23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Original issue starting XX/XX/XXXX ( file of interactions attached ) : I have been a mortgage holder with Citizens Bank ( aka CitizensOne ) for 3 homes, multiple mortgages, and 10+ years. Upon refinancing my existing 3+ year old loan with Citizens in XX/XX/XXXX everything seemed be in fair order and payments have been applied on time throughout. However, after closer examination in XXXX I noticed my escrow balance was unusually high. Upon further investigation I noticed Citizens DID NOT pay out my school property tax as scheduled in XXXX. The repercussion of not paying then is a loss of a 2 % discount fee. I started contacting Citizens on XX/XX/XXXX explaining that if this went unpaid past XX/XX/XXXX it would be an additional 10 % penalty. I have had 18 interactions involving mostly Citizens ( 12 ), local taxing authority, school district, and attorney 's offices confirming this is an issue with Citizens and it should be paid. I'm now receiving delinquency letters from the taxing authority that if not paid by XX/XX/XXXX I am in default. This could result in a lien on my home. This entire situation has been entirely unacceptable as my escrow is fully funded and has paid this tax year-over-year in XXXX successfully. I am seeking immediate payment of my property tax for which only the discount fee which would have been charged in XXXX is billed from my escrow, and any remainder due paid on behalf of the bank as it is their error. I will then not only be removing any and all business from the bank, but encouraging others to do so as well unless this is resolved with a highly satisfactory and timely result. 

Update as of XXXX : Confirmed property tax now paid and penalty portion paid by Citizens, but not until after 42 interactions and over 40 hours of my time consumed over the past 2-months to resolve. 

New issue as of XXXX : Upon confirmation of payment of my taxes I logged into my account both on mobile and web after noticing my XXXX payment had not been deducted from my bank account as scheduled in auto draft. Both the web and mobile interfaces showed my account as " past due '' with no record of auto draft in place. Thus, I paid the XXXX payment directly through mobile app. As of XXXX, when I log in it's now showing me as having auto draft payment and two payments processed with a next payment due XXXX and auto draft XXXX. I do not wish to have two mortgage payments paid. The customer service line does not give option to speak with a representative and the earliest call back available in the auto prompt is nearly a week away from today on Monday, XX/XX/XXXX. I have escalated with the contact person I worked with on the tax issue in the " Office of the Chairman '' XXXX XXXX. I called her first yesterday, XXXX with no response. After multiple tries today I got a hold of her and she said she would look into it. 

The mortgage servicing experience has been dreadful with Citizens and I hope it is rectified for future customers.
Product: Mortgage

In 2006, I purchased a home in XXXX, California for XXXX. My down payment was XXXX. XXXX was the lender and unbeknownst to me, I was put in a negative amortization loan, also referred to as pick a payment loan. This loan caused my XXXX balance to increase to XXXX on an interest only loan. The loan has been resold several times and my current lender is not interested in voluntarily reducing my interest rate or refinancing my loan. My payments are current and I have never been late. I am a victim of predatory lending and would like some assistance or advice.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : # XXXX XXXX, ( XXXX ) Account name : # XXXX XXXX ( XXXX ) ( XXXX ) Account name : # XXXX XXXX ( XXXX ) XXXX XXXX XXXX. 
Account name # XXXX  ( XXXX XXXX XXXX ( XXXX ) Account name : # XXXX  XXXX ( XXXX ) ( XXXX ) ( XXXX ) Account name : # XXXX XXXX  ( XXXX ) Account name # XXXX XXXX XXXX  ( XXXX ) Account name # XXXX XXXX XXXX  ( XXXX ), has violated my rights. 

I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act 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 according to 15 USC 1681 ( e ) ( b ). 

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, 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 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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

I XXXX XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

After review of all my CB files I came across a account ( XXXX XXXX ) reporting to XXXX  and Experian they both reported first delinquency dates differently. I filed a CFPB complaint with XXXX at which time they reacted quickly and deleted the tradeline because in fact the first date of delinquency was past the 7 yr mark ( XXXX of XXXX  ) so I reached out to Experian and was treated pretty badly. So I need an answer on the procedures and or laws these CB are supposed to be following. I ask how can the dates vary so.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I discovered numerous unauthorized inquiries on my credit report from Transunion. After notifying Transunion that these inquiries were unauthorized and that my report was obtained without permissible purpose I was ignored. I also provided Transunion with an FTC report and that was also ignored. I did not give consent for these companies to use my personal identifying information to access my credit report and this is a violation of my privacy and I demand an Immediate deletion of all the listed unauthorized inquiries within 4 business days from receipt of this complaint.
Product: Credit reporting or other personal consumer reports

I was discharged for my bankruptcy XXXX XXXX  in XX/XX/2019. My bankruptcy is being reported without my permission " Permissible Purpose '' 15USC 1681b ( a ) ( 1 ) ( 2 ) : Subject to subsection, any consumer reporting agency may furnish a consumer report under the following circumstances, and no other ( 2 ) In accordance with the written instructions of the consumer to whom it relates. No written instructions were given/submitted to anyone. 

My bankruptcy should not be on my consumer report with XXXX, Transunion, and XXXX. This violates my consumer rights and should be removed immediately. I have reached out to the bankruptcy court ( see attachment ) they have confirmed that they do not report/verify bankruptcies to the credit bureaus. I have included communications from XXXX who have been reporting to XXXX about my bankruptcy without my permission. As you see in the attached correspondences that their customers which include companies in various industries such as financial services, insurance, government and healthcare have a permissible purpose to access my information. this is a direct violation to my consumer rights.
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 XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX  : # XXXX XXXX XXXX XXXX XXXX XXXX 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 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: Credit reporting, credit repair services, or other personal consumer reports

I have disputed Mohela on my report several times. The account are old, closed, and have been transferred to another lender. They are reporting the old late payments on the account as well as reporting current and {$0.00} owed. I have requested and disputed the be removed as the new servicer shows the exact same information and the refuse to remove it. It is causing undue hardship as I am trying to build my credit and eventually purchase my first home. I feel it is unfair for XXXX companies to be reporting the same account XXXX as closed the other as an open account.
Product: Vehicle loan or lease

As a formal inquiry into the case of the United States v. Toyota Motor Credit Corp. ( XXXX. XXXX. ) Which came to my knowledge about six months ago. I feel as though I have been one of the victims of Toyotas ill practices. I am writing this letter to restrain advantages taken upon me being that I am older and of minority descent. In XX/XX/2014 I financed a brand new XXXX  XXXX XXXX XXXX XXXX XXXX AT XXXX XXXX XXXX XXXX XXXXXXXX, XXXX located in XXXX, NY. I believe I was unknowingly taken advantage by Toyota since I am liable for, in total, XXXX for a vehicle which at the time costed {$35000.00}. I ponder upon the fact that Toyota knowingly inflated my interest rate because of my ethnicity. I don't think this is fair as I, like many others, is a hard working individual. It is frightening to think that a big corporation such as Toyota would take advantage of individuals of minority such as myself. I would greatly appreciate some feedback on this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I don't want to see this on my credit report, I'm begging you this is not mine, This is totally XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX of 2022, someone tried opening an account with XXXX XXXXXXXX XXXX  using my social security number from a XXXX XXXX address. I was able to cancel that application, however, the bank did little to help me afterwards. Then, on XX/XX/XXXX of this year, someone from XXXX tried using my social security number to open another account. Its left me with hard inquiries that I have been unable to remove. I have frozen my credit with all 3 bureaus and I need help getting a letter from the company saying that I did not authorize either of these accounts. I want to get my inquiries removed.
Product: Student loan

I have my student loans in repayment through Mohela. I recertified earlier this year about 1 week prior to the new order stating that the you do not need to recertify and it would be pushed out a year and if you recertified already it would automatically be reverted to your prior payment. I recertified on XX/XX/year>, and the order specifically references XXXX recertifications being reverted back. I waited to for this to happen but ultimately had to make a payment in XXXX for about {$2900.00} instead of about {$210.00} because they did not fix it and I didn't want to miss making a payment and get penalized. I then allowed a little more time before my next payment to see if it would get fixed but of course it was not. On XX/XX/year> I called Mohela and they placed me in forebearance for 2 months so that it could be fixed. I was then notified today, XX/XX/year>, that my payments are out of forbearance at the {$2900.00} rate basically they didn't fix it at all. I have been seeing through online support groups that this is a systemic problem with them not fixing this issue therefore I am filing this complaint because I have zero faith they will do it when I speak to them again.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Company CNAC, XXXX XXXX XXXX XXXX, XXXX NC, XXXX - Ph. XXXX reported to the Credit Bureau that they repossessed a vehicle that I began paying payments on in 2015, and paid the vehicle off early that the extended contract was written for. The following year when I applied for a VA loan to purchase a home, I learned of the report of the repossession. I contacted CNAC and the manager explained to me that the repossession was reported in error. The manager, XXXX XXXX, wrote me a letter explaining the repossession was an error by the company, and in the letter she she explained that anyone with questions could contact the company at the above address and telephone number. This has had a devastating impact on my finances and my living situation. 

XXXX XXXX XXXX XXXX XXXX. 
XXXX NC XXXX Phone XXXX
Product: Mortgage

I called First Republic Bank in California at ( XXXX ) XXXX around XXXX on XX/XX/XXXX. I asked to speak to a mortgage officer to put in a mortgage application. I was transferred to a mortgage banker. I informed him that I entered escrow that morning and was looking to do a mortgage application. He asked me for the address of the property and how much I was putting down. I told him I was putting down 15 % on a {$410000.00} purchase and the address of the property in XXXX XXXX. The banker looked up the property and immediately mentioned that the facade was made out of brick and they do not lend to properties made out of brick. It was clear that the property was not made out of brick, this sounded like a rehearsed line, he even had a catch phrase of calling XXXX XXXX " XXXX XXXX '' or something more pretentious, can't remember exactly. This was clearly an attempt to discourage me from using them as a lender. After this did not discourage me and I still wanted to move forward he said that he was not able to do a mortgage application because they only have two programs, the first where you put down 20 % minimum and the second you can put down less but you have to be a minority or purchase in a highly minority populated area. I realize that {$410000.00} for a condo seems like a lot of money. However, where these banks are located the minimum home price is XXXX XXXX. I was not only discouraged from lending I was told that they would not help me. This is a clear violation of the fair lending act ECOA and FHAct.
Product: Checking or savings account

On XX/XX/XXXX, I requested a CD account closed. The bank states in its online information that closing the account takes 3 to 5 business days. The time allowed has since been exceeded but the bank can not help me get my money back. I have spent more than two hours on their chat customer problem resolution without getting a resolution to the problem. Calling their customer service phone line is an exercise in frustration. The last time I tried to get this resolved, I spent 40 minutes typing back and forth with a representative without achieving success.
Product: Credit reporting, credit repair services, or other personal consumer reports

We had a car loan with XXXX XXXX XXXX XXXX. The vehicle was sold to XXXX XXXX XXXX XXXX in XXXX XXXX, WI. The title was sent by XXXX XXXX to XXXX XXXX XXXX XXXX to the satisfaction of XXXX XXXX. 

This debt still remains on our Experian credit report. When attempting to dispute it, the first time was immediately after we sold the vehicle, Experian rejected the dispute. Now two years later, we are trying to have this removed from our credit report and Experian website refuses to process the dispute stating they only have to investigate once which was immediately after the vehicle was sold.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute certain accounts and inquiries listed on my consumer credit report, which I believe result from a data breach, fraud, or unauthorized activity. I request that you provide verifiable proof, including my signature or electronic signature, for any reported accounts or inquiries. This letter is submitted by me personally, not through a third party, so please review it carefully. 

I did not authorize any of the actions related to these accounts or inquiries, and I believe they represent a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ), specifically Section 605B, which addresses the blocking of information resulting from a data breach or fraud [ 15 U.S.C. 1681c-2 ], as well as Section 604, which covers permissible purposes for consumer reports [ 15 U.S.C. 1681b ].

Upon contacting the companies responsible for reporting these accounts, I found that these actions were initiated without proper validation or original proof from the reporting parties. As I never authorized these accounts or inquiries, they are not factual and must be considered a result of either a data breach or illegal reporting by creditors or third-party data furnishers.

I request that these items be promptly investigated and removed from my credit report. If you can not provide the requested proof of authorization, I expect these entries to be corrected in accordance with the law.

Thank you for your attention to this matter. I look forward to your prompt response.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE CONTACTED THIS COMPANY SEVERAL TIMES PAST 3 MONTHS TO DELETE AND DISPUTE THIS INCORRECT INFORMATION THAT IS BEING REPORTED ON MY CONSUMER FILE. THIS IS AFFECTING ME AND I WANT THESE REMOVED IMMEDIATELY.
Product: Credit reporting or other personal consumer reports

Im disputing information on my credit report. Pursuant to FCRA 605B Im including exactly what youre requesting. Proof of my identity, accounts which were involved with the theft & a copy of a completed & submitted FTC identity theft report. Im complying with the letter of the law & what youre required to have to honor my 605B request. The following accounts need to be blocked or removed from my report. Please see this matter is attended to with the utmost urgency. 

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

It has been a battle going through this and right now, I am submitting this CFPB Complaint requesting for you to delete the following fraudulent information reporting on my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge nor accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged information showing on my credit report. I therefore request that you immediately remove these information from my credit report with your firm pursuant of the FCRA Section 605b : 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  I have read enough to understand my rights which is protected under the Fair Credit Reporting act section 605. Under the same Federal law, you must remove the disputed accounts and information of from my Credit File as soon as possible.
Product: Credit reporting or other personal consumer reports

XXXX does not properly investigate disputes and fails to remove or reinserts errors on reports.
Product: Credit reporting or other personal consumer reports

15 U.S. Code 1666b - Timing of payments I was not made aware that I was late. I was not contacted or informed of this information.

15 U.S. Code 6802b I never opted in to have my information released. I was never provided an option to opt out.

15 U.S. Code 1681a ( d ) Consumer Report.

( 1 ) In general.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title.