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

To whom it may concern I am looking over my hard inquires with XXXX  and there are a few inaccurate information that either should have been taken care of but for some reason wasn't. Today 's date is XX/XX/XXXX XXXX XXXX in XX/XX/XXXX was fraud and Santander XXXX on the same date XX/XX/XXXX was never authorized by me I never signed anything and I was told would be off my report asap. I understand that's newer so that might take some time. I also have a XXXX  XX/XX/XXXX which i spoke to plenty of times and they removed it from XXXX  and XXXX  as i never authorized that either and was fraud. I wrote them letters and everything under fair credit report also so I am unsure why that is still on there. Than the last one that i never gave anyone any permission to run my credit was XXXX XXXX XX/XX/XXXX. There customer service team was very helpful and removed from XXXX  and XXXX  but it is still showing on my XXXX  credit profile.
Product: Credit card

I disputed Ginny 's, XXXX XXXX and Montgomery Ward accounts for which I have never had an account. I received letters back suggesting that I file an Identity Theft complaint. When I went to the website on the letter, it did not apply to me. Then I was redirected to your website complaint form.
Product: Mortgage

We had refinanced our home mortgage with loandepot and have been making on-time payments ever since. Money has been paid into escrow to cover property taxes, and these have not been paid. We are now facing late property taxes with interest by the county. Loandepot sold the mortgage to XXXX  this XXXX, and they state that they shouldnt have to pay the taxes as they were due when loandepot owned the mortgage. Loandepot states that they can not pay as they no longer own the loan. We are facing the loss of property due to this and each lender blames the other.
Product: Credit reporting or other personal consumer reports

I contacted your company to convey my objection regarding certain details in my credit report. Attached to this correspondence is a duplicate of my initial communication. However, I haven't received a response from your company regarding my dispute, which now requires either an amendment or removal of the contested entries from my credit history. XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX XXXX XXXX XXXX XXXX, MI XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed XXXX {$3100.00} XXXX XXXX Balance Owed : {$9900.00} XXXX XXXX XXXX Payment Status : Late 30 Days XXXX XXXX XXXXXXXX Payment Status : Late 30 Days XXXX XXXX Date Opened : XX/XX/XXXXXXXX XXXX XXXXXXXX Payment Status : Late 90 Days XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX XXXX XXXX XXXX Late 30 days XXXX XXXX XXXX XXXX Balance Owed : {$740.00} XXXX XXXX XXXX XXXX Balance Owed : {$790.00} XXXX XXXX XXXX Balance Owed : {$110000.00} U S DEPT OF EDXXXX XXXX Balance Owed : {$5000.00} U S DEPT OF EDXXXX XXXX Balance Owed : {$2600.00} U S DEPT OF EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX Factual Dispute letter XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Factual Dispute letter XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$3900.00} U S DEPT OF ED/XXXX XXXX Balance Owed : {$7700.00} U S DEPT OF EDXXXX XXXX Balance Owed : {$2300.00} U S DEPT OF EDXXXX XXXX Balance Owed : {$7500.00} U S DEPT OF EDXXXX XXXX Balance Owed : {$1700.00} U S DEPT OF EDXXXX XXXX Balance Owed XXXX {$3700.00} U S DEPT OF EDXXXX XXXX Balance Owed : {$7100.00} U S DEPT OF EDXXXX XXXX Balance Owed : {$8200.00} U S DEPT OF EDXXXX XXXX Balance Owed : {$10000.00} U S DEPT OF EDXXXX XXXX Balance Owed : {$4000.00} U S DEPT OF EDXXXX XXXX Balance Owed : {$2700.00} U S DEPT OF EDXXXX XXXX XXXX XXXX XXXX {$4300.00} XXXX XXXX XXXX OF XXXX XXXX Balance Owed : {$2100.00} U S DEPT OF EDXXXX XXXX Balance Owed : {$6100.00} XXXX XXXX Balance Owed : {$3100.00} XXXX XXXX XXXX Date XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXXXXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX Date XX/XX/XXXX
Product: Mortgage

My husband and I have made several attempts to contact Mr Cooper regarding our now delinquent tax bill, which was due on XX/XX/2019. I will attached my statement from XXXX, which was my previous loan servicer, which shows that they indeed did not pay the tax bill out of our escrow account, and Mr. Cooper now has over {$3500.00} in escrow and should be paying this bill. Their records indicate that XXXX paid the tax bill. It is not paid. 

