23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I purchased a new home in XXXX and was given reference by my relator to use this company. I have been trying to have my escrow account adjusted, as the taxes I am paying are way too high ( I am escrowing taxes, home insurance, and pmi ). 

I started this back on XXXX when I noticed that that my escrow balance was very high. As well as, seeing they were set to pay 2 tax lots/parcels when I only own 1 lot/parcel. I followed up with XXXX county, to verify the information. upon verification, I messaged back on XXXX that in fact, I do only have 1 lot and my taxes were {$10.00} for my first 6 months. I am paying roughly {$180.00} per month into escrow for taxes! Thats a HUGE difference. 

I also called in XXXX @ XXXX central time as this issue was too large to leave to a message, which they never respond with calls, and spoke with XXXX XXXX She said that there is a overpay and I would be sent a check that would take 3 days to process. 

I called on XXXX @ XXXX central time to follow up as to I had not heard anything nor received a check. I spoke with Ally at that time. She told me she didn't see any check information and that that is not usually how it is done ( as told to me by XXXX ). Also, that the escrow analysis was not even submitted until XXXX and not on XXXX as told by XXXX. 
I then asked to speak with a manager, because this was ridiculous, upon some hold time ( around 10-15 minutes ) XXXX came back on and said the manager was busy, I could either leave a message or continue to wait. I elected to do both, but XXXX would not let me, She gave an ultimatum of either hold or leave a message. I asked what the manager 's name was that would contact me back, and she responded saying that she was not able to disclose that information to me. 
I said I would wait, as she was very rude and becoming irate with me. 
Finally at XXXX, Sharron ( a manager ) picked up the line. I explained everything as in this message, and she said XXXX had mis-spoke and apologized and apologized for the way XXXX was on the line with me. 

She said this would be escalated to the tax department and they would get back with me. 

As of XXXX, I still haven't been contacted by anyone. So I sent a message to them. 
It is now XXXX and I still have yet to hear anything. No message, No check, No call. 
I sent another message preceding this, explaining my next steps, which was contacting XXXX State Attorney General, and Consumer Financial Protection Bureau. 
As read in this message, I have been mis-lead, lied to, and left in the dark with errors on their behalf now exceeding over {$3000.00} In these times, money is a much needed commodity, and the errors they have made and funds they continue to with-hold from me, are defiantly impeding on my well-bieng. 

PLEASE HELP
Product: Credit card

Refer to the attached documents. I request the bureau to initiate an investigation into these accounts, as I am consistently on time, yet they are reported as late.
Product: Credit reporting or other personal consumer reports

Under law Delete these accounts from my credit report XXXX, XXXX and XXXX, as well as these Consumer report Agencies *FACTORTRUST *XXXX XXXX XXXX XXXX XXXX XXXX. ( Repossession  ) *XXXX XXXX ( Repossession/eviction ) : Accounts to Delete Includes : XXXX XXXX charge off XXXXXXXX XXXX charge off XXXX XXXX charge off XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Dept of Ed XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX charge off XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Aka my car returns to me by law ) loss of wages and damages $ XXXX check made payable to me. 
XXXX  XXXX XXXX Collection Charge off XXXXXXXX XXXX XXXX ( XXXX XXXX  sold debt by Dept of Ed which breach Right to privacy ) XXXX XXXX XXXX - Breach of right to privacy sold debt and loss of wages results in damages $ XXXX check made payable to me Laws and Rules that were broken : 15 U.S. Code 1692c ( C ) 15 U.S. Code 1692c - Communication in connection with debt collection ( Reporting to your consumer report is a form of communication ) -Cease Communication/ Cease collection/ Cease Reporting on my Credit Report 15 U.S. Code 1681b - Permissible purposes of consumer reports ( Didn't give any company the right to publish that info on your credit report ) 15 U.S. Code 1681s2 - Responsibilities of furnish of information to consumer reporting agencies. 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. 


15 usc 1681b ( a ) ( 2 ) Needs Written Permission to Furnish ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
Right to Recisson ( 2 ) When the right of rescission is exercised under subsection ( 1 ) of this section, the debtor or person exercising the right of rescission is not liable for any credit service charge, loan finance charge or other charge, and any security interest given, including any such interest arising by operation of law, becomes void upon the rescission. 


