23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Hello, I have a loan account with NEWREZ LLC c/o SHELLPOINT MORTGAGE SERVICING with account number XXXX for property address : XXXX XXXX XXXX XXXX XXXX XXXXXXXX GA XXXX I noticed that there have been high escrow charges collected on the account for last couple of years and made a complaint on the same an year ago. There was not any resolution despite of me contacting them multiple times. When I contacted the provider recently, I came to know that they are paying taxes for an address that is not on loan file from XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX. These are XXXX XXXX XXXX The original parcel that my property is located is from XXXX XXXX is XXXX. I am really shocked and wondering why a mortgage company would pay taxes for an address that is not on file. When asked the same, they have no answer. Request you to investigate this issue and kindly compensate all the additional payments made to the tax collector ( XXXX XXXX ) for the last 2 years along with additional compensation for all the inconvenience
Product: Checking or savings account

I have been battling with BofA for months. My entire wallet was stolen from my gym, XXXX XXXX XXXX, in XX/XX/XXXX. I reported this to the police and notified BofA requesting they close the account and lock both of my credit and debit card. However, my request fell through the cracks and the thief was about to make over {$3400.00} in debit and & XXXX in credit. I disputed all transactions from XXXX and the only transactions that were awarded in my favor were the credit card claim transactions. The financial institution is claiming that I or an authorized user made these purchases on my debit card, no one is authorized to use my debit card and my card was stolen, no longer in my possession after XX/XX/XXXX. There are identical purchases on both the BofA debit and credit card from the same email address yet, they are awarding the credit card claim and not the debit card claim. I have requested documents from these merchants and they are all online purchases from an XXXX XXXX ( Ive had an XXXX XXXX since XXXX ), the carrier service is XXXX XXXX XXXX ( I use XXXX ), my name is continuously spelled incorrectly on all purchasing orders, and the orders come from email addresses that do not belong to me. The email addresses are ; XXXX, XXXX and XXXX. BofA is failing and refusing to provide any information or logic behind their decision behind denying the debit card claim. The entire claim was paid for with my credit card and nothing has been paid with my debit card for over 6 months. The law states that : Under a XXXX federal rule called Regulation E, banks are required to make clients whole if their money is stolen from a consumer account through an electronic payment initiated by another person. The Consumer Financial Protection Bureau issued guidelines saying that the law covered all person-to-person online payments. The bureau clarified that all unauthorized online money transfers- meaning any payment initiated by someone other than the customer and done without the customer 's permission were the bank 's liability. This financial institution is not providing sufficient explanation and reasonable cause for their decisions, leaving me victimized by Identity theft. It would be reasonable, in light of my non-participation and lack of receipt of merchandise, that all money from said transactions during XXXX be resolved in the cardholders favor and credited back to my checking account.
Product: Debt collection

I contacted XXXX XXXX  about account ( XXXX ) which states that I owe them {$6600.00} however the account is clearly fraudulent seeing how they had none of my correct information such as the correct address, my phone number or my email address.
Product: Vehicle loan or lease

XXXX XXXX they repossessed it on XX/XX/XXXX I explained to the lady that I just started a job and I'll pay them {$500.00} on the XXXX of XXXX a week prior already gave them {$200.00} but my money had to go down on a new place because I was an eviction so I told them on the XXXX I'll pay you {$500.00} and like I said 2 weeks before that I gave him XXXX they came and repo the car I lost my job cuz I have no transportation and my job was an hour away and now I'm almost Court as well again because I have no vehicle to get to work to jobs I am a natural person a living being and I have rights under 15 USC 1681 in on my credit report they said they repossessed the car yesterday XX/XX/XXXX is not possible because I don't even live at that apartment and they came the same day I was moving out they came and got the vehicle and I had to find a way to move out of that place without a car with no family no anything out here.
Product: Credit reporting, credit repair services, or other personal consumer reports

2 years ago my credit score on XXXX  XXXX was over XXXX and now its XXXX only thing I did was apply for a few credit cards they kept sending offers for on XXXX  XXXX that I was pre approved but my score only went down a couple points and now I have no score how do you lose credit from not using it especially XXXX to XXXX Experian is the same
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX hit me badly. I have underlying illnesses that made dealing with XXXX really hard and for that, I was out of work with no pay and didnt qualify for unemployment because technically, I wasnt unemployed, my employer took a long time to clear me to return to work after I tested positive for XXXX, even after I provided a negative test once I was well again. Under the CARES Act, creditors must make accommodations for people having trouble making payments. I realized a dip in my credit score and when I checked for why I realized I had a 30 day late payment from XXXX XXXX XXXX. I reached out to XXXX Bank  asking for some other type of payment arrangement with no luck from the representatives in which I was in communication with. As soon as I got back on track, I continued to make payments on time and scheduled automatic payments. I am still making on time payments. I am a human being. I have exceptional payment history when it comes to paying my bills on time and I have exceptional payment history when it comes to paying XXXX Bank but things did get hard for me and I couldnt work due to me being sick so I did fall back on payments but I am back to paying on time. I have read different situations where XXXX Bank did offer a Good-Will adjustment to most individuals and Im hoping that can happen for me. Im not negating the debt but I am stating that this was a one time thing for me. This is my only late payment and it is really ruining my life. I have attached 3 {$0.00} paystubs that I received from work. I didnt allow the account to go into collections. Im still making payments, Im just a human who had a hard time in a situation that was out of my control.
Product: Mortgage

After recently purchasing a new home in XX/XX/XXXX, my mortgage was sold to another company sometime in XX/XX/XXXX. According to my closing documents, my first payment to the original lienholder was set for XX/XX/XXXX. I submitted the payment XX/XX/XXXX via Bill Pay at my banking institution. I'd set up for automatic bill pay for the next payment as well, due XX/XX/XXXX. This payment was drafted out of my account on XX/XX/XXXX. 

On XX/XX/XXXX, I received notice from the new lienholder, RUSHMORE MORTGAGE of the change in Mortgage company 's. I never received a notice from the previous ( original ) Company, XXXX XXXX. However, the XXXX payment had already been drafted out of my account on XX/XX/XXXX. 

I immediately called Rushmore to advise them and seek guidance. I was told " Not to worry, this happens all the time, you are given a grace period to resolve these issues ... '' Therefore, I did not attempt to cancel the payment with my bank. After XX/XX/XXXX, I recieved a call from Rushmore stating I was going to be marked as late for XX/XX/XXXX 's payment. I again told the representative that I'd made the payment to the prior company, XXXX and no funds had been returned to my account. The representative advised me they would launch a search into the missing payment. 

I attempted to contact XXXX and was told they did not have my account and funds would be returned or forwarded to the new lienholder. 

On or around XX/XX/XXXX, I received a call from the Debt Collection Department of Rushmore stating if I didn't make a payment for XX/XX/XXXX, my XXXX payment would not be accepted. I set up auto pay through XXXX 's website in XXXX, immediately after receiving the notice from them. I AGAIN told the representative what happened and that I didn't just have the funds to make payments I'd already made. She advised my to fax in my bank statements verifying payment made, I complied. She also stated if I submitted the XXXX payment it would go towards XXXX and once the investigation into XXXX was complete the funds would go towards XXXX 's payment, making the loan due XX/XX/XXXX and on time. I did as instructed. 

On or around XX/XX/XXXX, I received another call from Rushmore stating I was still delinquent. I again faxed in my bank Statements from the XX/XX/XXXX and XX/XX/XXXX payments and the cashed Bill Pay checked I'd received from my bank. On XX/XX/XXXX, I received notification that a negative action was taken on my credit by Rushmore stating that I was more than 30 days late for a payment. I have not had a late payment on my credit in more than 200 payments. This negative was contradictory of what I was originally told by Rushmore and the grace period to " work these things out ''. When I made that original call, I had time to cancel the payment, however was advised not to. Please assist in any way possible.
Product: Checking or savings account

Citibank closed my checking account on the XXXX of XXXX, XXXX. Due to a check that was deposited into my checking account which they said was altered and it was fictitious. The check was made out to me for a total of {$920.00}. However, unbeknownst to me, I didn't have a clue that the check was altered. After speaking to the individual who was responsible for sending me the altered check, for her company, she said that there was money in the account. 