I have contacted them on several occasions by telephone and still have received no correspondence or action regarding the the above referenced tax bill. 
Here are the correspondence as follows : XX/XX/2019 at XXXX Phone Call This was our initial call in which we addressed the tax bill was not paid. We were told that they would be passing the information to the tax department for review, and they were going to contact the county and handle the payment. Then we would receive confirmation of that payment. 

XX/XX/XXXX Phone Call On the second attempt to contact Mr Cooper, we were told that the information was never sent to the tax department, and that the would now be sending the tax information, that someone would be contacting us regarding the tax bill. We never got any calls or correspondence back, and the tax bill was never paid. Their records indicated that the tax bill was paid by the loan servicer, my attached document is proof the previous loan servicer chase did not pay the tax bill through escrow. I asked for documentation that the information sent to the tax department called a XXXX be send to me. They refused to send this documentation to me. 

XX/XX/XXXX approx XXXX - Phone Call On my third attempt I asked that this be taken care of, and that the tax bill again would be paid. The person I spoke with one the phone told me she was accelerating the situation and that I should be getting a call back from a supervisor. After 24 hrs, I still have not gotten a call from a supervisor, or any calls back or confirmation that my tax bill has been paid, much less addressed. 

XX/XX/XXXX : XXXX - Faxed Letter and Tax Bill to Tax Department at XXXX.
Product: Credit card or prepaid card

I recently applied for a XXXX Citi Card. When I did this, they ran a hard credit inquiry. I did not authorize and it is affecting my credit score.

Because I didnt authorize, could please remove the hard inquiry? In addition, could you please change your policy so this doesnt happen without consent?
Product: Debt collection

I was in a car accident in XXXX 2013. The car was totaled. I should NEVER have been billed for the insurance policy! I want this removed from ALL XXXX credit bureaus ASAP.
Product: Mortgage

This was a new loan. Autopay was set up immediately with my bank to make these payments every month. 
My XXXX payment was cleared out of my XXXX XXXX Checking Account on XX/XX/XXXX for {$1700.00}. 
On XX/XX/XXXX Loan Depot made an electronic payment into my XXXX XXXX XXXX Account for that same amount of {$1700.00}. 
I tried to resend it to them and on XX/XX/XXXX my XXXX payment for {$1700.00} was cleared out of my XXXX XXXX Checking Account again. 
On XX/XX/XXXX Loan Depot made an electronic payment into my XXXX XXXX Checking Account for that same amount of {$1700.00}. 
I called and was told by Loan Depot they never received that payment and to resend it again as they had received all of the previous payments with that payment method. 
On XX/XX/XXXX I again had the payment of {$1700.00} for Loan Depot posted as cleared from my bank account. 
On XX/XX/XXXX the payment was again electronically submitted by Loan Depot into my XXXX XXXX  Checking Account. 
After this I called Loan Depot again XX/XX/XXXX. We did a conference call with my bank XXXX XXXX  and Loan Depot to try and determine what was going on. During this call the Loan Depot representative with the XXXX XXXX  representative figured out that Loan Depot had previously changed my loan account number. This is why payments were being returned because my loan number was changed it was being returned as a nonexistent account. 
XX/XX/XXXX I called Loan Depot to determine why they were reporting me as 30 days late on my payments. I spoke to XXXX XXXX XXXX and was told she found that recording and was going to escalate it to the supervisor. 
XX/XX/XXXX I contacted Loan Depot via chat. I was connected to XXXX XXXX who wrote that a supervisor would be giving me a call within 24 hours.
Product: Mortgage

i am filing a complaint against ocwen mortgage servicing llc because of my escrow account calculation are incorrect and they will not correct the issue. I have made serveral attempt to resolve the matter. I have request a complete audit of my escrow account since ocwen has taken over my mortgage account. I have done a calculation of my escrow account. and compared to there analysis. I will attach a copy of my calculation and there original analysis. the original analysis was done on XXXX XXXX 2015 and when I question the analysis the sent a second one XXXX/XXXX/2015 which was even had more errors and double billing and collecting.
Product: Debt collection

I communicated and sent a letter on XX/XX/year> to Southwest Credit System LP, requesting them to cease and desist all mediums of communication, including my credit report which is a medium of communication. However, in XX/XX/year>, they violated US Code 1962C by reporting a derogatory account on all three of my credit reports. This derogatory mark severely impacted my credit score.
Product: Mortgage

XXXX  XXXX XXXX sold my mortgage to Specialized Loan Servicing without my consent with this company or other choices. I deferred my yearly taxes to the town, and Specialized has been insisting on adding escrow on my account, ,I sent in documentation showing the taxes have been deferred, but Specialized is still adding escrow to my account., and is now saying that I am past due plus stating my credit could be in jeopardy.. 

I have timely paid every month on this 4.2 % mortgage, but can not get them to understand that their charges for escrow is unwarranted. 

I feel like I am being harassed by this company, and betrayed by XXXX  XXXX XXXX. 

Most Sincerely
Product: Credit reporting or other personal consumer reports

To whom it may concern..

I have recently reviewed my credit report, In doing so, I found instances of a late payment on an account for which I have always made timely payments for.

Being so many things in life rely on good credit, I thoroughly believe the information within the credit report should be extremely accurate. 
I havent ever missed a payment on any of my accounts, including my longest standing acct. Which is the XXXX XXXX XXXX account, acct # XXXX. 
Therefore Im requesting that a thorough investigation is submitted regarding these discrepancies. I urge you to provide evidence.

Such as statements demonstrating the lateness of the payments.if unable to provide such proof I demand these payments be promptly updated to reflect their true status as on time/ no late payments, being I have consistently upheld my payment obligations without delay
Product: Debt collection

XXXX XXXX XXXX has purchased an account from Capitol One that the person has similar names ; however, is not me. When asked in what was the social security number for the person the worker researched and said they did not have a social security number on file for this account. I asked them how could that be for all my accounts I have my social security number attached to them. After that call the lady had the account removed from the credit report stating she did not believe it was me. A few years later i started getting harassing charges and the representative was trying to get me to write fraud on the account but I refused because I stated to them how do I know its fraud on me if my social is not on this. it was then taking off of my other credit report only to reappear on another credit report a few months ago. Please help this is so annoying. Al my credit cards are up to date and I have not missed a payment on none of these accounts. this bad report is messing up my score and it is not okay. I have worked hard on my credit so no account that doesn't belong to me should be on there.
Product: Credit reporting or other personal consumer reports

The company sent an approved forbearance notice for XX/XX/2024-XX/XX/2024. However, the company reported the account as late for XX/XX/year> and XX/XX/year>. I have been denied access to other opportunities because of the recent dates of reported late payments by this company.
Product: Credit reporting or other personal consumer reports

I request a prompt review and removal of these unauthorized inquiries from my credit report. I have attached relevant documentation to assist in resolving these matter. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/year>
Product: Mortgage

Once again my auto payment was the XXXX and XXXX of every month. They took the money out on the XXXX of XX/XX/2023. I requested a return, since auto pay is one the first. They charged me a fee off {$35.00}. I made my payment on the XXXX of XX/XX/2023. The total payment in the contract is XXXX for principal and interest and XXXX for escrow, for biweekly is XXXX. I made that payment of XXXX for the principal and interest and a payment of XXXX for escrow which equals XXXX. This is the second time this company has messed up.
Product: Credit card

I never opened this account or had this card, I requested to remove this account from my report and it still showing. 
I sent my police report XXXX of XXXX Police Department XXXX XXXX XXXX on XX/XX/year>. 
I am a victim of identity theft. 
Please, update this info ASAP
Product: Credit card

Hello, I was charged a late fee on my citi credit card on XX/XX/2016 and when I called to reverse the fee about a week and a half later ( and subsequently closed the account ), I was told by the representative that it was removed successfully. I did n't see that reflected on my account on-line so I called them again which I was told that the on-line information wo n't change since the account has been closed. To my surprise, I was charged again with another late fee on XX/XX/2016. After I called the company to resolve this, I was assured again it was resolved and the account will return to XXXX balance the following day. When this did n't happen, I called them again, and this time they told me they are unable to reverse the late fee because they are " valid '' charges. I was also told there is no log of the late fee reversal was successful from their " note '' to prove what I was told before. However, I was not aware of the fact that I need to specifically request to log what the previous representative told me on the " note '' in order for subsequent agent to follow or acknowledge as such information is not provided through my previous calls, online, or through mail communication. I think my credit was hurt because of the fact that the bank provided false information on multiple occasions and push me into worse and worse financial situation via compounding fees that I would n't been in otherwise. The representatives kept telling me it was taking care of but it was never done and since each inquiry requires waiting time, the late fee is accumulating and they changed their story when it is too late. It is the bank 's responsibility to provide consistent and accurate information to its customers as they will be placed in the disadvantage position if they can not trust statement from the agents who are representing the bank.
Product: Credit reporting or other personal consumer reports

I have reached out to the XXXX credit bureaus about derogatory issues on my account. 