Social Security Number is a form of Credit card ( l ) The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. ~Social Security Number~ is a credit card
Product: Credit card or prepaid card

A purchase in the amount of {$340.00} was made at XXXX online. The item was returned within the return period but no credit was issued to card. I contacted the card company and followed ALL of their protocols to resolve this issue but to date have not received the credit. I have contacted customer service fraud division multiple times, speaking to different representatives but to date still no credit. Unfortunately all of our correspondence with the card company, excluding the initial claim filing done by mail, has been by phone. 



XX/XX/19 XXXX  # XXXX XXXX , Tennessee POS Purchase ( Domestic ) XXXX XXXX  - {$340.00} Details Posted Date XX/XX/19 Reference XXXX XXXX  # XXXX XXXX TN US Terminal XXXX
Product: Credit reporting or other personal consumer reports

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

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681XXXX. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section XXXX ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX never sent the periodic statement along with the disclosures from section XXXX ( b ). 

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 

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

Delete the late payments from my consumer reports
Product: Debt collection

Persistent harassment over unknown debt. Ghost calls, calls claiming to be from another company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had issues with all 3 credit reporting companies since they moved to XXXX and lie to there XXXX to say no and give the mm excuses in paper for every complaint you have. I will talk about EXPERIAN CREDIT REPIRTING AGENCIES FIRST. 

1. I HAD MY FILE ON LOCK FOR YEARS AND ALL OF A SUDDEN 3 INQUIREYS COME UP BLOCKED BUT 4 ONE FROM XXXX XXXX  COMES IN AND LEYSIT THROUGH. THESE FOREIGN WORKERS HAVE NO UDEA ABOUT PROCESS AND END UP HANFMGING PHONE UP UF YOU TELL THEM THEY ARE BREAKUNG XXXX XXXX XXXX XXXX XXXX. 
2. XXXX SAYS THEY DIDNT DO IT AND EXPERIAN SAYS XXXX SAYS I NEED THE CEO TO WRITE LETTER SAYING I DIDNT MAKE HARD INQUIREY. LIKE A CEO IS GOUNG TO WRITE LETTER SAYING ABOUT HARD INQUIREY. THAT IS JUST TRIFFLING. 
3. THEN I FIND OUT EXPERIAN HAS BEEN CHARGING ME 3 TIMES A MONTG FOR A YEAR FOR CREDIT SERVICES TO SOMEBODY THAT HAD NO RIGHT USING MY CARD UNDER HER NAME WHICH HOW DID SHE DO. I GAVE NOTHING IN WRITING GIVING MY NANY ANY USE OF MY XXXX XXXX  CARD. WHAT IS HAPPENING TO OUR CREDIT AGENCIES. THIS IS JUST SO ILLEGAL I CANT BELIEVE OUR GOVERNMENT MUST BET taking bribes to let them know they can do ir charge what they want. I dod everything I could including police repirt but that doesn't help anymore. 

XXXX XXXX never told me I had card nit unde my name or I was charged iver XXXX for year. So all these companies out turning on the people that keep them gone. This is the down fXXXX XXXX XXXX
Product: Debt collection

XXXX Removed the posting as a result of my efforts in XX/XX/2018. ( CFPB claim XXXX. ) Diversified Consultants the assumed collection rights for debt as directed by XXXX XXXX. Diversified reposted the debt to all agencies with no validation efforts after XXXX willingly removed the posting This would be reselling of debt to another 3rd party debt collector. A violation of the Dobb Frank Act.
Product: Mortgage

There are 2 late payments on our credit for XX/XX/19 and XX/XX/19. This lates occurred due to us being over seas and payment not getting to bank in time. We are now back and currently trying to sell our current home due to covid we are making less money and our trying to sell this home so we can purchase a smaller home that we can afford. With these lates on our report we cant close on a new home which will make us homeless if we cant get these lates removed.
Product: Credit reporting

I have been requesting verification of the following account that Equifax continues to report on my credit file : Us Bankruptcy court- XXXX Case Or ID # XXXX. Equifax listed XXXX, XXXX XXXX, GA XXXX as the source of their verification on XX/XX/2016. 
I directly called the XXXX telephone number that is listed on my report at XXXX and spoke with a representative she informed me that a security freeze was placed on my account as of XX/XX/2016. 
I also directly called the telephone number listed on my SECURITY FREEZE CONFIRMATION LETTER FROM XXXX XXXX and the representative advise me that my security freeze was confirmed and set into place as of XX/XX/2016. She also told me that there is NO inquiry from Equifax or mode of verification from XXXX to Equifax showing on my XXXX credit file. And she also stated that XXXX DID NOT verify the verification that Equifax shows as reported on XX/XX/2016. 
I demand that this public record Us Bankruptcy court- XXXX Case Or ID # XXXX is removed due to lack of verification and inaccurate reporting of verification date! XXXX agents assured me that Equifax '' s so-called " verification '' on XX/XX/2016 WAS NOT REPORTED BY THEM BECAUSE MY XXXX HAD A SECURITY FREEZE ON IT ON THAT DATE. 
I have repeatedly requested tangible documentation whether electronically or hard copies and Equifax has yet to verify. All they send is a XXXX address and a statement saying " the account is verified. '' I demand that this unverified account : Us Bankruptcy court- XXXX Case Or ID # XXXX is PERMANENTLY DELETED FROM MY CREDIT FILE.
Product: Credit card or prepaid card

reported it several times to discover company but they never paying attention. they keep on telling me its me. My signature on the card is like XXXX my intiial. I lost the card and reported to them but it was used already. it so easy to copy my signature. I told them to help me several times. its not my transactions. Nobody helps me. Please help me to fix this it gives so much impact in my credit score.. thanks
Product: Credit reporting

I have requested a method of validation on an account multiple times since XX/XX/2016 for my account from this debt collector. The account is from the debt collection " XXXX XXXX XXXX ''. Every single time they have never responded or sent me any information about the account because I know that they truly dont have any and cant validate it. The account was for a hospital bill which was invalid because I actually declined services from the hospital and I did not sign any paperwork nor receive any treatment from them. I asked all XXXX credit bureaus to verify with XXXX XXXX so that it could be removed from my account due to being invalid from non-validation. Well I have made multiple requests to the credit bureaus Transunion, XXXX, and XXXX and that will not delete this report even though XXXX will not send me any proof of validation! I should not even have had this on my credit report to begin with. I want it resolved as soon as possible. And please dont come on here saying that you all called, or that you sent me a letter in the mail on some previous date because thats a lie and I never received anything from you and I have been receiving my mail from the other creditors and the XXXX bureaus just fine. I asked Transunion over 3 times to provide me with proof of validation of this account or some paperwork before saying its accurate and that paperwork was never provided. I am inclined to believe that they never truly investigated it to begin with. Also my name is XXXX XXXX but they have it listed as XXXX XXXX and I have told them that information is incorrect multiple times and have even sent them the proof of identity each time they request it and they always reject it even though I send them the EXACT things they keep asking for. It is a really painful disgusting process.
Product: Student loan

I have been receiving harassing phone calls from XXXX XXXX XXXX XXXX in connection with US Bank. I have been unable to pay for the last three months and unable to bring my account to a place where I am able to get a two month deferment. I have explained to the company ( most of the calls are coming from US Bank ) several times that I am unable to pay currently because I am studying for my XXXX exam at the end of XXXX. I have requested them to cease calling until that date but still receive several calls per day and upwards of 10 calls per week. They have also been calling my mother without authorization, and have they been explicitly told to not call her from myself and my mom. Additionally they have removed some of the little money I have to live off of from my account with US Bank without authorization in the amount of approximately {$100.00}. I understand that a debt is owed, but have explained the situation that I will be unable to pay until late XXXX. I understand this type of repetitious calls to be a violation of the Fair Debt Collections Practices Act and would like resolution solely in the form of cessation of calls from the companies.
Product: Credit card

Discover 's promotional offer letter unfair practices Discover sent me a promotional offer letter of its transfer balance 's credit card to my current mailbox address without inconvenience. 

After that, I applied to the credit card and been approved, but the credit card never arrived at my current mailbox address. 

I called them to inform that the credit card never arrived at my mailbox, and they told me that sent it to my previous mailbox address at my parent house. 

I inform them that I do not understand why because the promotional offer letter was delivery to my current mailbox address without problem, then they told to me that will send another credit card. The new credit card never arrived at my correct mailbox address, and time after, I got the credit card that was sent to my parent house. 

When I active the credit card and tried to transfer the balance of another credit card, the option was not available because the promotional offer time was expired. 

The only reason that motivated me to get Discover 's credit card was the opportunity to transfer my credit card balances with XXXX XXXX for XXXX  months, in order to achieve payout all my credit cards debts in that period. Now they affected my credit report and my ability to get another credit card that allow me to achieve with my financial plan. I am from XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding the treatment of charge-off accounts by credit reporting agencies XXXX, XXXX, and Equifax, in violation of 15 USC 1681 ( 2 ) ( a ) ( i ). This issue pertains to the improper categorization of charge-off accounts as income by the Internal Revenue Service ( IRS ) , as well as the inclusion of these accounts on my credit report despite legal prohibitions. 

