23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

My loan was purchased by Newrez LLC in XX/XX/XXXX. When I went to make my initial payment my mortgage had suddenly increased from XXXX to XXXX. I called to inquire about the increase and was told it was due to a negative escrow account balance. Once I received my escrow account information I found out ( through no fault of my own ) my fall XXXX taxes paid in closing to XXXX XXXX XXXX had not been applied to my escrow account nor had they been paid to the county. I have a previous complaint regarding this issue and XXXX XXXX has admitted fault to this and has issued a check payable to Newrez for the full amount of XXXX. 

The issue I am having is that my mortgage payment is not reflecting my homestead deduction or my reduced homeowners insurance policy. The escrow account divided over 12 months would only be XXXX dollars more a month, not XXXX. They are tacking on an additional XXXX dollars that I have been assured would be adjusted and explained it was due to various reasons. I have talked to around 10 different agents about the issue of my incorrect mortgage payment. 
I was told to submit my documents through the " contact us '' portal on the website. I did this as well as faxed them and sent them directly to a managers ( XXXX XXXX ) email. I have been told they were received only for the next agent to say they didn't see them until I explained I have sent them 3 different ways and then every agent would say they eventually found them. There has been no adjustment made to my account to reflect my homestead exemption or my decreased homeowners insurance and it has now been almost 3 months. 

I have been paying my regular payment of XXXX with a manager approval each month and it has been accepted. Despite this I keep getting letters in the mail warning that my account could go into default even though each representative has said that is not correct and " not to worry '' about what I receive in the mail. This is highly irregular and worrisome. Almost every representative I have spoken to has suggested that I hold off on making any payments until my account is updated. This too seems suspicious.

I have sent the check for my negative escrow balance as of today and I am already worried that my account will not reflect that either. Since XXXX I have spoken with Newrez weekly, sometimes multiple times a week with no change. The last agent I spoke with on XX/XX/XXXX stated they should have already done an escrow analysis and that he would request one to be done immediately. This didn't make sense as they had yet to receive my escrow payment yet and I am concerned they will refuse to run an escrow analysis once the payment is received on Monday.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I filed a dispute with Ally for reporting an incorrect late payment on my credit, which is preventing me from refinancing my house at a XXXX loss. They admitted originally that this was their error as my account shows all on-time payments. Additionally they have had 46 days to correct the problem and the only response they will give me is they will send an email to the credit department to try to expedite it. I originally filed a dispute directly with them to speed up the process, but to no outcome. They will also not give me contact information such as a phone number or email to the credit department that can actually remove this error from my credit.
Product: Debt collection

I sent a letter regarding inaccurate and unknown things on my credit report. I feel like I'm being taken advantage of and being ignored of my disputes. Section 15 USC 1681 A3, The FCRA permits health service providers and their agents to furnish information relating to medical debt to consumer reporting agencies ( CRA ). However, the Act requires furnishers to encrypt certain details to protect the consumer 's privacy. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act 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.
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX, Experian, XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a Accounts : XXXX XXXX XXXX XXXX  Account # XXXX date opened XX/XX/XXXX Bal. {$4200.00}, XXXX XXXX XXXX Account # : XXXX date opened XX/XX/XXXX, XXXX XXXXXXXX XXXX XXXX XXXX  Account # XXXX date opened XX/XX/XXXX bal. {$2000.00}, XXXX XXXX XXXX XXXX Account # XXXX date opened XX/XX/XXXX bal. {$1900.00}, XXXX XXXX  Account # XXXX date opened XX/XX/XXXX bal. {$1400.00}, XXXX XXXX # XXXX date opened XX/XX/XXXX bal. {$1300.00}, XXXX XXXX XXXX Account # XXXX date opened XX/XX/XXXX bal. {$1200.00}, XXXX XXXX XXXX XXXX Account XXXX : XXXX date opened XX/XX/XXXX bal. {$460.00}, XXXX XXXX XXXX XXXXXXXX Account XXXX XXXX XXXX date opened XX/XX/XXXX bal. {$320.00}. Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Checking or savings account

