23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I recently received my latest Annual Escrow Statement account for XXXX. The statement shows a shortage of {$3600.00}. This shortage results in my mortgage payment increasing from {$1400.00} to {$1800.00}. This increases my monthly mortgage payment by {$490.00}. This increase will cause significant financial hardship for some time to come, for an error I did not commit. 

Since my refinancing in XXXX below are the Annual Escrow Statements by year and the shortage amount : XX/XX/XXXX {$760.00} XX/XX/XXXX {$51.00} XX/XX/XXXX {$360.00} XX/XX/XXXX {$810.00} XX/XX/XXXX {$1000.00} XX/XX/XXXX {$3600.00} Property and school tax increase are limited by law to 2 %. The Hazard insurance increased by 10 %. from XXXX to XXXX. The significant Escrow shortage is not due to my taxes or insurance increasing. 

Conducting a research of School tax Payment, the following faults are identified. The XXXX School tax payment for {$2000.00} was made on XX/XX/XXXX. The XXXX School tax should have been paid in XX/XX/XXXX. However, the XXXX School tax {$2100.00}, was paid late on XX/XX/XXXX. The XXXX School Tax payment was due in XX/XX/XXXX. The late XXXX Tax payment resulted in using misappropriated Escrow funds from the wrong year.

This late tax payment is the primary reason the Escrow shortage amount is so significant. 

Since the inception of this mortgage I have not missed any payments, nor have I been late. As a Federal Government employee, I have endured two federal government shutdowns where I was not paid. Yet, I met my financial requirements to US Bank. My credit score is above XXXX points and have worked diligently to maintain that score. 

As stipulated in section 3 of the mortgage document I request that I no longer be required to maintain an Escrow Account, and I pay all taxes to appropriate offices.
Product: Credit reporting, credit repair services, or other personal consumer reports

All these places show up on my XXXX XXXX I have hard inquires. I have never applied for any credit card or anything. I live in XXXX XXXX XXXX.I have never applied to none of these places. This made my credit score go down eight points. 

XXXX XXXX XXXX Inquiry from XX/XX/XXXX - Home Furnishings XXXX/XXXX Inquiry from XX/XX/XXXX - Bank XXXX Inquiry from XX/XX/XXXX + Utilities & Fuel XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX - National Credit Cards/Airlines XXXX Inquiry from XX/XX/XXXX + Telephone Companies XXXX XXXX Inquiry from XX/XX/XXXX + Telephone Companies Navy Fcu Inquiry from XX/XX/XXXX + -
Product: Credit card

There is a fraudulent charge on my credit card for {$170.00}. It is from a XXXX gas station in XXXX, XXXX XXXX I live in Wisconsin and have never been to XXXX XXXX my life. The charge is for diesel fuel which I would never use. My card was on file with XXXX XXXX XXXX for XXXX. Someone obviously got into their system and used my credit card information at their XXXX gas pump. They must have logged in with my phone number or email and accessed my account. My physical card is and has always been with me here in Wisconsin. I do not know anyone in Mississippi and did not authorize anyone to use my funds. XXXX XXXX is telling me that my dispute was denied because I authorized someone to use the card and that I benefited from purchases made. This is absolutely incorrect. My account had to have been hacked. It is obvious someone used my card on file and I did not authorize that. My purchase history with XXXX XXXX XXXX XXXX XXXX that I have only ever used my card there for groceries here in Wisconsin.
Product: Checking or savings account

I attempted to get some money from the ATM on XXXX. I attempted to take out {$500.00} and the ATM didnt release the money so I tried again to get {$300.00}. Again it didnt give me any money. I called the bank on Tuesday to get my money because I had rent to pay and I was told there was nothing they could do they would have to do a dispute and investigate.
Product: Mortgage

I have been paying on HELOC mortgage on time & verifying my payments using my USPS monthly statements. 

The mortgage servicer had been sending me monthly statements prior to this week. 

I tried setting up my account online this week & due my previous bankruptcy the servicer is refusing allow me online access ( they were included in the bankruptcy but I have equity in my home so I continue to pay them ). 

Now that they have my email address & I consented to electronic delivery they do not want to send me paper statements ( a feature that I had two days ago ). Now they are telling me that they do not send out paper statements. 

So now I have no access to my account online or by paper. 

Every time I try to speak with a supervisor they hang up on me. 

I need help getting this servicer to generate a monthly paper statement. I do not trust their customer service/tech support people & I feel they are just trying to avoid paying for postage. 

I have two new laptops & have reliable internet access so I know that's not my computer.
Product: Credit reporting, credit repair services, or other personal consumer reports

LexisNexis must submit disputes to the originating consumer reporting agency and forward the results received from the nationwide consumer reporting agencies to the consumer when the nationwide consumer reporting agencies complete their??? 

Could you provide me a description of your procedures as to how do you respond back to XXXX XXXX And or XXXX dispute process compliance under FCRA XXXX A ( XXXX ) it is my legal right and you must provide me of your company compliance and FCRA guidelines within 15 days please and I think you XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

filed ftc on these accounts XXXX XXXX XXXX XXXX XXXX not mine
Product: Credit reporting or other personal consumer reports

I hope this email finds you well. I am writing based on my previous communication regarding the removal of fraudulent items from my credit report. This marks the XXXX formal attempt to address this critical matter. Despite my initial request and subsequent efforts, the fraudulent transactions remain unresolved, causing significant distress and affecting my financial credibility. It is imperative that these unauthorized entries are promptly removed from my credit report to ensure its accuracy and integrity. I urge you to take immediate action to rectify this matter and provide me with confirmation once the fraudulent items have been successfully removed. Additionally, I request regular updates on the progress of the removal process to ensure timely resolution. With this, I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Capital Accounts claims that I owe a debt # XXXX for {$3000.00} from XX/XX/XXXX. They say they are from XXXX?? 

I explained to them that this debt is not mine. I also explain to them that I was XXXX in a XXXX XXXX in XXXX?? It would have been impossible for me to make these charges!! 

I never signed and document of agreed to any of the charges they claim. they are not my charges. I have been divorced since XXXX. I believe these bills were made by my ex-wife. I know nothing of these bills, nor was I ever called to authorize them or assume responsibility for them. 

I have asked Capital Accounts SEVERAL TIMES to remove this item from my credit report. I also asked them to provide me with PROOF of these charges and PROOF that they are mine. They have informed me that they have NO supporting documents to supply me!! 

This item # XXXX has to be removed immediately! It is over 11 years old! It is unlawful to makeup charges and attach them to someone credit report without any supporting documents or proof that the claim is valid. 

Please have them remove this item from my Credit Report with XXXX, XXXX and XXXX XXXX Immediately. Thank you I XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize the following inquiries listed on my credit reports. I wrote a dispute letter to the companies and the credit bureaus. 

XXXX XXXX XXXX XXXX inquiry XX/XX/18 XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX inquiry XX/XX/18 XXXX XXXX XXXX, XXXX XXXX, XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX inquiry XX/XX/18 XXXX XXXX XXXX, XXXX XXXX, XXXX, TX XXXX I received a response from XXXX XXXX XXXX XXXX indicating that the inquiries were made at the request of XXXX XXXX XXXX   and Rate Genius. So I contacted XXXX XXXX XXXX and Rate Genius who informed me that they can not assist me with deletion of the inquiries. I did not authorize credit inquiries one week apart.
Product: Credit reporting or other personal consumer reports

Hard pull on Experian XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX : XXXX XXXX XXXX Requested : XX/XX/year>
Product: Credit reporting or other personal consumer reports

recently i had looked at my credit report and noticed several innaccurate information is reported on my account.this acccount is hurting my ability to obtain credit.it is my understanding that you will investigate these items for me to ensure accuracy .here is the item .i an asking you to verify as accurate : XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report because I keep getting denied when I try to get a new car. I noticed an account for PROFESSIONAL DEBT in the amount of {$410.00} with theORIGINAL CREDITOR being XXXX XXXX XXXX 

I moved out of this apartment complex in good standing. I did not owe any balances, and received my full deposit back. 

I am unaware of where this debt originated from.
Product: Debt collection

On XX/XX/XXXX, I filed a dispute for the inaccuracy of this account and submitted it to XXXX and the company itself, but no one has responded. On XX/XX/XXXX, I filed a Validation of Debt to XXXX but still no response coming from them and refused to remove the inaccuracy from my credit report. The account was last updated in the sum of {$8800.00} on XX/XX/XXXX, which is incorrect.
Product: Credit card

XX/XX/year> XXXX XXXXXXXX : received email from USAA Federal Savings Bank, ( XXXX XXXX, Vice President, USAA Credit Card, USAA Federal Savings Bank ), concerning inactivity on my credit card account. To continue using the account, use the credit card. " If you want this account to remain open, please make a purchase before XX/XX/year>. '' XX/XX/year> XXXX XXXXXXXX : I attempted to purchase products on newegg.com and charge the credit card for the purchase, to 'make a purchase before XX/XX/year>. ' The purchase failed, due to payment declined by USAA Federal Savings Bank, Credit Card Services. 
XX/XX/year>XXXX XXXX XXXXXXXX : I called USAA Federal Savings Bank ( XXXX ) to attempt to resolve the issue. During the conversation with multiple bank representatives, I learned the bank ( USAA Federal Savings Bank ) had closed the credit card account in error ; other credit card accounts were also closed in error. I attempted to resolve the issue, reach a compromise, and have use of the credit card account ( now closed ) reopened and made available for use. I requested account reinstatement, due to the bank error.
Product: Credit reporting

the prior CFPB investigation XXXX had an unintelligible response from Equifax, they responded to another account not the TENNESSEE DEPT XXXX ACCT. NO. 
XXXX complained about.XXXX is a fraudulent account.I have never paid them anything because I had an active case and account for the same children in the state of Virginia. 
This account record is based upon fraud and the record should not exist in my file. 
when I spoke with TENNESSEE DEPT XXXX ... they said they would '' go after the filer for fraud ''.
Product: Credit reporting or other personal consumer reports

On my XXXX XXXX XXXX card, I recently balanced transferred part of my balance to another bank and on XXXX XXXX 's online portal it's showing this transfer went through on XXXX and my account has been showing the correct balance since. Additionally, the correct balance amount and utilization is showing on my XXXX and XXXX credit reports ; however, my Experian credit report is still showing my previous balance amount prior to the transfers and is affecting my overall utilization on that card as a result ( see attachment ; this is occurring on both XXXX and XXXX ). 

I've already filed a dispute with Experian, and have also spoken to XXXX XXXX over the phone about this, but they were not able to tell me why XXXX and XXXX have been updated while Experian has not. I didn't file a dispute yet with XXXX XXXX either because they only accept dispute letters through the mail sent to a XXXX XXXX XXXX was hoping this might be a quicker route. 

Ultimately, I would like help to get my Experian report updated to match my current account balance, and not still show my previous balance and utilization. For reference, my current account balance is {$2800.00} and should be a utilization of XXXX  %, but is currently showing on Experian as {$9600.00} at XXXX % utilization per the attachment provided.
Product: Money transfer, virtual currency, or money service

On XX/XX/2018. I wired money XXXX to a bank in XXXX.XXXX XXXX XXXX XXXX. For a house I was purchasing. Come to find out the realtor email was hacked. Causing me to wire money to bank in XXXX. I called Chase bank to report it was a scam. They gave me a investigation case # XXXX. Told me they have to contact the bank in XXXX to get my money back. No good results yet. I have followed up many times. Still no action taken. I want to reclaim my XXXX that was stolen from me. Thanks XXXX
Product: Bank account or service

The US Bank have FAILED to respond my complaint filed on XXXX/XXXX/2015 within a reasonable time having all the financial record 's information on their files about my checking account 's overdraft coverage terminated without notice and the 400 minutes telephone calls recorded by the Bank which are sufficient information for the US Bank to respond to the Consumer Financial Protection Agency. Additionally, the US Bank 's Customer Survey of my call made on XXXX/XXXX/2015 which the US Bank offered the choice to have their customer service representative to call me back to present an apology for the abusive manner she exercise against me demanding immediate payment was not done.
Product: Mortgage

I applied for a mortgage at two different companies submitting the same information Fico score income and was denied from one lender. From the FHA guidelines I should have been approved at both lenders. I called in order to see the denial reason and I as not given adequate information or explanation for denial. Wells Fargo denied my loan application and I feel it is a discriminatory practice. I want my application to be investigated further.
Product: Student loan

I've been calling since XX/XX/year> about the Federal determination regarding the discharge of my loans from the XXXX XXXX of XXXX. Previously, I was told they could see that it was processing on the Department of Education 's side and it would take time. Now, they are saying the have no information of any pending discharge on my account and to talk to the department of education. 

When I call the Department of Education, their records state they are awaiting the servicer 's response and the loans will be discharged. 

Additionally, Mohela has been double reporting my loans to the credit bureaus, severely affecting my credit score. 

Prior to the approval of the discharge, Mohela took 3 years to process my PSLF and I never received the one time credit even though I filed before the federal deadline.
Product: Credit reporting or other personal consumer reports

I keep getting hard inquiries from misleading false advertisement false bank statements false car inquiries false tv inquiries false military inquiries false statement inquiries
Product: Credit reporting, credit repair services, or other personal consumer reports

On   XXXX     I contacted  XXXX   XXXX  in  XXXX  Florida inquiring about a vehicle. I was told to submit my information into their website for pre-approval  WITHOUT  a hard inquiry. No impact on my credit score. I called and confirmed this several times with the sales person, the pre-approval was soft inquiry with no impact on my credit score. The next day I received an alert that a hard inquiry had hit my Equifax report. Upon checking, it was  XXXX   XXXX . I contacted the dealership and was told that they were mistaken about the inquiry and I asked them to remove it.They said they would look into it and get back to me. After a few days with no response or removal, I again contacted them and I was told that they did not have the ability to remove the inquiry. I disputed it with Equifax only to have the dispute closed within  XXXX  hours stating the inquiry was validated as accurate. I contacted Equifax and they told me that only the dealership can remove the inquiry meaning the dealership lied to me both about the inquiry in the first place, but also that they ca n't remove it.     I did NOT authorize this hard inquiry and I want it removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