There are XXXX accounts that XXXX, XXXX, Equifax show I have reached out to them numerous times its been about 5 months but the accounts are still on my report which is brining my credit score down.
Product: Credit reporting, credit repair services, or other personal consumer reports

An account with XXXX XXXX shows on my credit report as 30 days bas due reported in XXXX of 2017. That account was closed XXXX XXXX, 2017. My account has never been past due. I have reached out to XXXX with no response.
Product: Credit card

I have contacted Chase multiple times requesting to stop being sent credit card offers,, and they have ignored my requests. 
The last time I called them,, the rep required me to provide my social security number. I do not have an account with them, so they should not have or need my social security number
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX hours ago CFPB Complaint Reason and Resolution for Late Payments This creditor engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. According to 15 USC 1666b it is a billing error I did not receive a statement 21 days before the late payment error. If finance charge included, there should be no late payments pursuant 15 USC 1605 ( a ) due to finance charge bring sum of all charges so I can not be penalized for something that is already paid in full.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX HAS FAILED TO COMPLY TO OBLIGATIONS OF FURNISHERS UNDER THE FCRA and placed this account under charged off with a balance, and on the week of XXXX XXXX reported the account in collections. 

XXXX continues to furnish information that I have identified as resulting from identity theft. Section 623 ( a ) ( 6 ). If a furnisher learns that it has furnished inaccurate information due to identity theft, it must notify each consumer reporting agency of the correct information and must thereafter report only complete and accurate information. Section 623 ( a ) ( 2 ). When any furnisher of information is notified pursuant to the procedures set forth in Section 605B that a debt has resulted from identity theft, the furnisher may not sell, transfer, or place for collection the debt except in certain limited circumstances. Section 615 ( f ).
Product: Credit reporting, credit repair services, or other personal consumer reports

All of my complaints within the CFPB were not taken seriously were not handled properly I was talk at not to. They refused to handle my complaints properly every time I got some type of notice about a complaint and I tried to respond I was not able to respond in a timely manner because my email would always bounce back to my mother who had some previous complaints which had nothing to do with me I want my complaints with respect reviewed and started from the beginning so that I can get a proper handling of that with this new administration. How I was unjustly treated. I told them I was a XXXX Veteran and that meant nothing to the them.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX and this personal statement is being written by me. By the Fair Credit Reporting Act ( FCRA ), the accounts listed in this report should not be furnished on my reports. According to FCRA section 604F, prohibits a person/company from using or obtaining a consumer report unless the consumer uses the report, and it is obtained for a purpose for which the consumer report is authorized to be furnished. FCRA section 1681-S states, that a company/person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or consciously avoids knowing the information is inaccurate. Lastly, 15 USC 1681-4 consumer report agencies have to resume having a vital role in assembling and reevaluating consumer credit periods there is a major need to ensure that reporting agencies exercise their grave responsibility with respect for the consumers right to privacy. I demand the removal of these accounts : XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

The items listed below are reported on my credit file and were found in my reports with XXXX credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law regarding identity theft. Additionally, the credit reporting agency & data furnisher have not provided any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX EXPERIAN XXXX XXXX XX/XX/XXXX EXPERIAN XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

My Experian credit report contains incorrect personal information, leading to the appearance of several unknown and inaccurate accounts. I am a victim of identity theft, and my details were used fraudulently, resulting in multiple accounts on my report that I am not associated with. I followed the proper steps by filing an FTC report as instructed by Experian and submitted it for review, but these fraudulent accounts still remain on my report.
Product: Credit reporting or other personal consumer reports

XXXX XXXX credit card shows up on my XXXX XXXX as being HIGH BALANCE. I told XXXX to tell XXXX, XXXX, and Transunion to REMOVE themselves from my XXXX XXXX because I AM A VICTIM OF IDENTITY THEFT and FRAUD. SEE POLICE REPORT. MY XXXX XXXX IS DAMANGED and REMOVE balance.. THEY NEED TO REPORT TO ALL XXXX AGENCIES NOW TO REMOVE. I have been making mimimum balance payments because XXXX has ignored me and I do not want my credit to be further harmed. I have been telling them to help with this for over XXXX XXXX
Product: Credit card or prepaid card

I filed complaint against Amex last year and as I informed CFPB and suspected they retaliated against me now and Amex suspended my Reward points and told me they are under review. I wanted to transfer that reward point for airline ticket purchase but I couldnt do it as they put hold on my rewards account!! 

This is a clear action of retaliation. 

My previous complaint # XXXX Please help me get my rewards account back. I have over XXXX points in my Amex reward account. 


Thanks XXXX XXXX