23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I paid {$500.00} on my personal property taxes to the XXXX XXXX treasurers office, on XXXX. NewRez never reflected that this payment was made. Their third party company paid {$1900.00} on XXXX. The third party company said that they told New Rez this. We have called New Rez more than 8 times trying to get this corrected and they tell us that they will research and call us back and never give us a call back. I have faxed a copy of the check and statement from the Treasurers office and we still have not any results. We paid the {$500.00} and we need to get credit for it. The name of third party is XXXX XXXX  and this is what they sent us. 
-- -- -- -- Original message -- -- -- -- From : XXXX XXXX Date : XX/XX/21 XXXX PM ( XXXX ) To : XXXX XXXX ' XXXX Subject XXXX XXXX : XXXX Property taxes Good afternoon, Thank you for inquiry, we have verified your request and we have notified the lender about the payment advised them to take the required action on the payment. 
parcel # XXXX XXXX customer product support
Product: Credit reporting, credit repair services, or other personal consumer reports

Rate shopping improperly reflected as multiple hard inquiries. 
I did not authorize this inquiry. 
I do not recognize this inquiry.
Product: Student loan

I feel I was robbed by Navient I owe them over XXXX I did n't even know the terms of the loan or that it was this much until I dropped out of school.
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 ( 5 ), before the end of the 30-day 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 Account Number XXXX XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Account Name : XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Account Name : XXXX XXXX  Date of Inquiry : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

It seems that my Complaints # XXXX, XXXX, and XXXX was closed last XX/XX/XXXX upon checking it. Again, this is my endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, kindly block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. Please see the list of erroneous items found on my credit report : XXXX XXXX Balance : {$0.00} ; XXXX XXXX  XXXX Balance : {$770.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX Balance : {$770.00} ; XXXX XXXX  XXXX Balance : {$1500.00} ; MEDICAL XXXX Balance : {$84.00} ; MEDICAL XXXX Balance : {$84.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$170.00} ; XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$1000.00} ; XXXX XXXX XXXXXXXX ( Original Creditor : XXXXXXXX XXXX  ) XXXX Balance : {$1500.00} XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XX/XX/XXXX ; XXXX XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

Holloway Credit Solution is reporting information that I have no knowledge of. I have no signed contract with this company
Product: Vehicle loan or lease

This creditor has violated my rights under 15 US C 1681 section 602. States I have the right to privacy 15 US C 1681 section 604 A section 2 it also states a consumer reporting agency can not furnish account without written instructions under 15 US 1666B accreditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.
Product: Credit reporting

I sent Trans Union a request to remove XXXX unauthorized and unverified accounts from my credit report. These accounts are incorrect and Trans Union Violated Section 609 of the Fair Credit Reporting Act by not verifying signed Consumer Contracts PRIOR to reporting accounts on the credit profile.
Product: Credit card

I went to a dentist for a full mouth rehabilitation case. The total cost for my case was over {$50000.00}. It is usual that half is paid when the dentist prepares the crowns and half, upon delivery. I paid the dentist over {$27000.00} with my CARECREDIT card account by SYNCHRONY Bank, which is used for medical and dental purchases. The dentist never completed or delivered the promised services and goods per our agreement, in over a year. I then filed a dispute with CARECREDIT for " NON-RECEIPT OF SERVICES AND GOODS '' and " NON-DELIVERY OF SERVICES AND GOODS, AS AGREED '', which are two examples of billing errors that must be enforced by Creditors, under THE FAIR CREDIT BILLING ACT. They contacted the Provider, who pretended the work was still ongoing, although I had not heard from him in two months. I sent undeniable proof of the BREACH OF CONTRACT to CARECREDIT. I had been trying to reach the dentist without success and sent him two certified letters that had been left unanswered. I was still in " Provisionals '', so it was evident I had not received the final crowns. Then SYNCHONY BANK wrote to me that because they had credited me a different sum for another dispute, with another dentist, four years earlier in 2011, they could not credit me or reimburse me for this dispute. They of course, conveniently left the name of the other dentist from their response letter. I contacted them to say that the old dispute with the other dentist, had nothing to do with this new dispute with my current dentist ; they never responded to me and then released the disputed amounts in the Provider 's favor. It was evident that no matter how well documented my claims against my dentist were and how obvious his unethical and abusive business practices were towards me, SYNCHRONY BANK was going to side with him, the Provider, instead of protecting my rights as a Consumer ; ( because it was easier and less expensive for them, to do so ).
Product: Credit reporting or other personal consumer reports

