23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Citizens Bank has been non-responsive to significantly large errors estimating property tax escrow on our new home loan. We have received 3 different notices from Citizens with 3 different amounts about our monthly mortgage loan payment as well as different information about whether our loan is a non-escrow loan or an escrow loan. Citizens Bank is using an annual tax amount of {$6400.00} ( escrow of {$530.00} per month ). This amount is wrong and more than twice as much as it ought to be. 

Our home is in an unincorporated rural area outside the city limits of XXXX, NC. It is subject to XXXX XXXX taxes only. The XXXX XXXX tax rate for XXXX XXXX ( XX/XX/XXXX to XX/XX/XXXX ) is 0.4850 ( XXXX cents per {$100.00} value ) and the XXXX tax rate is not yet determined. XXXX XXXX just completed a countywide revaluation which will likely mean a lower XXXX tax rate. But, assuming the XXXX XXXX XXXX tax rate remains unchanged, then the XXXX property tax on our home would be the assessed value of {$630000.00} times the tax rate of .00485 or {$3000.00} ( Please see attachments ). 

Citizens Bank is collecting {$530.00} per month for tax escrow when the monthly amount ought to be {$250.00}. This is grossly unfair to me and is putting an unnecessary burden on my family finances. 

I have placed numerous phone calls with Citizens Bank 's tax and escrow departments, as well as with the loan originator and loan processor. They all say there is nothing they can do and point to another department or each other and try to deflect the problem at someone else. 

I sent a certified letter to XXXX XXXX XXXX XXXX, Chairman & Chief Executive Officer of Citizens Bank in Rhode Island which he received Monday, XX/XX/XXXX. NO RESPONSE!
Product: Payday loan, title loan, or personal loan

I applied for a PPP Loan through XXXX on XX/XX/XXXX. On XX/XX/XXXX I received the paperwork to sign for the loan. On XX/XX/XXXX Benworth said they officially funded the loan and sent the funds to my bank account. According to the info I can find, I should have received it by now if they already sent it. The issue is that I haven't, and Benworth has NO way of contacting them. I've tried to contact them over the course of the last 8 days with questions in regards to the process, and they say they'll respond within 2 business days however, I haven't received a response not once. 

Their phone numbers all say the line is busy and you can't get through. I got a phone number and an email from the XXXX themselves and no response. They already have my information, the XXXX says they already dispersed the loan to Benworth which makes me officially on the hook for it, but Benworth has not sent it and, again, I have no way of contacting them. Which means that if I can't contact them, ppl who have mortgage loans/etc can't contact them either which creates a HUGE problem. Any assistance would be appreciated.
Product: Debt collection

I do not owe this company a debt. I have no contract with them, have received no goods or services from them that would have me owe them any sum of money. When I reach out to them all they do is continuously ask me to confirm my information. They can not give me any documentation that would show that I owe their company money.
Product: Credit card or prepaid card

Currently I have has a business account with Wells Fargo for an LLC since XXXX. This has a business credit card with a credit line of {$25000.00}. All balances have been paid in full monthly since this account was opened. Opened a second LLC partnership in XXXX, XXXX. A second business account was opened at Wells Fargo. A business card application was submitted and denied credit on XX/XX/XXXX. A credit line was requested for {$50000.00}. A complaint was lodged with no success and intervention by local bank manager. Even approving {$25000.00} would have worked. No interface with their credit card department only clerk level as their system is designed. Denial reason was, " your business has not been established long enough to meet program requirements ''. Very interesting with a XXXX credit score and assets of over {>= $1,000,000} and NO debt. Also noteworthy is I'm a XXXX veteran, XXXX XXXX XXXX and my partner is an XXXX. I know many others who have easily gotten such a credit card. Additionally, my treatment changed after I made numerous complaints XXXX timeframe about Wells Fargo regarding denial of a PPP loan which was in contravention of the legislation. With Congressional help, this was approved another bank quickly. No admission of wrongdoing was forth coming by Wells Fargo Senior level executives. Actually got 6 denial letters from them. The scenario has all the appearance of flagrant discrimination by Wells Fargo and I want this investigated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Debt collection

Repeated robocalls, almost daily, from mercantile adjustment bureau. The calls do not identify who is in collections or what the debt is for. It tells me to call a number with a passcode. I suspect the call is a scam and it will not stop.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I recently reviewed a copy of my credit report and noticed unrecognized and unauthorized inquiries.
Product: Debt collection

Ive already contacted the creditor and updated my information they do not have that information on file can you please remove it in accordance with the Fair Credit Reporting Act, 15 USC Section 1681i. Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates 15 USC 1681b states this,
Product: Debt collection

In XXXX the XXXX XXXX XXXX XXXX Office of Finance sent to me a notice claiming that I owed a business tax on income generated in XXXX and XXXX. This is impossible, as I was involved in a tax-exempt activity ( creative writing ) recognized by the XXXX of XXXX XXXX as a tax-exempt activity. I also qualified for the small business exemption, though I never had a business. Furthermore, I was exempt in that I never generated enough income to qualify for the business tax. Since this time, the XXXX of XXXX XXXX has sent this erroneous debt to several debt collection companies, all of whom have been unable to verify the debt, and have dropped it. Yet the collection companies keep coming after me. Municipal Services Bureau ( MSB ) viciously harassed me and tried to force payment on this erroneous debt back in XXXX XXXX. After addressing the matter with my attorney they dropped the debt. Now they are coming after me again. They have sent to me a bill from the XXXX of XXXX XXXX and claimed that this is verification. An erroneous bill is not verification of a debt. There is no debt. To state it clearly, NO TAX WAS EVER OWED, AS I QUALIFIED FOR XXXX DISTINCT EXEMPTIONS. Collecting on this debt is an act of fraud, negligence and incompetence on the part of collectors and the XXXX XXXX XXXX XXXX Office of Finance. Municipal Services Bureau is engaging in debt collection harassment. I strongly suggest that the FTC investigate MSB and the XXXX XXXX XXXX XXXX Office of Finance. I will never pay this erroneous debt.
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. 

Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account XXXX Account Name : XXXX : Account XXXX Account Name : XXXX XXXX XXXX : Account XXXX Account Name : XXXX XXXX XXXX : Account XXXX Account Name : XXXX XXXX XXXX : Account XXXX Account Name : XXXX XXXX XXXX  : Account XXXX Account Name : XXXX XXXX XXXX : Account XXXX Account Name : XXXXXXXX XXXX XXXXXXXX XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XX/XX/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 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 ) ( 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: Student loan

My loan debt is zero. I 've received all letters stating this and I 'm out of default status. I 'm beginning college at University XXXX next week and this negative impact on my financial aid is Ludacris. I have proof all loans are not default or have a balance. They harass with calls even though I owe nothing I 'm going to sue if I have to. I want that negative impact information removed asap my credit is suffering because of these greedy collection agencies and I wo n't stand for it.
Product: Credit reporting

I applied for a loan to purchase a new vehicle. I was turned down because of my credit score. The bank said I had a score of XXXX from Transunion, XXXX XXXX showed I had a score of XXXX. I called Transunion and they said XXXX was incorrect. So I payed Transunion for my correct score which I received XXXX from Transunion on XXXX/XXXX/15. So with this score I tried to purchase a new vehicle again XXXX weeks later. And Transunion sent XXXX XXXX a score of XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX. Needless to say I was denied credit again! So Transunion sent me with a false hope! I 'm sure banks keep this on file! This must give me the right to file a law suite ! Right! Unless their protected by our great Government!!! Why are there XXXX different scoring methods for credit bureaus? Fico, Banks, Consumers, XXXX XXXX. This is not right! There should be XXXX score for everyone. These credit bureaus suck! Maybe there should be a law that before any credit bureau files any information they should have to contact the person FIRST and make sure its accurate.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concern regards Zelle handling and disputes particularly in the light of recent cfbp lawsuit highlighting recent issues with the platform. Despite using Zelle many times and reporting discrepancies. My financial institution and Zelle failed to investigate my claims adequately. They informed me recovering loss funds was impossible and that tracking this transaction was impossible the cfpb finding indicate that Zelle not only neglected the consumers but has allowed repeated offenders to exploit the system leaving users vulnerable to scams.
Product: Checking or savings account

I filed a fraud claim in XX/XX/XXXX with navy federal it had been credited then reversed due to a fraudulent check. I did not know that charges where put on my card when I found out I disputed them. I have sent them proof of the charges not being done by me or any family member. Ive also sent proof that the information they had given me had been false yet Ive been ignored for months. I filed four complaints through the cfpb two were the same description one was different and the other was a completely different subject referencing a recant to my first statement due to an error on my behalf. All four responses from navy federal where the exact same despite the claims being different but all dismissed me. I was told I could contact the lead in security XXXX XXXX. I contacted him he said he would have my case looked at in detail especially my recant and proof sent and I would be contacted. I still months later have not been informed of anything. I was sent one letter I requested in XX/XX/XXXX that had false information on it and nothing else. They have not replaced my lost debit card. They will not close the account. And the only information I can get from them is them saying oh well dont know what to tell you. So pretty much doing nothing for there customers. Its been four months and over forty phone calls some lasting hours but still no correspondence. My access number is not active. I even had a insurance claim filed and a police report and after the research they conducted it was found to be a fraudulent charge.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX {$5900.00} XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX {$12000.00} XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX {$270.00} XX/XX/XXXX
Product: Credit card or prepaid card

Account opened XX/XX/XXXX. Beginning XX/XX/XXXX Fortiva began charging a monthly account maintenance fee of {$12.00}. Customer service couldn't explain how that fee is calculated, but stated it was for : online account access, credit limit increases, security measures and the ability to use the card internationally. 
I had to do an online search for the pricing disclosure, that is referenced 12 times in the credit card agreement, as being accompanying the agreement, but is/was not. 
The Pricing Disclosure ( not found on my login access page. Needed to perform an internet search to locate ) does state that a monthly maintenance fee is billed at a rate of {$60.00} to {$150.00} annually and billed monthly at a rate of {$5.00} to {$12.00}, but does not indicate how that fee is calculated. Placing a call to customer service did not resolve the issue of where/how it was disclosed in regard to the calculation of the monthly fee, in addition to the annual card fee.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance to the Fair Credit Reporting act. The list of accounts below has violated privacy and confidentiality under XXXX XXXX XXXX. 
XXXX XXXX XXXX acct XXXX XXXX XXXX  XXXX XXXX XXXX acct XXXX XXXX XXXX XXXX XXXX XXXX XXXX acct # XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1681 Section 602 ( A ) States I have right to privacy. It also states the consumer reporting agencies can not furnish an account without my written consent. In section 604 section 2 15 USC 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 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 cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXXXXXX XXXXXXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$620.00} XXXX XXXXXXXX XXXX XXXXXXXX Balance Owed : {$1100.00} 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

Wells Fargo XXXX XXXX XXXX has not reported to credit bureaus for 90 days. I have three accounts that show deliquent that are actually current. I have attempted to resolve this with WF XXXX several times and was told it was fixed and is current. I had a hard pull on my credit report to attempt to get financed for a home loan and was denied because of these false claims that my account is delinquent. I was advised by the mortgage lender to file a complaint if WF XXXX could not repair the credit report immediately. I was told by WF XXXX that someone will be contacting me within ten business days. Meanwhile, the home I was going to buy is under contract with another purchaser, I am on the hook for {$240.00} for attempting to have a Rapid report performed on my credit, which should reflect the changes I was told had been made. I also damaged my credit even further having a useless hard pull on my credit.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against CashApp ( Block , Inc ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, CashApp ( Block , Inc ) failed to take timely and effective measures to prevent and address fraud on their platform leaving my account vulnerable and unprotected. Furthermore their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Debt collection

