23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

The mortgage company failed properly calculate the value of my property taxes. 

The mortgage company failed to put enough escrow aside. So they ended up making a lump sum payment which also includes fees. Therefore I crease my monthly payment by {$700.00} This is outrageous. 
Increasing someone monthly payment due to the failure of properly assessing my escrow account t is not my fault. 

I can not afford an I create mortgage of this amount. 

I have been making monthly payments each month. On time since having this mortgage. Now with the Iincrease of {$690.00} due to them having to pay property taxes owed .. because they failed to assist the taxes and they paid late. Is not fair. 

My mortgage monthly escrow before was {$410.00}. 
Which was due to {$1000.00} in insurance and {$3900.00} in my homes annual taxes. Making mortgage {$2600.00} My monthly escrow should be now {$470.00} max ( since I change my insurance ( {$1700.00} for Insurance and {$3900.00} in taxes ) Instead of my mortgage monthly escrow being XXXX the mortgage company says my monthly escrow is {$690.00}. This is not accurate. And also not fair to even charge me late fees and interest due to them failing to pay the county ontime. 

Please help me get resolved as this is outrageous and not fair to increase ones mortgage for no fault of my own. 

*** fair solution is to have my monthly mortgage be accurate. To reflect escrow of XXXX ( based on {$3900.00} of annual taxes and {$1700.00} for insurance ) which mortgage should be instead of {$2600.00}. Should be {$2700.00} as the ONLY thing I changed was my insurance. Property taxes has always been the same to date.
Product: Credit reporting, credit repair services, or other personal consumer reports

N accordance with the fair Credit reporting act XXXX  account # XXXX, has violated my rights 15 u.s.c. 1681section 602 A. States that I have the right to privacy. 15 u.s.c. Section 604 A section 2 It also states a consumer reporting agency Can not furnish A account without my written instructions XXXX XXXX, us department of education
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/22 I sent an identity theft report, via certified mail, that was received. This mail included a copy of my driver 's license, social security card, and a utility bill to Transunion XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX because I am a victim of aggravated identity theft. According to 15 USC 1681c-2 ( a ) a consumer reporting agency must block the reporting of any information in the file of a consumer that identifies as information that resulted from an alleged identity theft, not later than four business days after the date of receipt by such agency. 
They, the credit bureaus, failed to block and remove all the accounts on the FTC Identity Theft Report. 
Transunion and XXXX are also in violation of 18 USC 1028A for aggravated Identity Theft for furnishing these alleged public records/XXXX XXXX XXXX  and accounts.My credit report is still reporting XXXX XXXX XXXX XXXX XXXXXXXX. 
This has caused me tremendous XXXX XXXX, and financial hardship.
Product: Credit reporting or other personal consumer reports

I am writing to delete the following information from my credit report. The information that I demand to be deleted is attached with this affidavit. I XXXX XXXX XXXX XXXX XXXX XXXX XXXX did not make the charge. I demand that the items be deleted to correct my consumer credit report. I reported this theft to the Federal Trade Commission. I have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete these items as soon as possible.
Product: Debt collection

Midwest recovery systems is reporting a pay day loan that is was never mine. I have received phone calls that are breaking the law and threatening. I reported to the federal trade commission. I want this removed immediately!!!!!!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reporting a collection on my credit report and fails to provide validation or verification d the debt of the sent as they are listing the account as a collection account. According to Transunion, XXXX and XXXX, this alleged debt has been verified. How did they verify the debt if the company has provided that information.
Product: Credit reporting or other personal consumer reports

hard inquiries that I didn't realized : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I am XXXX XXXX XXXX XXXX a XXXX in the private sector and XXXX at the XXXX in XXXX XXXX California. I am a XXXX for the XXXX. Six years ago I asked both the Bank of America and XXXX XXXX for a loan to finance XXXX XXXX to help with the Affordable Care Act. Both banks denied the loan several times. We asked these banks because we have accounts with them and the Bank of America held the mortgage until they sold it to XXXX. In 2014 we obtained a Mortgage Modification and now have a subordinate loan to HUD for XXXX. The Bank of America broke the law by hiding our monthly payments and giving false information to the Credit Bureau. They put the lien on our property and made it impossible for us to use the equity in our home to get a loan. I need urgent help to survive this injustice initiated by the Bank of America and now continued by HUD.
Product: Student loan

I am writing to formally request the discharge of all of my student loans held by XXXX  due to the company 's deceptive practices, misrepresentation, and failure to provide proper guidance regarding my loan repayment options. I was misled and for this reason, I have encountered debt and a hardship. 
I am suffering with a financial burden and would like to have all my XXXX  loans forgiven. 

XXXX has a history of this type of behavior and has repeatedly encouraged me to enter forbearance. 
Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

The following verbiage has been sent on multiple occasions. Every time they come back that they have the right to keep the account on my report even though they have NO SIGNATURE, NO VIDEO SURVEILANCE, NO PHONE CALL proving it was me who applied for or maintained an account with them. Furthermore, they have corresponded " WE DONT HAVE AN ORIGINAL CONTRACT OR PROOF OF YOUR SIGNATURE ON FILE ''. Note, under FCRA, statement are not proof this account is mine. Therefore, I want to know, how are they VERIFYING and VALIDATING, this account is mine? They can not, they have not, and I want it immediately removed from my bureau reports and all collections deleted as well as well as any hard inquiries. KNOW WHO YOURE GIVING CREDIT TO. You DO NOT have proof of signature to prove this is my account. 

Under the FCRA, " if you can not prove 100 % that this is my account you must remove it! '' In addition, you owe me {$1000.00} per offense. 

FCRA, section 623
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax continues to report fradugelent information on my credit report after I have provided with proof of a police report & identity theft report that these accounts do not belong to me. I have no knowledge of these account or give anyone permission to open these accounts in my name. The following accounts XXXX Servicing, XXXX ( listed two times ), XXXX, XXXX XXXX, XXXX   do not belong to me. They are also reporting names that I told them are incorrect. My name is XXXX XXXX that is how my name should be on my credit repport. I have never lived at XXXX XXXX XXXX XXXX, XXXX, SC, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX or XXXX XXXX  XXXX XXXX XXXX These inquires that are being report I never gave anyone permission to access my credit or review it for the following companies 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 reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the XXXX credit bureaus on XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
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

There are accounts on my credit that do not belong to me and I've tried to get them taken off but have had no luck
Product: Debt collection

Southwest Credit Systems is reporting a collection account on my credit report that was previously assigned to XXXX XXXX and was deleted. Then, I get an alert on my credit report that SWC reported this account with an open date of XX/XX/XXXX. How is that possible? Now it says this account wo n't be deleted from my credit report until XX/XX/XXXX, which means they extended the statute of limitations and should not be allowed. They are in clear violation of the Fair Credit Reporting Act. I even tried to file a complaint against them with the XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I contacted Equifax about the following negative accounts XXXX XXXX  ( Date Opened : XX/XX/XXXX, Balance {$0.00} ), XXXX XXXX XXXX XXXX, Balance {$0.00} )XXXX XXXX XXXX  ( Date XXXX XXXX XX/XX/XXXX Balance {$0.00} ), XXXX XXXX XXXX ( XXXX XXXX XXXX XX/XX/XXXX, Balance {$0.00} ), XXXX XXXX  ( Date XXXX XXXX XX/XX/XXXX, Balance {$100.00} ), XXXX  ( Date Opened XXXX XX/XX/XXXX XXXX Balance {$0.00} ), XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX Balance {$280.00} ). Its been over 45 days and Equifax havent respond to my request as they are required to by the Federal Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

In accordance with the fire credit reporting act. The list of accounts have violated my federally protected consumer rights to privacy and confidentiality under 15 u.s.c 1681 XXXX XXXX bankruptcy 15. U s.c. 1691 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 a account without my written consent or instructions.

15 u.s.c. 1681 a ( 5 ) section states : No consumer reporting agency may make any consumer report containing any of the following items of information in any adverse item of information, other than records of convictions of crime which atedces the report by more than 7 years.