RE : Dispute of Unauthorized Information Disclosure Pursuant to 15 USC 1681 Dear Sir/Madam, I am writing to dispute the accuracy of information contained in my credit report. According to my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681, I have not provided written consent for the furnishing or obtaining of my consumer information by your agency. Therefore, any information contained within my credit report that has been obtained or provided without my explicit written consent is inaccurate and in violation of federal law. 

Upon reviewing my credit report, I have noticed entries that suggest my information has been furnished or obtained without my authorization. I have not authorized any entity to share or request my consumer information with your agency. As such, any entries attributed to me that are a result of such unauthorized disclosures must be promptly removed from my credit report. 

XXXX. Under penalty of perjury I swear this account is false and misleading XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. Under penalty of perjury I swear this account is false and misleading XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. Under penalty of perjury I swear this account is false and misleading XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

XXXX. Under penalty of perjury I swear this account is false and misleading XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

XXXX. Under penalty of perjury I swear this account is false and misleading XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. Under penalty of perjury I swear this account is false and misleading XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. Under penalty of perjury I swear this account is false and misleading XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 




I kindly request that you conduct a thorough investigation into the origin of the information in question and provide documentation proving that proper written consent was obtained as required by law. If you are unable to provide such documentation, I request the immediate removal of the disputed entries from my credit report. 

Furthermore, I demand that you cease and desist from further unauthorized inquiries into my consumer information without my explicit written consent, as required by 15 USC 1681. 

Please provide me with a written response detailing the actions taken to rectify this matter within XXXX  days of receiving this dispute letter, as mandated by the FCRA. Failure to comply with these requests may result in legal action being pursued to protect my rights under federal law. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I received an alert from a credit monitoring service that an account labeled " XXXX XXXX XXXXXXXX '' with a balance of {$660.00} was opened on XX/XX/22 and reported on XX/XX/22. I have no knowledge of this account and it is fraudulent.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX & XXXX XXXX reported me to the credit bureau saying I owe a medical bill. I never went to XXXX XXXX XXXX ever. I sent them a debt validation letter via certified mail and the never responded.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a home equity loan and was denied. Reasons, serious delinquency, excessive amounts past due on accounts, time since delinquency is to recent or unknown. Further investigation revealed that XXXX had made errors and never closed an account that I was burglarized on. They ran up the fees and closed the account for non payment unbeknownst to me. They gave me a letter stating such mistakes. They will not give me a refinance loan due to there errors. Im stuck paying a high interest mortgage. They claim that I have to fix the errors with the credit bureaus. They caused financial stress and turmoils due to there inaccuracies and failures to remedy it. Furthermore, there banking app has flaws which I brought to there attention. It does not report all scheduled payments. I feel so helpless fighting a big bank. Ive spent 30-40 hours being redirected to a department who cant help me. Im at such a loss how an institution can get away with this. Ive been a customer for 23 years and have had my mortgage with them for 16. I apologize for not keeping a lot of money so I can receive better service, but I figure most cant. I have less then 10 % debt to income ratio, an excellent credit score until I paid off most of my credit cards and my score dropped. Im on a XXXX income from the XXXX. They also denied me stating I dont keep a high enough balance. They also state that I have excessive obligations in regards to my income. My financial obligations only account for 25 % of my income. They are also stating that my recent credit score which  dropped to XXXX was to low for them. This has to be illegal or some type of financial biast for many different reasons. I doubt a lawyer would represent me because XXXX will just prolong the case. It would not be financially feasible for an attorney to handle it. 
They are also technically financially responsible for any interest rates that I was given because of there inaccuracies. There has to be accountability. I pay my bills on time and work very hard being financially responsible in XXXX. They are burdening my financial load especially through these tough financial times due to the pandemic.
Product: Debt collection