I am writing to inform you I have been a victim of identity theft/fraud and many of my accounts were compromised without my consent. Someone form your company Carter Young Inc. acc # XXXX contacted me about a alleged debt that showed up on my XXXX credit report. Date XX/XX/XXXX amount XXXX . I sent a certified affidavit to XXXX and the company Carter-Young Inc, disputing the alleged debt. I did not authorize the account, and on my credit report says " JOINT '' account and I did not have a contract with the company Carter Young Inc. As stated above I have been a victim of identity theft. I also provided proof with a police report and didn't get a response from the company. I am requesting that the following account be removed immediately from my credit report.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX Please note that this is not a refusal to pay off the account but a notice sent as per the Fair Debt Collection Practices Act ( F.D.C.P.A. ), 15 U.S.C 1681e ( b ) 15 U.S.C. 1692 ( G ) Section 809 ( B ). This notice states that your claim is disputed and validation of the account is required.

This notice is not a request for verification of the account or proof of my mailing address but a request for validation made pursuant to the F.D.C.P.A. laws. I humbly request that your agency/ office sends me valid proof of claim that I am legally obligated to pay you.

Please provide me with the below mentioned items : *1099c Request * The amount you claim the Respondent owes you * An explanation showing me how you have computed the amount.

* Copies of any documents that prove I agreed to pay the alleged amount * The identity of the original creditor * Confirmation that the account has not crossed the statute of limitation ( SOL ) period * Evidence that you are a licensed debt collector * Evidence of your license numbers and your registered agent.
Product: Mortgage

I did a refinance in XX/XX/XXXX, To make the complaint bluntly clear i was mislead and given incorrect information by rocket mortgage to get a deal done. Also, I asked about other product or programs, they advised me that this was my only option. Only to find out this was not my only option, there was other options but they just picked 1 for me. I specifically asked for all options and was lied to. I have contacted them on numerous times and have been blown off, stating the deal is done nothing can be done. This is just the craziest situation I have ever been in. I believe they looked at my credit score and see that i pay my bills and seen that i was a easy deal to push through. I did a previous transaction with them, smooth as pie. So with that being said i really trusted the company only to find out my mortgage would not go down. I literally went from XXXX per month to XXXX thinking my mortgage would be going down in 3 months and that did not happen. I ask them to do something about it, all they could tell me was the deal is done but you can refinance again to get it down. I'm like wait huh!!!! NO! I don't know if this is a tactic that they use for business but they are making money off telling customers lies and its not fair. I'm sitting here scrapping XXXX  to pay this mortgage I thought would be another amount. I'm really upset, and i don't know what to do but i need help with this situation before i end up losing my house over the company taking advantage of me. This is not a game to me, their a bank it might be something small, but this is me and my children 's life that is at stake and where we live. I been in this home since XXXX brought for XXXX now i owe rocket mortgage XXXX. Might sound like XXXX  but over 30 year period it adds up with interest and for a company to take advantage this is top tier and issue. I'm thinking how many others have had this issue, are they just doing this to XXXX XXXX  with could credit that might not fully understand all the plans/ programs that are available. Its not right someone please help me i truly need it. 

Thanks
Product: Debt collection

I accidentally drove through the XXXX on the PA turnpike. They billed me for the full length of the turnpike. I called Nd told them I still had the ticket. The woman instructed me to mail in the ticket with a money order for XXXX . I did this XX/XX/XXXX. I know this because I have a photograph of all of the paperwork before I sealed it and dropped it in the mailbox. XXXX, I recieved a notice from a collection agency for XXXX . For failure to pay the pa tp. I called XXXX to see if the money order had been cashed, it had not. I honestly do n't know what to do at this point. I 've spent years trying to fix my credit. I feel powerless.