U.s.c. 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information relating a consumer to any consumer reporting agency if the person knows of his responsible cause to believe that the information is inaccurate.
Product: Vehicle loan or lease

I called Toyota Financial and explained in XX/XX/XXXX that I could not pay my monthly payment for a leased vehicle due to I contracted XXXX XXXXI asked for help to prevent them from repossessing the vehicle, and Toyota Financial did nothing to help me.I was going through a financial hardship due to the XXXX. I could not work because I was in quarintine. I made a payment to try to stop the process.Toyota financial said they tried to contact by mail, I never recieved any mail from Toyota Financial, and I called them and there response was that they did not care if it was sent and never made it to my home address.Then XX/XX/XXXX the vehicle was repossessed without my consent .When I woke up the vehicle was gone from my driveway.I thought someone stole the vehicle so I called the local police department, that is when I found out the vehicle was repossessed.I have been battling with the after affects of XXXX which has decreased my income.I spent {$1200.00} that I did not have to spare to retreive the vehicle that was repossessed.I tried 4 times to speak with a Supervisor from Toyota Financial and they have never returned my call.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing with the bureaus since XX/XX/2020, some inquiries that I never approved of, and obviously did not obtain credit for. The bureaus did not delete the inquiries, nor did they respond within the 30-day timeframe that they are supposed to respond in. On XX/XX/2020 I decided to give the bureaus another chance and sent another letter to each of them, demanding they delete the inquiries that I did not authorize. It is now XX/XX/2020 and I still have not received any correspondence from any of the bureaus on the status of my request. No investigation was undertaken, no verification was made, and no response was sent. I have a legal right to all these things and the bureaus have a legal responsibility to respond to my disputes.
Product: Debt collection

My wife and I have a Sears credit card issued by Citibank, my wife is the main user on the account. We purchased a washer and dryer on an interest free finance option over 1 year and paid it off ahead of time. The minute we paid off the Sears balance, Citibank started calling our home phone number claiming I owed them money. 

We have told them many times we do n't owe them anything and asked them to not call our house again to no avail. I went to a local branch of Citibank and explained the situation and a representative from the bank told me they do n't handle Sears accounts but called the number Sears gave me to call while I was there. I spoke with a person by the name of XXXX, who would n't give me her last name ; I gave her the last XXXX digits of my social security number and she verified I do n't owe them anything, that the information they had was for another person and they would remove my home phone number from their calling list. 

They have continued calling me on daily basis, sometimes several times a day. They have been told over and over to not call again but they choose to not believe us and continue calling. I have excellent credit and I am a responsible person. The people calling speak XXXX. Their most recent call was at XXXX XXXX this morning, XXXX/XXXX/15 from XXXX, they call every day of the week at all times, sometimes they call from numbers not identified as Citibank. My wife answered the phone this morning and advised the woman calling, who did not identify herself, to not call our house again, that I had gone to the local branch of Citibank and contacted them to clear this, that they are calling the wrong person and we were going to report them. She said she would remove our number from their calling list, hopefully there will be an end to their calls.
Product: Credit card

chase closed my credit card account which had XXXX balance without notifying me. i had accumulated {$150.00} dollars in credits which were forfeited upon closure.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of Identity theft. I have enclosed my ID and Identity theft report proving it is in fact me that submitted this dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that there is inaccurate information was erroneous. The Equifax credit bureau must validate the account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate the reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct from erroneous reporting in my file is listed on my credit report : XXXX XXXX XXXX XXXX Balance : {$650.00}
Product: Credit reporting or other personal consumer reports

Here is the list of fraudulent inquiries : 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: Credit reporting, credit repair services, or other personal consumer reports

Ive sent out numerous disputes to Transunion and XXXX - XXXX XXXX Services about this Bankruptcy on my credit file. I also sent them the letter from the United States Bankruptcy Court included attached to this complaint to your company.
Product: Credit reporting or other personal consumer reports

This is my several endeavors 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, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance {$XXXX} XXXX XXXX XXXX Balance {$XXXX} XXXX XXXX XXXX XXXX XXXX XXXX  Balance {$XXXX} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$XXXX} XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Mortgage

XXXX years I 've been in my house, always paid mortgage on time. Few yrs back got caught up in the remortgage scam and now I 'm under water ca n't get help anywhere. Back in XX/XX/XXXX I applied for a loan modification, the one currently in place was expiring in XX/XX/XXXX. It is now XX/XX/XXXX and they have been stringing me along all this time so that my mortgage payment can go back up to the higher amount. I have done everything they 've asked of me several times just for them to come back 3 weeks later and tell me they need some thing else. The something else is always the same thing I have been sending since XX/XX/XXXX. I have a XXXX % rate, a single person working XXXX jobs to try and stay in my home and they are giving me the business. The company that started this was XXXX financial co. They sold my mortgage to a new company called sps Select Portfolio Sevicing, inc. They bite the big one. I have sent them so much that whenever b I call it takes them forever to go threw it for them to tell me they have everything b they need. Then 2 to 3 b weeks later they send me a letter telling me they need something else. This has been going on since XX/XX/XXXX. Now the higher amount is in play, I refuse to pay it.
Product: Credit reporting or other personal consumer reports

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to the Credit Bureaus requesting to remove the items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ), the Credit Bureaus are required to remove any itrms or information not later than 4 business days. I request an investigation and remove these items that appears in my credit report. Listed below are the items that i wanted to removed : XXXX XXXX XXXXV XXXX XXXX, LA XXXX ; XXXX XXXX XXXX XXXX  XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX, LA XXXX ; XXXX XXXX XXXX  XXXX, GA XXXX XXXX XXXX XXXX Balance : {$4000.00} ; XXXX XXXX XXXX XXXX Balance XXXX {$0.00} ; XXXX  XXXX XXXX Balance : {$660.00} ; XXXX XXXX XXXX XXXX XXXX : {$13000.00} ; XXXX XXXX XXXX  XXXX XXXX : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$450.00} ; XXXX XXXX XXXX XXXX Balance : {$570.00} ; XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/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.
Product: Debt collection

National credit systems inc. Based out of XXXX Ga. Has stated, and put on my credit report that I owe XXXX for breaking a lease at XXXX  XXXX XXXX XXXX XXXX apartments XXXX. The problem with that is ... I never lived there.. My son lived there.. He is a XXXX. I've tried to resolve this with National credit systems on several occasions. They know that they can not produce a contract signed by me with this apartment complex, so they keep dodging and side stepping, in hopes that I will pay them to go away. Here 's the kicker.. They were on my son 's credit report as well.. I don't know how they got my ssn. But they did.
Product: Credit reporting, credit repair services, or other personal consumer reports

in REF : to XXXX XXXX XXXX XX/XX/XXXX : I always every month paid my card payment the day I received it in the mail, and made payments of XXXX, XXXX, XXXX, XXXX each month, I only owed them {$1200.00},, I said why doesn't this card ever go down? also, I have several fraud charges which I told them about one is for XXXX XXXX for {$690.00} They took the charge off in XX/XX/2018, then sneakily, put it back on my account in XX/XX/2018. I said I'm sorry but you only have 30 days to do an investigation. So, This is breaking the law. Then there were several more fraudulent charges which you will see on the documents im submitting, anyway, I'm elderly with a XXXX XX/XX/XXXX, and can not work anymore. So, I live in the red in XX/XX/XXXX and my son was XX/XX/XXXX XX/XX/XXXX by aXX/XX/XXXX, so I received a small death benefit for his death. So, I had the ability to get a small mortgage and to buy a condo on XX/XX/XXXX. I go to Contract on the perfect condo, in the middle of that XXXX XXXX XX/XX/XXXX reports that I haven't made payments to them in a yr, which lowered my credit score into the XXXX range, now the Mortgage company ( XXXX XXXX, XXXX  XXXX  ) said they can not go forward with the mortgage unless my credit score goes back up. I have been on the phone with XXXX XXXX back day and night for 1 week, my Bank was on the phone with them for 3 hrs. and finally confirmed that they couldn't account for any of my electronic payments. At the end of that conversation XXXX XXXX XXXX XX/XX/XXXX ( my Bank andXX/XX/XXXX confirmed all my payments ) but XX/XX/XXXX is stating it will take up to 90 days to report it to my credit bureaus, I am so furious, it actually made me physically sick, my XXXX and head were killing me for several days. They owe me over {$3000.00}, in overpayments as well as the interests and fraud and missed payments charges. Ridiculous charges. I have all the proof and I will upload all pages from the bank, conversation with the bank, etc. When I would report fraud all they would do is send me a new card never took off anything. The last card they sent me i never activated because, I feel they are stealing my money and they are located in XXXX, even though they say they are in XXXX XXXX, XX/XX/XXXX. I told them i don't want your XXXX card I want the money you owe me as well as fraud charges on my cards, as well as all interest, non payment fees etc. 
Thank you XXXX XXXX