Genesis Credit Management XXXX XXXX XXXX XXXX, WA XXXX ( XXXX ) XXXX XXXX The named agency above is reporting a collection account to my credit account for the original creditor XXXX XXXX at XXXX. I contacted XXXX XXXX at XXXX with proof that I had to XXXX XXXX XXXX XXXX  to XXXX XXXXXXXX and also provided documentation from a legal advocate at the XXXX XXXXXXXX shelter I resided in, however the debt was still sent out for collection which goes against the XXXX XXXX XXXX which states victims of XXXX XXXXXXXX are not liable for debt incurred due to fleeing XXXX XXXXXXXX. I then also provided that same documentation several times to the collection agency I am writing this formal complaint against. I sent notice that they were violating my FCRA rights by reporting a debt that I was not legally liable for being a victim of XXXX. I also sent in the same documentation to support my facts ; however, the company Genesis Credit Management is still reporting this account as a collection illegally even after several notices.
Product: Checking or savings account

On XX/XX/2022 Chime Made an adjustment in the amount of {$2200.00} leaving me with a negative balance. I was stranded in Florida during Hurricane Ian. They said it was XXXX XXXX. that required the funds. Chime claimed they received an LOI Letter Of Intent. They told me there was nothing they could do and I needed to contact XXXX XXXX. I did. I even made a complaint against them here a year ago. However, XXXX XXXX  told my bankruptcy attorney and myself they did not give an LOI. They did not request such funds. I revisited Chime with this news. Chime did not comply. 

I requested Chime provide me with the letter of intent. They then advised me they could not find it. It has been almost a year. I call Chime daily and I email them daily. They say it has to be escalated to the internal team via back office email and they repeat this over and over again, each time I call leaving me with no answers and or solutions.. 

I am appalled at the level of service I have received. I have gotten nowhere. I have provided Chime via email proof of the letter from XXXX XXXX. They provided me with here. Along with a copy of the email from us bank with my bankruptcy attorney in the email threads, as well as a copy of my discharge papers. However. Chime still refuses to fix the adjustment and keeps sending me back to XXXX XXXX. 

I had enough.
Product: Mortgage

To Whom It May Concern ; Back in XXXX or XX/XX/XXXX we applied for XXXX of those Making Home Affordable loans with Wachovia which is Wells Fargo now, because me and my husband, both lost our jobs. Those loans were supposed to be 30 year fixed loans and the usually reduce your principle balance so you will have a smaller payment that you can afford. Well first they said we did n't make enough money, so we had to add my daughter 's income to show more income so they would approve us, because I was on unemployment. And then when we finally got temporary approval, first we had to make XXXX payments on time and then it was made a permanent loan. Well to start with our payment before we got this loan was about {$910.00} after our temporary loan was approved, our payment went up to {$1000.00}, starting on XX/XX/XXXX, then XXXX payment on XX/XX/XXXX and XXXX payment on XX/XX/XXXX, so our payment went up instead of down, they did n't reduce our principle balance like they should have so our payment would be smaller, that was the purpose of the Making Home Affordable loans, but that never happened. Plus it should have been a 30 year fixed, but it was n't because we just noticed that in XXXX of this year our payment will increase and again in XX/XX/XXXX it will increase again. I do n't know if you can help us out and do anything about it since our loan was done wrong, because it did n't make the payment affordable to us so we could pay it ourselves, so for now my mother in law pays our house payment for us because we ca n't afford it and she does n't want us to lose our home, but she ca n't do that forever. We need to get this loan corrected the way it should have been. Because my sister that lives in XXXX, CA got a Making Home Affordable loan last year in XXXX and they reduced her principle balance and her monthly payment went from {$1500.00} a month to {$500.00} a month, that 's the correct way it should be done. So can you please let me know if you can do anything and help us to get our loan corrected? Please help us out if you can!!!!! Let me know what info you need from us, if you can help us. Thanks!!! 
Sincerely, XXXX & XXXX XXXX
Product: Vehicle loan or lease