I am a XXXX United States citizen and this financial institution Wells Fargo bank has taken advantage of me and money in which this financial institution has not only taken advantage of me but also other consumers opening up fake accounts and forging the names on not me but to others consumers as well with out arthorization from the consumers not knowing not knowing what is going on with not only my account is being attract but others consumers as well. and that is the main reason of why Wells Fargo bank has been sued before about these same these same issues and these practices are still going on. And all of these hidden fees that I was not informed about didn't tell me about now I was charged {$10.00} fee for service fee and with out my permission after going on three years and I get {$300.00} to pay my utilities for where I reside at. If I had to pay a fee they should have told me all of these hidden fees. And like I said before after going on three years at getting the money. Now this institution wants me to pay {$290.00} for over draft fees and like I said before XXXX Never used online banking and never authorized to sign up for online banking and over draft protection none of those things. This financial institution has taken advantage of not only me but other consumers as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

Midwest Recovery Systems reported in a false manner that I took out a payday loan from XXXX XXXXXXXX XXXX onXX/XX/XXXX in amount of {$260.00}. It then has just appeared on my credit report as a defaulted account and just appeared on my credit report onXX/XX/XXXX. I have done a direct dispute with XXXX   and XXXX. However XXXX is saying that it is accurate. I will be calling them ; But I never took out this payday loan and want it removed from my credit report.
Product: Credit card or prepaid card

Everytime I use my card on their app my purchase goes through but then they cancel my orders so frustrating call them and they dont care so I cant buy anything online anymore because they wont let me and refuse to fix this issue and concerns my credit card goes through my red card but they wont allow me To place online orders they want me to go to a store then whats the point of having this card if you wont let me Shop online like everyone else not fair
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that the information was erroneous. The XXXX credit bureaus are required to authenticate the account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting account as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX XXXX XXXX XXXX Owed : {$2100.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed Bankruptcy onXX/XX/XXXX. However, Experian is still listing companies as debts that appeared in my Bankruptcy such as XXXX XXXX. It also listing XXXX XXXXXXXX as a closed account when in fact it was paid off by XXXX XXXX inXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed a letter to Experian on XX/XX/2023 and they sent me a letter back on XX/XX/2023 claiming the letter I sent them was not from me and that they would not be complying to my request to remove unauthorized inquires.
Product: Credit reporting or other personal consumer reports

Initially, I was offered, and advised, that I had TWO YEARS at XXXX percent interest. My account was opened XX/XX/XXXX, and the Synchrony Bank racially PROFILED and REDLINED my credit in XXXX XXXX maliciously decreasing my credit limit. The supervisors excuse was they didnt believe, they would receive their money. Surly, I made every payment XXXX days earlier ; which contradicts her explanation. Now, XX/XX/XXXX my account has been closed, with XXXX late payments, and months away from the XXXX XXXX  interest payment being. Most importantly, this shenanigan was intentional, by this unscrupulous company.
Product: Checking or savings account

On XX/XX/2023, I eagerly opened a Truist checking account, taking advantage of the promotional code XXXX, which promised a {$400.00} reward for launching a new Truist XXXX Checking account and satisfying the requirement of at least XXXX qualifying Direct Deposits totaling {$1000.00} or more within the first 90 days of account activation. According to the terms and conditions, a qualifying Direct Deposit is defined as an electronic credit ( greater than {$0.00} ) of your salary, pension, Social Security, or other regular monthly income, deposited into your new checking account by your employer or an external agency. Transfers between accounts, deposits made through branches, ATMs, online transfers, mobile devices, debit/prepaid cards, or mail are not deemed eligible direct deposits. 

I made my first direct deposit on XX/XX/XXXX, totaling {$1000.00}, and the second one on XX/XX/XXXX, amounting to {$500.00}. This should have met the criteria, as it amounted to XXXX direct deposits totaling over {$1000.00} and were made within the XXXX window of account activation. Both deposits were processed through the XXXX network, with my employer clearly identified in the transactions. 

To my surprise, on XX/XX/XXXX, I noticed a {$12.00} account maintenance fee had been charged. Believing that this fee should have been waived due to the qualifying direct deposits, I reached out to Truist for clarification. However, I was informed that the fee was, indeed, the monthly maintenance charge, as I had allegedly failed to meet their direct deposit requirements. When I pointed out the direct deposits I had made, I was told that they did not qualify as direct deposits. When I inquired about the promotional offer, Truist confirmed that my account was indeed enrolled and eligible for the {$400.00} bonus, but the deposits I had submitted did not meet their criteria. While they did refund the maintenance fee as a " one-time courtesy credit, '' they did not provide any explanation as to why the XXXX direct deposits from my employer were not considered direct deposits according to their policies. 

In an effort to resolve this issue, I contacted my employer, who promptly submitted another direct deposit on XX/XX/XXXX, this time for {$500.00} through a different provider. However, even after this deposit was posted, Truist maintained that it did not qualify as a direct deposit. At this juncture, it became evident that I had unfortunately fallen victim to a misleading promotion that Truist had advertised on their website and social media. 

In light of this, I ultimately made the decision to close my Truist account, as it was apparent that the advertised promotion did not align with the actual qualifications and criteria set forth by the bank.
Product: Credit card

I already filed 2 complaints for their unlawful activities and XXXX XXXX responded with the following and no other contact information.

" Were unable to complete the direct deposit at this time. For direct deposit requests, please allow the account to be open and in good standing for 90 days. '' Firstly, I have called their customer service at least 24 times and not even once anyone told me the above. They just wasted countless hours of my time by simply asking for the same information again and again and filling out the same forms again and again. This simply shows how little this institution cares about its customers and how much garbage their customer service is. 

Secondly, they just make their own policies as they go. I have read all the terms and conditions and nowhere does it state that I need to wait 90 days to get a direct deposit. Even their own website says the opposite and says that my rewards are available for either statement credit or direct deposit. They are engaging in unlawful activities by unilaterally making up their own policies. 

When they omit their contact info from the response, it highlights how unprofessional and unethical this institution is by coming up with unlawful policies that their own customer service representatives and supervisors aren't aware of, forget of their customers.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, the list of the inquiries below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXXXXXX XXXX : Requested on XX/XX/XXXX, XXXX : Requested on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXXXXXX : Requested on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX XXXX via XXXX XXXX XXXXXXXX : Requested on XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX XXXX via Equifax XXXX XXXX : Requested on XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX XXXX  via XXXX XXXX : Requested on XX/XX/XXXX, XXXX : Requested on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXXXXXX XXXX XXXX : Requested on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX via XXXX : Requested on XX/XX/XXXX, XXXX XXXX XXXX : Requested on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX XXXX  via XXXX : Requested on XX/XX/XXXX, XXXX XXXX XXXX : Requested on XX/XX/XXXX, XXXX XXXX XXXXXXXX XXXX XXXX : Requested on XX/XX/XXXX, XXXXXXXX XXXX : Requested on XX/XX/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 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

15 U.S.C 1681c. ( a ) ( 5 ) Section : States no consumer reporting agency maty 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 ) Section : States 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: Debt collection

Equifax has been placing negative items on my credit report and it's making my score go down. I've tried contacting them to let them know that those negative items are not mine and they refuse to remove them. I was denied a house loan because Equifax is reporting false late payments from these accounts that are not mine. I called both companies which are XXXX XXXX and XXXX XXXX to find out more information about these false credit lines and neither company can find me in their system. I've informed Equifax and still, they have refused to remove them. I asked them if they sent the dispute to both companies and a gentleman told me that they had sent out a dispute on XX/XX/2021. I called both companies to verify if what the gentleman told me was true, unfortunately both representatives from both world and security finance told me that information was incorrect. I called back on XX/XX/XXXX, XXXX and XXXX and still neither company had received a dispute from Equifax. I want more information on seeking legal reparations from Equifax for the harm they have caused me.
Product: Student loan

Hello CFPB My name is XXXX XXXX and I am writing to complain about my private student loan that was originally with XXXX XXXX, but is now with Navient. 

I have never missed a payment since I was required to start paying off my loan, starting XXXX 2009. I graduated XXXX 2009 from XXXX XXXX. 

Since then I have paid a little over {$200.00} each month. 

The original principal balance of my loan was {$15000.00}. 

$ XXXX/month since XXXX 2009 to Present = 91 months total of never missing a payment @ $ XXXX/month = {$18000.00} I have already paid over {$18000.00} back into my loan, yet the principal balance on my loan has only decreased from {$15000.00} to roughly {$13000.00} now. 

This is ridiculous and should be considered a crime. 

I understand what interest is and how it works, but really?! My loan has only decreased {$2000.00} despite paying back the loan in full and more over the past 7 years?! 

PLEASE HELP!
Product: Credit card or prepaid card

My credit card was fraudulently used and after i reported it to the bank they stated the charges were valid and that I made them. The transactions were made in another state ( XXXX XXXX ) and I live in XXXX. The charges were made at a XXXX in XXXX XXXX XXXX XXXX on XX/XX/XXXX. There were multiple charges totaling {$200.00}. Charges were also made at a XXXX XXXX grocery store. XX/XX/XXXX for {$65.00} {$7.00} XXXX. They recently rebilled my account for these charges.
Product: Credit card or prepaid card

I called XXXX XXXX XXXX XXXX around XX/XX/2017. to purchase a set of earrings. The total was around. {$40.00} The operator stated Apply for a XXXX card we will take {$10.00} off of the purchase. 
No application ever arrived, I made my payments on flex-pay. Months later I started getting e mails  from " XXXX '' stating I owed {$12.00}. ( do not respond to these emails is indicated ) Some time after my third contact explaining that I have no XXXX  Charge card, and never did business with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX -- Billing issues XXXX. 
I applied for a loan at my credit union, I was turned down because this has now made it to my credit bureau. I also lost a job and many other damages resulted. 
They increased the fake indebtedness to {$220.00} ( from {$12.00} ) XXXX representatie said ( he'd pay them whatever they want.. ) That alone must be usery. I was never offered an application, let alone terms and conditions, before or after the fake loan was published. I agreed to nothing written or otherwise. 
The next attempt to reason with them resulted in the representative from XXXX tried to make sense with his bank, stating I will pay the {$12.00} .... Too little and too late. She now demands {$26.00}. At that time this was removed from my credit bureau, XXXX paid their bill. They still insist an account exists!!!. MY damages still need to be compensated. Life is short. Time is all we have in this world and to steal my freedom and push me into a ward of the government. Dependent on the state is more than wreckless. 

I am certain they do this to tens of thousands of people. If you took a vote, and asked everyhone who has gotten an XXXX CARD what happened, you'd be in for one of the biggest scams ongoing in America. 

XXXX XXXX XXXX XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention the ongoing issue I have been experiencing with attempts to correct late open accounts and remove the associated losses from my records. I have made several attempts to rectify this matter, but unfortunately, the resolution process has been ineffective. 

The accounts in question were opened and despite my best efforts to address the lateness and associated losses promptly, I have encountered multiple obstacles in achieving a satisfactory resolution. This situation has not only caused inconvenience but has also adversely impacted my financial standing. 

I would like to outline the chronology of my attempts to rectify the situation : Despite these efforts, the issue remains unresolved, and the associated losses continue to impact my financial stability. I believe in fair and transparent business practices, and I am hopeful that your company shares this commitment. 

I kindly request your immediate attention to this matter and a comprehensive review of the circumstances surrounding the late open accounts and associated losses. I expect a timely and satisfactory resolution to be implemented to rectify the inaccuracies in my records. 

If this matter is not addressed promptly, I may have no choice but to escalate the complaint to relevant regulatory bodies and seek legal advice to protect my rights as a consumer. I am asking for your assisstance to correct these accounts in my credit file XXXX XXXX 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

I have report the original company XXXX XXXX XXXX as Identify Theft back here when I first notice the item on my report and it was removed, then this company brought a fraud debt from a these company Absolute Resolution Investment, XXXX XXXX XXXX XXXX XXXX XXXX XXXX filed XXXX civil sue against me for a fraudulent account. This is illegal and they are trying to get rich off poor people doing illegal things. I received this summons yesterday XX/XX/XXXX. Please look at my FTC reports filed back in XXXX of XXXX will be attached along with XXXX XXXX XXXX FTC report. I will attach the XXXX report also. And the debt amount is total different from the amount of the original debt collector. 

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

The accounts and information, addresses are not mine to the best of my knowledge Enclosed all documentsChapter XXXX bankruptcy discharged Date Filed XX/XX/2012 XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX  XXXX, TX XXXX SINGLE FAMILY XXXX A XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX