23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I purchased my home in XXXX of XXXX using an FHA loan through XXXX XXXX, which subsequently sold my mortgage to Freedom Mortgage. Unfortunately, since then, I've encountered persistent issues related to my property taxes. The first problem arose when I received a letter from the county stating that I owed {$3000.00} in taxes. Despite numerous calls to Freedom Mortgage, I faced long wait times and repetitive responses, with no resolution. Eventually, I took matters into my own hands, researched and contacted an executive who helped connect me to the head of the call center in Pennsylvania. After a month, I finally received the answers I needed. 

Fast forward to XX/XX/XXXX, and I find myself in a similar situation. Over the weekend, I received yet another letter from the county threatening a new lien on my property due to delinquent taxes. Despite paying my mortgage on time, I continue to receive these notices. Today, I was forced to pay a delinquent tax bill with late fees out of my own pocket. While I've considered refinancing my loan with another bank, the prospect of higher interest rates dissuades me. It seems I'll have to deal with this ongoing issue because Freedom Mortgage fails to pay my taxes promptly. I hope to find assistance here, as I've been unable to get help from Freedom Mortgage and want to prevent others from facing similar challenges.
Product: Credit reporting, credit repair services, or other personal consumer reports

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 acct # XXXX Limited reporting information XXXX XXXX XXXX acct # XXXX XXXX XXXX  ACCT # XXXX The above account names has violated my rights 15 USC 1681 section 602A states I have the right to privacy 15 USC 1681 section 604 a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions 15 USC 1681C ( a ) ( 5 ) 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 The conviction of crimes which antedates the report by more than seven years 15 USC 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 calls to believe that the information is an accurate
Product: Credit reporting or other personal consumer reports

I have filed a dispute numerous times to delete these negative items due to identity theft off my credit report.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, upon reviewing my report, I noted several discrepancies and incomplete information. As per the Fair Credit Reporting Act ( FCRA ), consumer reporting agencies are mandated to maintain the utmost accuracy in consumer reports. However, specific accounts 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 

And according to according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to this law they are suppose to provide me a description of the investigation according to 15 USC 1681i ( 7 ) : ( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description.

But they did not do that as well either.

and according to 15 USC 1681s-2 they are suppose to 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

In accordance with the Fair Credit Reporting act XXXX Account # XXXX..., has violated my rights. 

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

Capital one charged off my account at the beginning of XX/XX/2020 and continued to place negative late payment comments on my credit unt mid XXXX. Please remove all negative comments from my credit as you did not report accurately. Thank you
Product: Checking or savings account

Check # XXXX dated XXXX in the amount of {$1400.00} was cashed and cleared my account on XXXX. Check was to XXXX XXXX XXXX XXXX in XXXX, WI. The check was stolen out of their mail box and cashed thru Wells Fargo Bank NA Minnesota # XXXX. two people signed the back of the and and forged my signature also on the back of the check. Bank First let the check clear my account. I signed an affidavit of Alteration or Other Fraudulent Act form on XXXX. Wells Fargo should have never cashed this check since it was no XXXX XXXX XXXX XXXX  signature on the back. Per Wells Fargo said it is in process. Bank First claim they check on it every week with Wells Fargo. It's been way to long and Wells Fargo or Bank First needs to reimburse my account.
Product: Credit reporting or other personal consumer reports

Thank you for removing fraudulent items from my credit reports. Nevertheless there were still items remained to be removed from my XXXX and Equifax credit reports. The items in question were the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have never had a contract nor account with the following accounts and they are a result of identity theft and or data breach as follows : 1. ) XXXX XXXX XXXX 2. ) XXXX XXXX  3. ) XXXX XXXX  ( XXXX XXXX ) 2 accounts
Product: Credit reporting or other personal consumer reports

I have had two XXXX XXXX accounts haunting my credit report for many years. These accounts are not mine. I never have ever used that bank or card service in my life. 
I called and asked them to verify the debt they werent able to. They said they marked the accounts as fraud and its still showing up negatively on my reports. 
Please remove these accounts and untie my name from them!
Product: Mortgage

Loan # XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX, XXXX, NY XXXX We represent the XXXX, the borrowers/owners of the above referenced property who have been trying to complete a short sale with XXXX for over a year! We are now on our XXXX buyer as we have lost our prior buyers due to the extensive delays by XXXX in processing this request. On XXXX XXXX, 2016 the prior servicer ( XXXX XXXX ) confirmed that the appraisal was done and they would be issuing the approval latter that week. On XXXX/XXXX/16 the loan was transferred to LoanCare, LLC before the approval letter was issued. 
We have called daily for the past 2 weeks trying to get status and are repeatedly told that no one has been assigned to our client 's file. This is the worst case of unresponsiveness and torment by a lender we have ever experienced.
Product: Credit reporting, credit repair services, or other personal consumer reports

Sent Ad Astra a debt validation letter regarding the alleged debt. Agency responded by sending me a bill. A bill is NOT validation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has no live agents accessible to address issues with credit freezes ( or seemingly any matter ). 