ive reached out to the credit reporting agencies and have not recieved a response i gave an ample amount of time XXXX XXXX XXXX sec XXXX A. states i have the right to privacy XXXX XXXX XXXX sec XXXX A states a consumer reporting agency can not furnish a account without written instructions Account was not deleted or modified on my report according to the XXXX XXXX ( XXXX ) ( A ) ( i ) XXXX U.S.C XXXX XXXX ( a ) a person shall not furnish any info relating to a consumer to any credit reporting agency if they believe some info is inaccurate
Product: Debt collection

On XX/XX/18 I disputed an account via online with XXXX asking the company to delete as I have no knowledge of the account. XX/XX/18 the results came back updated. XX/XX/18 I sent certified mail a request to verify or delete the account. ( I have uploaded an example if the letter ). The company again only updated the account without verification ( s ). I sent the same request to all three bureaus one of which ( XXXX  ) deleted on XX/XX/18 meeting FCRA requirements.
Product: Credit reporting or other personal consumer reports

According to the FCRA Section 611 ( 15 U.S.C. 1681 ( l ) and the accepted STANDARD of XXXX XXXX data fild reporting, I have the right to dispute any information on my credit report that I believe is not correct. It is essential that all data included in a consumer 's file is properly documented and validated before it is made available for use by creditors. Therefore, I take this matter seriously. The allegations of delinquency and derogatory information against me are entirely false, I won't stand for any misinformation being associated with my name and fiancial history and I am determined to FIGHT back with ALL my strength! The accuracy of your credit report is crucial. The allegations listed do not meet the federal or state requirements for reporting and can not be substantiated. I challenge these claims due to their failure to comply with basic reporting standards, which would provide me with greater confidence in the accuracy of the information presented. It is your responsibility to maintain and report data with complete accuracy and compliance. You must not report any claims that you know do not meet regulatory requirements. It is crucial that we ensure all claims are accurate and reported in the appropriate format as mandated by the Fair Credit Reporting Act ( FCRA ) and reporting standards such as XXXX XXXX. I kindly request that you handle this matter with utmost care and diligence. I did not consent to authorize the sharing of my non public information. The reporting of the information is NOT fair and equitable to me as the consumer. I was never giving proper disclosures or the ability to optout of my info being shared. I have not benefited from any of these transaction. I believe I am a victim of Identity theft. Please block, delete and remove them immediately from my consumer report. Also, I did not consent to authorize the sharing of my non public information. The reporting of the information is NOT fair and equitable to me as the consumer. 15 USC 1681 section 602 A states I have the right to privacy. 15 USC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Also, they aren't even in compliance with XXXX XXXX  credit reporting. I have evidence to prove my case!
Product: Credit card

XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, DC XXXX Subject : Request for Re-investigation of Fraudulent Transactions and Identity Theft Dear Sir/Madam, I hope this letter finds you well. I am writing to formally request that my case of aggravated identity theft be reconsidered and re-investigated by the respective financial institutions : XXXX XXXX, Barclays, XXXX XXXX, XXXX, among others. 

I have previously disputed fraudulent activities in my accounts with these financial institutions. Unfortunately, I have not been fully reimbursed for the monetary losses incurred due to these fraudulent transactions despite presenting substantial proof to validate my claims. 

According to the United States Department of Justice, I have been a victim of aggravated identity theft, affirmed by several letters that they have issued to me as proof. This grave situation has not only caused me severe financial distress but has also impacted my credit history. 

Therefore, I am seeking the intervention of the Consumer Financial Protection Bureau. I kindly urge you to instruct these financial institutions to properly revisit my case and conduct thorough investigations again into these fraudulent activities and transactions. It is crucial for me to recover the money stolen from me and also to ensure that such an incident does not reoccur. 

To further substantiate my claim, I am ready to provide any necessary documentation or support that would be needed in the due process. I am keen to cooperate fully and provide any additional information as requisite to expedite the resolution of this matter. 

Your prompt attention and assistance in this matter would be greatly appreciated. Please advise on the necessary steps I should undertake to progress this issue favorably. I, hereby, also extend my sincere thanks for your service in advance. 

Thank you for considering my request. I look forward to a favorable resolution of this matter. 

Sincerely, XXXX XXXX XXXX
Product: Debt collection

Perfection collection received a certified letter from me in   XXXX   of 2015   stating that my signature and initials were falsified by  XXXX  representative and that unless they could prove to me that the account was mine within 30 days they are not permitted to report this account to the credit bureaus. Perfection collection ignored this letter, illegally reported the {$3600.00} and have still not followed up with any communication proving my ownership of account.