked and he wrote back that he reviewed the documents but still held to the fact they were not going to pay out anything. He is attempting to blame me and said I entered the information of my routing number and checking account number within the 2 minutes apart of the transactions. I have been in XXXX XXXX for 35+ years and know that some incidents are not widespread and can be singled out to a particular account. I feel he is being discriminatory toward senior citizens and attempting to make me say something that is not true. I did not enter the transaction to be paid twice. The VP that gets involved will not even reveal his name or position.
Product: Credit reporting, credit repair services, or other personal consumer reports

Noticed some accounts opened on my report I never was aware of or gave my consent to open. 
I just fully got to see the whole run down on my credit report and I notice the problem and made a FTC report. 

I contacted the creditors multiple times! but they provided me no feedback to this inaccurate information on my report I asked that it be removed off. As it is against my rights to the fcraa. 

Dept of Ed XXXX reporting 4 times Us Doe XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiries i do not notice XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX  XX/XX/XXXX
Product: Debt collection

Harvard Collections Services has called me twice with my last 4 of SSN, name, and addresses telling me I owe them money for XXXX County, CA and a few weeks later State of Illinois. They also said they " never call on behalf of other counties, let alone in the XXXX of California '' despite calling me about XXXX County a few weeks prior. They provided me a fake number with Illinois Department of Revenue to " verify '' this outstanding debt. I verified with the state and I owe them XXXX dollars. Clearly a scam/abusive and I am troubled because they are a contracted agency with the Illinois Dept. of Revenue. This is scary and abusive.
Product: Debt collection

Company : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX " If a consumer notifies a debt collector that the consumer refuses to pay a debt. The debt collector must cease all communication. '' This debt doesn't belong to me
Product: Student loan

The Fedloan Servicing ( U.S. Department of Education ) is providing consumer misinformation which warrants investigation. I have called this department almost every week to attain information regarding the status of my Income Driven Repayment Plan. On the last week of XXXX, I spoke with XXXX ( XXXX ) who indicated that I had the option of not paying the XX/XX/2019 amount of {$540.00} because my forbearance ( {$5.00} ) had been approved and I should be receiving it soon. It was received on XX/XX/2019 stating the forbearance had been approve, but dated for XX/XX/2019 to XX/XX/2019. This forbearance was supposed to cover XX/XX/2019, but now I am getting different information. Today, XX/XX/2019, I was told that the {$540.00} was still due and that they ( XXXX and XXXX ) work Id numbers ( XXXX and XXXX ) respectively did not understand why XXXX would tell me that this payment wouldn't be due. If you listen to the recording, it would confirm and support everything I have stated. An investigation is urgently warranted. This could be impacting thousands of borrowers. I was disregarding and told they were sorry, but the payment still had to be paid. There is illegal activity and the consumer does not know if the information being received is accurate. The public service forgiveness representative indicated there was missing information when there was none. Another confirm that information stated missing was not missing such as the end date. I am still employed which is indicated. This is outrageous. I was not provided the information until much later and had to resubmit the form which is now requiring a longer processing time.