I recently moved..Santander consumer usa was last on my list to change address. My payments are sent auto  payment from my bank to you..yesterday I went to mailbox and received my XX/XX/XXXX. statement..with my NEW address ... .Where did you get my new address? 
I haven't submitted it to you yet ... 
I have had many problems with you ... .now I would like to know HOW and WHERE you got my new address? 
Your company has caused me unnecessary stress and anxiety,,, now this?
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX {$3500.00} XXXX Account details Account Number XXXX Date Opened XX/XX/XXXX Last Activity XX/XX/XXXX Original Creditor Monthly Payment {$0.00} Term Source Type Current Rating Collection/Charge-off Status Closed Type Individual High Balance {$3500.00} Unpaid Balance {$3500.00} Highest Adverse Rating Collection/Chargeoff Most Recent Adverse Rating Collection/Chargeoff Comments Account Information Disputed By Consumer Account details No History Is Available Collection agency XXXX XX/XX/XXXX {$3500.00} XXXX XXXX Account details Account Number XXXX Date XXXX XX/XX/XXXX Last Activity XX/XX/XXXX Original Creditor Monthly Payment {$0.00} Term Source Type Provided Current Rating Status Charge Off Type Individual High Balance {$3500.00} Unpaid Balance {$3500.00} Highest Adverse Rating Collection/Chargeoff Most Recent Adverse Rating No Data Available Comments Account details Youve Made 98 % Of Payments For This Account On Time. Collection agency XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX Open Accou XX/XX/XXXX {$3500.00} XXXX XXXX Account details Account Number XXXX Date Opened XX/XX/XXXX Last Activity XX/XX/XXXX Original Creditor Monthly Payment {$0.00} Term Source Type Provided Current Rating Collection/Charge-off Status Closed Type Individual High Balance {$3500.00} Unpaid Balance {$3500.00} Highest Adverse Rating Collection/Chargeoff Most Recent Adverse Rating Collection/Chargeoff Comments Account Seriously Past Due Date/account Assigned To Attorney, Collection Agency, Or Credit Grantor 's Internal Collection Department Account details Youve Made 6 % Of Payments For This Account On Time. Collection agency XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX INSTALLMEN Hide Details XX/XX/XXXX {$1000.00} XXXX XXXX XXXX Account details Account ID : XXXX Paid on time 30 days past due 60 days past due 90 days past due 120 days past due 150 days past due Bankruptcy Repossession or foreclosure Collection or charge off Voluntary surrender No data available XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Paid on time 30 days past due 60 days past due 90 days past due 120 days past due 150 days past due Bankruptcy Repossession or foreclosure Collection or charge off Voluntary surrender No data available XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I am not able to get a copy of the Target RedCard credit agreement or terms & conditions. I have attempted to use the website request and also called the customer service number on the back of the card. The representative put me on hold and then ended the call after 7m 24s.

The website gives an error message requesting a valid zip code. I have attempted my 5-digit and 9-digit zip code, neither works.
Product: Debt collection

XXXX XXXX XXXX ( Attorney XXXX XXXX XXXX ) in XXXX Kentucky was hired by XXXX XXXX XXXX XXXX of XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX NY XXXX, XXXX being a third-party collection agency who purchased the debt from Citibank in or about XX/XX/XXXX,  advising I owed {$1500.00} of which I just recently learned. XXXX placed a lien against my residence in XXXX County, Kentucky for this amount on XX/XX/XXXX, it then caused to have all of my paycheck ( s ) deposited to my XXXX checking withdrawn via unknown garnishment in the amount of {$1300.00}, leaving me without one cent. The debt collection is being handled in an illegal manner, past statute debt to collect, using a third-party debt collector without proper notification, having placed a lien on my residence, then proceeding to garnish all of my funds from my checking account leaving me penniless. I never used Citibank 's credit card. I ask that I be reimbursed the monies taken from my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Checking or savings account

On XX/XX/2024 filed a dispute for duplicate charges and the bank on XX/XX/2024 closed my disputes without an explanation letter or even a summary of the investigation.