I atried to lift my freeze online, which I have done in the past, but instead got an error saying I needed to MAIL IN my request to life a temporary freeze. The company also wanted me to send in all sorts of personal information via mail - multiple copies of bills, social security card, birth certificate, etc. 

called their numbers ( XXXX and XXXX ), but when I went through the automated credit freeze lift process, I again got a message that my request must be made via mail. I tried to go through all the other prompts, but there was no way to speak with a live person. I should note I tried this phone call during normal business hours ( around XXXX ET on a Thursday ). 

I've had no problems regularly lifting my credit freeze from the other bureaus, and have used Experian 's in the past as well, so I'm not sure what's going on. 

Either way, these credit reporting companies who were are FORCED to do business with, should be forced to provide LIVE customer service for those who experience issues.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. My office was broken into and several identity documents were stolen. The following inquiry showed up on my credit report and was not authorized by me and was made without my knowledge or consent. I have attached a copy of the police report. 

XXXX XXXX Date : XX/XX/2016
Product: Debt collection

On XX/XX/2020, I spoke with Southwest Credit Systems XXXX XXXX XXXX about my debt balance of {$420.00} that was originally a debt with XXXX. I explained to them that my information should not have been transferred to them because the debt was with XXXX. However, Southwest Credit Systems agreed to pay for deletion in the amount of {$210.00}. I paid the {$210.00} to settle and have the debt removed but the debt is still listed on my credit report as negative status.
Product: Credit card or prepaid card

A merchant refunded my purchase back to Citi Cards on XX/XX/XXXX in the amount of {$7400.00}. I requested that credit be deposited in my checking account. Citi has verified the sum, does not deny the validity of the credit, yet will NOT transfer this back to me. Numerous requests, status requests, and even closing my account has NOT resulted in an actual transfer to my checking account. They have promised transfer numerous times in 'three days ', in '10 days ', 'tomorrow '. None of their promises have been met, causing me problems.
Product: Credit reporting or other personal consumer reports

XXXX, EXPERIAN, XXXX ARE REPORTING FRAUDULENT INQUIRIES ATTACHED ARE XXXX AND A LIST OF THE FRAUDULENT INQUIRIES
Product: Credit reporting, credit repair services, or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and correct them immediately in my 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 XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/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 XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Mortgage

We are in the process of a short sale and the lender XXXX Wells Fargo XXXX has denied providing us a copy of the appraisal completed on XXXX/XXXX/2015. The lender actually informed us that due to it being an internal report and not for credit we cant receive a copy. They are clearly violating CFPB guidelines that state any means used to determine a property value are to be supplied. This seems to only happen when our value is good and the lender is trying to fraud the seller. We previously received copies on XXXX/XXXX/2015, dated XXXX/XXXX/2015. We sent in a value dispute package on XXXX/XXXX/2015 and the lender requested a new appraisal XXXX/XXXX/2015 completed on XXXX/XXXX/2015 the new value {$55000.00} down from the original appraisal of $ XXXX.Here is the file timeline:XX/XX/XXXX : short sale was XXXX : called spoke to XXXX XXXX Presidential team said they do n't give out copies as they paid for it, desktop value $ XXXX completed XXXX requested copy via XXXX : called spoke to XXXX XXXX XXXX, XXXX requested copy of BPO & fax XXXX : email XXXX XXXX, processor/negotiator requested copy of BPO & sent MLS XXXX : XXXX emailed me the address where to send request copies of Appraisal, fax/mail sent, Counter received at $ XXXX : MLS rebuttal emailed to XXXX XXXX XXXX XXXX Loan Adjustor Spec XXXX XXXX XXXX XXXX Executive Office called stating the appraisal sent via mail on XXXX : mail rcvd desktop appraisal $ XXXX dated XXXX : Value Dispute Package XXXX, XXXX, : email req XXXX : email rcvd XXXX XXXX ( Loan Servicing Specialist XXXX asking for loan # XXXX : email rcvd XXXX XXXX he ordered new XXXX XXXX XXXX XXXX XXXX : 3 faxes sent & mailed Req copies of XXXX : XXXX Executive Offices called copy will be sent out next XXXX : email req update from XXXX XXXX, called WF XXXX XXXX XXXX XXXX left VM XXXX called WF CS spoke to XXXX ID # XXXX transfer me to XXXX XXXX XXXX XXXX full appraisal done & got it back on XXXX came in $ XXXX : email XXXX XXXX update? Called WF spoke to XXXX ID # XXXX resent XXXX : email rcvd/reply XXXX XXXX asked for buyer highest/best I said buyer came up $ XXXX : fax rcvd Ltr SS withdrawal due to not rcvd docs on time by XXXX XXXX in Liquidation Servicing XXXX, emailed XXXX XXXX he said he did n't send withdraw but file is open with him. Need buyer XXXX : XXXX XXXX WF escalations called she is unable to send copy BPO due to it being internal use and not for credit I said per CFPB yes, will file complaint, 3 faxes/mail sent req 2nd copy of BPO XXXX mind you she called me on XXXX & XXXX previously and told me the copies were sent out for desktop appraisal )
Product: Credit reporting or other personal consumer reports