Based on the fact that I wasn't able to deposit this particular check into my checking account, although it was made out to me, the sender sent the check to the person who then deposited the check into my checking account, with my permission. However, after reviewing the altered check I realized that the individual who initially sent the check had endorsed the check on the back of the check where my name should have been. Please review the checks which were uploaded.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a letter from the company listed below stating that the following accounts where verified & that a through investigation was done. How did they do a through investigation when according to the FRCA the term investigate conusomer report mean a consumer report or portion thereof in which the information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or others with whom he is acquainted or who XXXX have knowledge concerning any such items of information. So how was there a through investigation done if they did not interview any XXXX & provide that information this is a violation of my rights according to the law. I demand that the accounts be removed immediately. Also every piece of information on these accounts is still not reporting 100 % accurately & according to the FRCA XXXX XXXX XXXX everything has to be 100 % accurate. 
Accounts : XXXX XXXX  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

for the last few months XX/XX/21 XXXX I have contacted Experian by sending them disputes letters about misleading and incorrect information that they continue to post on by credit report without verifying the information they have failed to provide me with copy of any viable evidence, bearing my signature, showing the account is being reported accuracy Experian is reporting 12 difference XXXX XXXX XXXX each one is spelled difference and 1 XXXX XXXX also 9 addresses that's outdated also accounts for as XXXX XXXX XXXX account balance is incorrect, farmers furniture account is not late, first investor servicing crop Experian is reporting one balance and the other bureau is reporting something way difference also XXXX  XXXX XXXX was not verified before posting to my account, XXXX XXXX wasn't verified, XXXX XXXX XXXX/ total wasn't verified, XXXX XXXX account balance wasn't verified in my closing Experian need to follow the law just like everybody else do by verifying information before you posting on peoples reports
Product: Credit reporting or other personal consumer reports

Despite my numerous attempts, I have been unable to resolve the issue of fraudulent credit inquiries appearing on my consumer credit report. These inquiries have absolutely no connection to me whatsoever, and I bear no responsibility for them. Their presence has caused me significant mental and financial distress. As a victim of identity theft, I maXXXX have no choice but to pursue legal action if this matter is not properly resolved. These inaccurate and fraudulent entries on my credit report have hindered my ability to purchase my dream home and provide for my family 's needs, substantially impacting my financial well-being. For your reference, I have attached a copy of the letter I previously sent to the Federal Trade Commission ( FTC ), outlining this issue and seeking resolution.
Product: Credit reporting or other personal consumer reports

Unauthorized injuries made on my credit report : XXXX  The following accounts reviewed my credit without my knowledge. 
XXXX XX/XX/year>, XXXX XXXX  XX/XX/year> First Help Financial XX/XX/year> XXXX XXXX XXXX XX/XX/year>
Product: Credit reporting or other personal consumer reports

these accounts are reporting incorrectly on my credit profile
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Department XXXX XXXX Bank XXXX XXXX my Statement of Account on XX/XX/XXXX - on page XXXX you will see that my account is enrolled in automatic payment and that my next payment would be drafted on XX/XX/XXXX. According to XXXX- they had a system update on XX/XX/XXXX which deleted my automatic payment. They then reported me as late to the credit bureau. They have admitted their error and sent me a letter that the late payment will be removed from my credit reports, however, Experian has not removed the XX/XX/XXXX late mark from my credit report even though the data furnisher has requested it. I have disputed the information with Experian and they did not make the adjustment. I am including a copy of the letter from XXXX 's that indicates they have requested the XXXX30 day late ' be removed from my credit report, as well as a copy of the XXXX statement that indicates I am still enrolled in automatic payments. 

XXXX did not provide an accurate account statement - XX/XX/XXXX statement indicated that my payment would be automatically debited, but XXXX cancelled the payment due to their system update ( the statement was inaccurate - a violation of XXXX XXXX ), and then reported the payment as late inaccurately to the credit bureaus ( a violation of FCRA ). Experian did not remove the late payment as requested by XXXX.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions. 

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

On XXXX XXXX, XXXX I froze my credit with XXXX and XXXX, with no problem, online. Using the same information, I tried twice with EXPERIAN and was told they could not freeze my report with the information I had given. It was the same as I had given the first XXXX! Then I tried to call and got an XXXX service which gave me no way to freeze my account, only an address to send copies of multiple documents. I then tried to email them the following message, but they have no email address listed where I could file any complaint or ask questions. I wrote : Please tell me why you will not accept my freeze online or by phone, even though your website says I may? I had no trouble placing a freeze with XXXX or XXXX online! What is your problem? Please reply asap. I am sure I am not the only one who is infuriated by your request that I photocopy and send many documents to you by snail mail! XXXX is of the essence since the XXXX hack! 

I consider Experian 's obstructive behavior a violation of my right to receive fair treatment and an answer to my questions. my identity might be stolen because of their actions and inaction to protect my consumer rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have accounts that was not reported to the credit bureau that would make my credit score better. I purchase and paid off three vehicles that was not reported to the bureau and was closed without being reported. I contacted XXXX XXXX/XXXX XXXX XXXX and compass bank to correct their records and update with all 3 credit bureaus. I am submitting supporting documents that there was an error on there part and they still to date has not corrected on the credit reporting side. I need assistance in getting this corrected. Please note the vehicle purchases were high amount well over {$70000.00} totaling the 3 together. Which paying these items off with good standing would have made my credit score much better. I need my credit report to reflect these purchase and pay off in very good standing. Attaching all 3 credit reports as proof they are not included on my credit report.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurately. I had a late payment on an account that i was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy, this account has not been late on payments. I've attached a copies of my report to this complaint on the following date ( XX/XX/year> ). I'm now requesting you investigate and provide verifiable proof with records showing that I had a late pavement. If this information can not be verified, I demand this payment be updated to paid on time immediately. Thank you for your understanding and prompt action.
Product: Checking or savings account

On XX/XX/XXXX I did a real-time transfer ( ACH ) payment to a terminated employee for the amount of {$550.00}. Chase debited my account but rejected the real-time payment and it is still shows in my payment history as rejected. 
Next day I was instructed to re-submit another real-time payment on the XX/XX/XXXX as the first one got rejected. That payment went through and I was told the original rejected payment of {$550.00} on XX/XX/XXXX which was debited will be credited back but they never credited back. Now I have 2 debits of {$550.00} and one of them should have been credited back to me long time ago. 
I have called them numerous times, Contacted them online at least 4 times, filed at least XXXX claims with Chase but no credit as of today and they don't even explain why they do not credit the amount which still shows as rejected on their website!
Product: Credit reporting, credit repair services, or other personal consumer reports

Disputed a chap XXXX bankruptcy with all 3 credit reports. XXXX   Experian and XXXX failed to verfiy within 30 days the items disputed, in addition not provide results of the investigation within 30 days.
Product: Debt collection

XXXX XXXX  sent a credit card to collections, under my name and information but I do not recognize the account or any associated charges. This account is fraudulent and needs to be closed and removed from my credit files and consumer reports. 

Below is information sent to me after I attempted to dispute the information. 

Supposedly : XXXX XXXX : XXXX XXXX, XXXX. 
Current Owner : LVNV Funding LLC Reference ID : XXXX Balance : {$540.00} I am completely unaware of how and why this information is on my consumer report and credit reports, when the account was reported fraudulent years ago. This is ruining my credit score and preventing me from various opportunities to grow my personal business and provide for my family.
Product: Credit card or prepaid card

To whom it may concern, I am writing this because American Express just Closed XXXX XXXX XXXX accounts I had with them and would not provide me any detail as to why they were Closing my accounts. They requested me to get my signature notarized regarding my American Express XXXX XXXX Credit Card. Card and faxed over, which I did and was sent over on two different occasions because they didn't receive it the first time Faxed over from a XXXX XXXX XXXX Branch on XX/XX/2021. This has now created repercussions for XXXX XXXX because I used the cards for XXXX XXXX expenses. The second time I sent it was from XXXX XXXX XXXX on XX/XX/2021 since they didn't receive it the first time and after the fact that I have the Fax confirmation that they received it. They reviewed it and called me to tell me to destroy my cards that they were closing down my accounts today XX/XX/2021. I asked several times and different ways to see if I could get any details as to why they were going to close my accounts and responded with we can't provide you with any information why. I asked again and asked if there was a mistake on the form when the notary filled it out on XX/XX/2021 at a XXXX XXXX XXXX Branch, they replied I can't give you any information. I asked one more time and got the same answer. I asked the gentleman why again, that I had no balance on the cards or any late payments and used them and paid them off right away that same week and didn't understand and replied with I can't disclose why we are closing your account, Miss. I did what was requested by American Express and they closed my account without any reason or explanation and now I'm left with repercussions to XXXX XXXX  due to this aggressive action on their part after I did everything in my power to make sure that my account would get suspended as they stated if they didn't receive the notarized signature within 15 days of the notice. I asked them and told them that I wanted to keep a good relationship with them and that I wanted to continue using their services and they said as of now all your accounts are closed ( all 3 accounts, when the issue was with one particular card that they requested the notarized signature for ).