The IRS considers charge-off accounts as income, which is a policy that is fundamentally flawed and unfair to consumers. Charge-offs represent debts that have been deemed uncollectible by creditors and are typically written off as losses. However, the IRS treats these write-offs as income to the consumer, resulting in tax liabilities for individuals who are already facing financial hardship due to the inability to pay off these debts. 

Furthermore, according to 15 USC 1681 ( 2 ) ( a ) ( i ), credit reporting agencies such as XXXX, XXXX, and Equifax are prohibited from reporting information that is inaccurate or can not be verified. Charge-off accounts, by their nature, are debts that have been discharged or written off by creditors and should not be included in credit reports as they no longer represent active obligations. 

Despite these legal mandates, I have observed that XXXX, XXXX, and Equifax continue to report charge-off accounts on my credit report, which is not only inaccurate but also damaging to my creditworthiness and financial standing. This practice creates unnecessary obstacles for me in obtaining credit, securing housing, and accessing other financial opportunities. 

Therefore, I respectfully request that the Consumer Financial Protection Bureau investigate this matter and take appropriate actions to ensure that XXXX, XXXX, and Equifax comply with the provisions of 15 USC 1681 ( 2 ) ( a ) ( i ) by ceasing the reporting of charge-off accounts on consumers ' credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

My Lexis Nexis report indicates that XXXXXXXX XXXX ran an inquiry on my report, on XX/XX/2022. 

XXXXXXXX XXXX didn't have my permission to request a report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently received information from Experian of a allegedly Bankruptcy that they say was verified from the court, I contacted the court who response was they don't verify to credit bureaus. I disputed the information again for proof of verification from Experian who responded that this was verified from XXXX XXXX I reached out to XXXX XXXX who sent me documents of a removed bankruptcy for being unverified. I sent that information to Experian on XXXX and they just responded with a result of accurate and unchanged result on XXXX. I called to speak with Experian and spoke to XXXX in the dispute department who said it was verified from XXXX XXXX XXXX XXXX who is not a verifiable source. XXXX XXXX Denied me credit for this alleged Bankruptcy.
Product: Debt collection

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX Account # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I sent a certified letter to XXXX XXXX Acct # XXXX, tracking number : XXXX and it was delivered on XX/XX/2022, at XXXX. This letter was demanding that they cease all communication on all mediums included but not limited to my consumer reports Experian, XXXX and XXXX. 

I also sent copies of these letters to Experian, XXXX and XXXX via certified mail letting them know that I refused to pay this alleged debt. As of XX/XX/2022, Experian and XXXX have continued to report this inaccurate and false information. 

Experian has failed to promptly update and correct information it furnished to Consumer Reporting Agencies ( CRAs ) that it determined was not complete or accurate, and continued to furnish this inaccurate and incomplete information, in violation of the FCRA 623 ( a ) ( 2 ), 15 U.S.C. 1681s-2 ( a ) ( 2 )
Product: Credit reporting or other personal consumer reports

On XX/XX/2024 with my permission XXXXXXXX XXXX made a hard inquiry of my credit through Transunion. I was denied the credit and received a letter from the bank date XX/XX/2024 with the reason for denial being that Transunion reported to them that I am XXXX On XX/XX/2024 I logged in to my Transunion account to see if XXXX bank had pulled my credit and it shows that they did. I called Transunion immediately after I checked my credit and I was told that they do not have me listed as XXXX, I called XXXXXXXX XXXX and gave them the reference number that is on the XX/XX/2024 letter that they sent me and they confirmed that Transunion told them that I am XXXX and that is why the credit was denied. I was also connected with XXXX credit since the card that I applied for is the XXXX XXXX XXXX. The service representative looked up my information and told me that the request for the card never made it to them from XXXXXXXX XXXX  because there was no reason for them to look at it since I was listed as XXXX and the only way that will change is if Transunion contacts the bank and tell them that they made an error.
Product: Checking or savings account

Wells Fargo has charged me predatory overdraft fees AND mistakenly held deposited funds from me for two weeks or more. Refunding {$310.00} of wrongly accused overdraft fees IS UNSUITABLE, and I will not go away until I have been appropriately redressed.