This company kickoff was un reachable with no way to speak with live agent. I sent emails for 5 months requesting that this account be closed, instead they continued to report fraudulent trade lines on my credit report that were fictious. This company is fraud and needs to be stopped immediately.
Product: Debt collection

In XX/XX/XXXX I was contacted by ECMC Loan Rehabilitation Company Contact Info : XXXXXXXXXXXX. 
ECMC Group XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX They stated I still owed on my school loans and if I paid {$25.00} per month for 9 months they would get me out of default and my taxes would no longer be offset. Since I had n't completed my XX/XX/XXXX taxes as of that time I agreed so I could get some money back on my tax payments. 

After paying for a few months I had n't received on statement of my account and I had also requested MULTIPLE times to have a record of all payments made into the loan via my tax offset.They would promise info and never deliver ANY information I requested. 

I received a call on XX/XX/XXXX letting me know I had hit my 9th payment ( total paid {$220.00} ) and now my loans are out of default and now managed by XXXX and they will be taking {$150.00} out of my bank account ever month until XX/XX/XXXX. THIS MADE NO SENSE WHAT SO EVER! I only had a little over {$14000.00} in loans taking on originally - there WAS NO WAY I owed that much. 

So i then called IRS Taxpayer Advocate Service at XXXX - XXXX XXXX XXXX then informed and confirmed that I had my taxes offset to pay the loan debts in XX/XX/XXXX {$4000.00}, XX/XX/XXXX {$6200.00}, XX/XX/XXXX {$5300.00} a total amount of {$15000.00} been garnished by tax Offset payments to the four Stafford loans I took out in XX/XX/XXXX-XX/XX/XXXX or it may have been the XX/XX/XXXX-XX/XX/XXXX School Year at XXXX XXXX XXXX XXXX. 

I have now faxed the XXXX XXXX XXXX XXXX at XXXX and faxed a letter requesting all records of Offset payments and to whom they were paid to, dates and amounts to prove that I have almost paid of ( if not ALL paid ) the loans paid via tax interception. Please help as I do not know what to do and do not want this escalating any further - I will be calling a lawyer as soon as I receive the records of offset payments from my tax returns. 

Contacted XX/XX/XXXX : XXXX XXXX. XXXX XXXX XXXX, PA XXXX XXXX  informed me there was NEVER any payments made to the loans as far as they could tell and that I owed the full loan amounts - Denied any record of tax interception or offset payments made to the loan - I let them know that I had contact the IRS and have confirmed the loans have been 95 % paid if not 100 % paid through tax offset payments starting for XX/XX/XXXX to XX/XX/XXXX. They denied any claim to the loan having been paid at all. Please HELP!!!
Product: Debt collection

Did not provide account number. This company is collecting debt for other companies that I am unfamiliar with.
Product: Checking or savings account

My paycheck and my saving account funds are not accessible at Capital one. I am suffering. I have no way to get in contact with them. They don't answer phone after hours of holding. 

Can you help. This is just bad!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

On my credit report for my payments made for my Discover credit card in ( XXXX 2017 it is coded as ND no data ) And it is showing up on my credit report as no data. I have had the credit card that was opened up in XXXX 2017 with payments made on time from XXXX, XXXX, XXXX 2017.
They are reporting ND- No data for the month of XXXX 2017 for my discover credit card.
Product: Credit reporting, credit repair services, or other personal consumer reports

Several Inquiries on credit reports from XXXX and XX/XX/ 2021 after credit freeze and fraud alert placed in XXXX of 2021
Product: Student loan

On fixed income ( SSI ) sent in payments when due, received notices, and phone calls requesting more money due to late payments. They would not allow me to lower repayment amount nor alter my repayment date.
Product: Credit reporting or other personal consumer reports

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.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. 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 a 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 ) ( a ) 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. 


Delete the accounts below : XXXX  - XX/XX/year>
Product: Debt collection

I checked my credit score and found out I have XXXX accounts and some of them are right off and some are in good standings and I have collections on there and I calld XXXX  and they told me that I have to get a police report and send it to them
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I was reviewing my credit reports. Experian, XXXX and XXXX. 

I noticed that on XX/XX/XXXX there was a hard inquiry on my credit reports from XXXX XXXX XXXX XXXX XXXX, OH XXXX. I knew that I did not have nor did I attempt to obtain any creditcard from XXXX. 

I called XXXX at XXXX and spoke to them two times which is their fraud department. The fraud department checked my concern about someone applying for credit against my name, first and last name, date of birth, social security number and each time could not find any attempt to obtain credit with that information or any active account. 

I explained to them that the acocunt was listed on my credit reports, experian, XXXX and XXXX  XX/XX/XXXX. The Fraud department stated they can't report to have it removed from my credit report because they do not show any active account or any attempt that I have even tried to apply for credit via my social security number, date of birth, first name last name, etc. 

I then called the credit reporting agency XXXX who states that ikea need to tell them to remove it they just can't remove something. I explained to them what XXXX services said then the guy told me I have to file an FTC report so they can remove it from my credit report. 

I just want all of my credit reports updated to have this hard inquiry removed asap! ~
Product: Checking or savings account

After receiving a promotional offer from Citibank on their web site ( I was an existing credit card customer ), I opened a Miles Ahead Savings Account # XXXX. Instead of paying interest, the account would give XXXX XXXX XXXX  XXXX Points if the following terms were met : 1. Enroll between XX/XX/XXXX and XX/XX/XXXX ; 2. Must keep the account open to receive the miles- which would be paid within 90 days of fulfilling the terms ; 3. Must meet the minimum balance requirement within 90 days of opening ; 4. Must maintain that minimum balance for 60 days ; 5. Funds must be new to Citibank ; 6. Minimum balances and their rewards are : a. Up to $ XXXX XXXXXXXX frequent flyer miles b. $ XXXX $ XXXX XXXX frequent flyer miles c. {$200000.00} and XXXX XXXX frequent flyer miles 7. In addition, if {$10000.00} is maintained in the savings account, you would received a 25 % bonus for all miles earned on the Citibank XXXX XXXX XXXX. 

I fulfilled all the requirements, including : 1. Opened the account on XX/XX/XXXX. At that time I received an electronic Terms and Conditions XXXX Citi Miles Ahead Offer ; 2. Deposited {$50000.00} in the account on XX/XX/XXXX ; 3. Maintained a balance in excess of {$50000.00} through XX/XX/XXXX ( 103 days ) ; 4. All funds were new to Citibank. 

To date I have not received the XXXX miles for maintaining a balance over {$50000.00}, nor the 25 % miles bonus on credit card purchases for maintaining a balance over {$10000.00}. I brought this to the Bank 's attention in online chats in XXXX and XX/XX/XXXX. In both of those chats I was told that I met the requirements of the offer and that the miles bonus should be paid soon. In response to my last chat, I received a letter from Citibank saying that they had no record of any promotion offer made to me. This is directly contradicted by the Terms and Conditions offered to me when the account was opened.
Product: Debt collection

I was not aware of the outstanding collection and thus, I attempted to contact the company regarding my bills. Unfortunately, I did not receive any explanation from their end regarding the claim. Nonetheless, I have reached out to the company on multiple occasions to address this issue. 


CREDIT COLLECTION SERVICE Balance owed {$300.00} Balance updated XX/XX/2024 " I want the following collection to be removed from. '' XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX