23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I put in a dispute for incorrect personal information, email address, contact numbers, not working. I get a letter stating about a police report. Did not know any of this was on this report. But to even get a copy of my credit report I had to send in a copy of my Driver 's License and Social Security card, so right there show proof of where I live, Driver License and Social Security Number, this company XXXX I never worked for because it is not based in XXXX, Florida where I have always resigned and lived.
Product: Checking or savings account

I received a notice that I needed to update my account with a physical address, which I did. I was never informed that the new address was also apparently unacceptable and they suddenly just closed the account When I called the customer service to resolve the issue. I was asked why I didn't have a # sign in front of my apt number - unbelievable. 

The result is that I have not missed a mortgage payment and I have no money to my name and no way to receive a paycheck.
Product: Debt collection

I am trying to get into a citizens home. Unable to get accepted due to negative credit report that do not belong to be. Are fraudulent. I have no recollection of any of these open accounts. They are not mine. I have tried to dispute several times and sent out letters and notices and the representative keeps telling me they will be removed yet remain on the credit report. I am a retiree trying to survive and this fraud with my credit is creating a hardship
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX or XXXX XXXX XXXX Account # 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 an account without my written instructions. 

I have attached XXXX XXXX credit profile showing inaccuracies and inconsistencies reported to all 3 credit bureaus including Equifax, XXXX and XXXX. Also XXXX Appliances and the 3 credit reporting agencies failed to provide verification that I owe this debt. I have also attached a letter that I sent XX/XX/2020 of my request. I have reached out to this company several times by letters and phone calls. Per phone calls representatives instructed me to request a dispute and that is what I did.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected XXXX XXXX XXXX Balance : {$440.00} ; XXXX XXXX XXXX Balance : {$2900.00} ; XXXX XXXX XXXX Balance : {$2900.00} ; XXXX XXXX XXXX  Balance : {$2800.00}.
Product: Credit card or prepaid card

I have received TD Bank 's offer as a Convenient check. The offer was One time 3 percent transaction fee amount of the check and free of finance charge till XX/XX/XXXX, after I took advantage of the offer I realized when I got my first statement that I got charged transaction fee And Finance charge.. 

I immediately got in touch with them and explained the situation..They told me that I was a couple of days late to deposit the check. This could very well be my mistake as I did not see the fine print on the check stating " NOT VALID AFTER '' XX/XX/XXXX... 

I kindly asked them to stop charging me finance charges... I got no help..I explained to supervisor ... I got no help... I have written certificate letters explaining the situation. Told them they VALIDATED the check that was not VALID... I got no reply..I got panicked and I stopped sending them the payments ( I thought If I sent them the payments I would accept both mistake 's responsibilities..? ) ..Throughout these times I have received Late payments and Payments demands and letter requests if there is dispute... Again I did write them explaining and trying to resolve this ... I got no sufficient response explaining why I pay Finance charge and transaction fee... 

What they are doing is not right ... There is a mistake done by me ( depositing the check 4 days late which was no longer " Valid '' ..There is a mistake done by them, which they " Validated '' the " Not Valid '' check without letting me know the consequences
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I am writing to dispute the inaccuracies that have been reported on my credit report by your agency. I have recently reviewed my credit report from equifax, XXXX, and XXXX and have noted following discrepancies : XXXX XXXX XXXX  XXXX Inq date : XXXX/XXXX/XXXX Phone number : XXXX XXXX  XXXXXXXX XXXX XXXX Inq date : XX/XX/XXXX Phone number : XXXXXXXX XXXX  XXXX Inq date : XX/XX/XXXX Phone number : XXXX XXXX  Inq date : XX/XX/XXXX XXXX  Inq date : XX/XX/XXXX I am writing to dispute the inaccuracies that have been reported on my credit report by your agency. I have recently reviewed my credit report from equifax, XXXX and XXXX and have noted following discrepancies above.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. I have attached my FTC report and my Police report that I have filed on my local police department that would testify that I am a victim of Identity Theft. Please remove the following accounts : XXXX XXXX XXXX XXXX and XXXX ( Original Creditor : XXXX XXXX ) XXXX. Please remove these accounts ASAP.
Product: Payday loan, title loan, personal loan, or advance loan

Due to the fraudulent accounts on my credit report that are taking forever to get removed my credit score isn't the highest. I've called them and sent a letter letting them know they are breaking the law and violating the ECOA they have denied it every time. Also, I've tried rescinding my application because I don't want them to securitize it, pool, then trade it. They won't rescind it. They're with holding my securities and they can't deny my OWN credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

My personal information, birth certificate drivers license and social security card was stolen I discovered that my personal information had been used by someone else. I did not authorize anyone to use my name or personal information to obtain money, credit, loans, goods or services as described in this report I did not receive any money, goods, services or other benefit as the result of the events described in this report. 

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. -- CLOSED ACCOUNTS XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} balance 120 days late XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$180.00} XXXX XXXX XXXX XXXX XXXX XXXX U.S. Department of Education XXXX XXXX XXXX {$2400.00} Inquiries Name Type XXXX On The B Individual XX/XX/XXXX XXXX Individual XX/XX/XXXX XXXX XXXX XXXX Individual XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Individual XX/XX/XXXX XXXX Individual XX/XX/XXXX these accounts are hurting my credit dramatically they are in my chances of owning a home for my family please reconsider investigating this matter XXXX XXXX XXXX Credit card Closed XXXX XXXX Credit card Closed XXXX XXXX Credit card Closed XXXX XXXX Credit card Closed Atlcapbkself Installment Closed XXXX Installment Closed Self / Lead Installment Closed Deptednelnet Installment Closed XXXX XXXX XXXX Credit card Closed Us Dept Ed Installment Closed XXXX/XXXX Installment Closed XXXX XXXX Credit card Closed XXXX/XXXX Installment Closed XXXX Collection Closed Please investigate this matter immediately remove an inaccurate information
Product: Mortgage

On XX/XX/XXXX I reached out to get started on a short sale and the agent XXXX stated that the short sale application is processed and that we need a purchase agreement to push back the auction. I then received one a few days ago and submitted it yesterday XX/XX/XXXX. I called today XX/XX/XXXX and the agent said they will not post pone the auction to complete the sale because it is too close to the auction date. I was not told that by the representative in the beginning, if so, I wouldnt gotten something sooner. They said that will call me within 5 business days and I never received a call. They also stated they are willing to work with me to help me with my home and they are refusing to post pone it so I can sell the home to avoid foreclosure and settle my debt. This is unfair and unethical.
Product: Credit reporting, credit repair services, or other personal consumer reports

After learning that my personal information was compromised and involved in the XXXX data breach ( attached ) I reviewed my credit reports and found multiple accounts and inquiries that I did not recognize nor authorize. I attempted to have this problem corrected with the three credit reporting agencies of XXXX, XXXX, and TransUnion but I have not had the issue corrected.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inaccurate information reflected on my credit report. The information appears to violate my rights under the Fair Credit Reporting Act ( FCRA ) and should be removed or corrected promptly. The FCRA mandates that only accurate, complete, and verifiable information be included in credit reports ( 15 U.S.C. 1681e ( b ) ).

1. Incorrect Accounts Several accounts listed on my credit report appear to be inaccurate, incomplete, or outdated. Under FCRA Section 1681i ( a ) ( 1 ), I am entitled to dispute information that I believe to be inaccurate, and the credit reporting agency is required to investigate the disputed information within 30 days. I have reason to believe that the following accounts do not belong to me, contain incorrect data, or should no longer be listed due to age or resolution : XXXX XXXX XXXX  XXXX # : XXXX BALANCE : {$270.00} As required under the FCRA, I request that these accounts be thoroughly investigated and either updated or removed from my credit report if found to be inaccurate. 

2. Unwarranted Inquiries I also dispute the following credit inquiries listed on my report. Under FCRA Section 1681b ( c ), credit inquiries must be made with my permission or under circumstances where I have applied for credit. If these inquiries were not authorized by me or do not meet the requirements for a legitimate credit inquiry, they should be removed from my report : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Please consider this my formal request for an investigation under the FCRA. If the items mentioned above are not removed or corrected, I will seek further action, including filing complaints with the CFPB and taking legal steps to enforce my rights under the law.
Product: Mortgage

This is NOT the first time dealing with NewRez. I have had nothing but customer service issues and constant battling with them. At one point, I had to activate the XXXX XXXX service just so I could get in touch with leadership to help me. I thought I was done ( other than paying my mortgage ) but NO. I have MORE ISSUES. 

In XXXX, we hired an engineer to survey our property. A LOMA was submitted to FEMA, which was approved in XXXX and our home was officially moved from Zone A ( highest risk of flood ) to Zone Z ( no risk at all ). I am STILL WAITING for them to complete an escrow analysis in order to reduce my monthly payment. How in the XXXX is this taking 60+ days???? I provided a letter - FROM THE FEDERAL GOVERNMENT. 

And now - ANOTHER issue. My insurance company called me today to say that have not received payment from NewRez for our homeowners insurance. They have sent multiple letters and NewRez hasn't paid. Now our policy will be cancelled on XX/XX/XXXX for non-payment!!!! NewRez has PLENTY of money from our escrow account. What's the problem???? You're taking my money and NOT PAYING THE BILL. GET THIS DONE BEFORE XX/XX/XXXX or I will be hiring a lawyer. This company is the BIGGEST JOKE. I can't understand how they have not been sued multiple times and have not gone out of business. Doesn't the mortgage company REQUIRE homeowners insurance??? What happens when it's canceled because THEY don't pay the bill, but take OUR money which is supposed to be used for it. Isn't that a breach of contract??? 

Oh - and don't bother asking me to email XXXX. THEY DON'T HELP. 

PLEASE - just PAY MY BILL. You have $ XXXX in our escrow account ( because of the flood insurance WE DON'T NEED and you continue to charge us monthly for ). The bill is XXXX {$350.00}. If we don't have insurance because it's canceled due to lack of payment from NewRez and anything happens to our home, we will do everything in our power to hold NewRez accountable. Total crooks.
Product: Vehicle loan or lease

Just last year I had my car repossessed. I was not able to pay my loan because I was unemployed close to a year. The only way I was able to make money was by helping a friend from time to time and it was enough for anything and could not afford the payments. Last year I was struggling with trying to get a job to catch up on my bills and could not was behind on everything not just the car. This all happened around XX/XX/2017. Since I got my car back I have been making my payments on time and have a great job now and able to manage my money better and stay on top of my bills. I have tried to work with the company to get my repossession moved after showing them that my payments have been good but they are not willing to work with me.
Product: Mortgage

This is complaints against Wells Fargo. 
the bank put me into property tax escrow account and set monthly amount of {$1600.00}. 
I have paid off the total amount of XXXX with monthly mortgage payment since XXXX, XXXX. I have be be out of the escrow account, but still hold me in the account. 

I was not default property tax at the time they notified but behind the late fee of {$240.00}. for which I appealed for wave the fee because of Covid 19 hardship. 

Checking my records for property tax, I have found the bank paid the tax on my account of {$2400.00} on which I have already paid. The payment was double payment for my account so the tax office returned the refund to me which I was not sure what it was and I kept it. I have paid any tax bill in advance for the second installment last XXXX. 
The bank this time again paid tax on my account, which is double payment and I notified I had a refund check to where I can send back, no answer yet but they refuse for my regular mortgage payment for XXXX. 
this is my complaint and remove me out of escrow account.
Product: Checking or savings account

Hello CFPB-inXX/XX/2022, I placed a telephone call to Citibank to inquire of the Citibank Fraud Department if I am eligible to open Citibank deposit accounts, and Citi responded that I was free and welcome to do so.On or around XXXX XXXX, I opened the Citibank basic checking account # XXXX, with a successful ACH transfer of the required amount of {$25.00} from my current financial institution to Citibank-the transfer was completed and successful, and this was the extent of my Citibank activities.Today, XXXX XXXX, I received a Citibank email message informing me that my account will be closed within 60 days for violating the terms of the Citibank Client Manual, as well as asking me to refrain from any further transaction on this account.Question : how could I possibly violate the terms of the Client Manual when all I did was fund my account, as was prompted and required, successfully and completely and provided Citibank with my correct contact information numbers, nicknamed my accounts, and listed one ( 1 ) payee for bill pay service? I find this Citibank action of closing my account extreme, vindictive, and wrong! I did everything correctly and have been forthright with all my actions and information, and stand ready to provide any and all documentation to resolve this dispute-thankyou-XXXX XXXX XXXX
Product: Debt collection

The AWA Collections should up on my credit report. This account is not only old, XX/XX/year>, but never wanted XXXX XXXX because the company did not want to give me mortgage insurance. So it didn't make sense to leave XXXX XXXX XXXX. As a result, the XXXX rep failed to cancel the account and I was charged for services that were never rendered. 
Also, I tried to resolve account with AWA Collections and they only wanted to help me if I purchased their services which is totally illegal. I just wanted to resolve and get this account out of my credit report. Very hard company to work with. I told them I needed this resolved because I was going through a refi.
Product: Credit reporting, credit repair services, or other personal consumer reports

Lexis Nexis failed to validate a public record
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX  XXXX Balance : {$1200.00} XXXX XXXX XXXX Balance : {$950.00} XXXX XXXX XXXX  XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance XXXX {$610.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Delete fraud alerts and extended fraud alerts from my Experian and XXXX Experian : XXXX & XXXX XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY XXXX OR EVENING XXXX. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING XXXX. 
XXXX : XXXX XXXX. 'EXTENDED ALERT '. CONSUMER HAS REQUESTED AN ALERT BE PLACED ON THEIR CREDIT FILE.
Product: Debt collection

XXXX and I had worked out a payment arrangement due to divorce and I was not living at the residence at the time the phone was being used and bill was getting over limit ( s ). 
Contacted FCC, XX/XX/2019, regarding matter about them not turning on my phone after I had already paid over {$150.00}. Complaint sent to FCC in XXXX. 
Fee responded, etc. XXXX explained I would not be able to have phone turned on until I " applied '' again and I would incur a fee due to past history. 
XX/XX/2019 received a call from Eastern Account Service, LLc asking if I was XXXX XXXX, I stated yes, ( they called private cell # ), they explained who they were and asked me to give them personal information. I said not going to do this, and send written notification to my address. They asked me to verify my address. I also refused. 

XX/XX/2019, I have Eastern account listed on my credit report. I HAVE NEVER RECEIVED ANYTHIGN FROM THEM. I am paying XXXX {$25.00} each pay check and paid them in XX/XX/2019, My bill owedis {$50.00}. 

I have sent complaint to FCC as well for fraudulent collection practices. After contacting a law firm that is suing Eastern for this very type of practice. 

On XX/XX/XXXX, I called XXXX  to file complaint. At XXXX that afternoon, my mail had a letter from Eastern stating that they had sent me something 30 days ago and I FAILED TO RESPOND. 

I AM DIVORCED, I HAVE BAD DETS DUE TO THIS divorce. I am diligent about my outstanding debts, etc. I have a payment arrangement with XXXX. I am contacting an attorney to sue both XXXX and Eastern for bad faith on XXXX and fraudulence on Eastern.
Product: Mortgage

I am not sure what XXXX XXXX was doing but his response was useless. He did not respond to the continuing complaints I made but went for the shiny object.

I raised the question about the interest rates I was offered after learning about another Wells Fargo scandal where they offered  different interest rates to XXXX and XXXX borrowers compared to XXXX borrowers with similar financial backgrounds. 

What XXXX got incorrect is that I was supposed to start the refinance process with XXXX XXXX on XXXX XX/XX/XXXX. Prior to that, he verbally quoted me an interest rate of 3.5 % when we spoke on the phone. Instead of calling me to reschedule, XXXX sent me an email saying he could not make the XXXX XXXX  appointment and I did not see it until after I called him to start the refinance process. Great customer service! I responded to his email by telling him we could speak the next day, XXXX XX/XX/XXXX, at XXXX XXXX. 

When I called on XXXX XX/XX/XXXX, I spoke with XXXX XXXX and asked her if XXXX was available and she said she did not show that he was. I am not sure if that was true or if she was trying to swoop in on his deal. I told her that I would just go ahead and refinance with her and she later offered me an interest rate of 3.375 %. I did not think much of this difference until I heard about the XXXX lawsuit against Wells Fargo a few days ago. Did XXXX try charge me more for some reason and I " lucked out '' when I called and got XXXX? 

I can not provide the interest rate XXXX quoted because it was VERBAL. Wells Fargo already knows my current interest rate. Since Wells Fargo has mastered the art of deception and misdirection, my guts tells me they will find a way to totally avoid this concern.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit bureau is reporting my medical bills. According to HIPPA no protected health information should be shared publicly. This goes against HIPPA Rules and regulations and violations my rights.
Product: Credit reporting or other personal consumer reports

I have a collection for XXXX XXXX XXXX  which is affecting my credit score. I have attempted to dispute this collection in the past as it is inaccurate and was closed in good standing. 

Both XXXX and the Debt collection company have failed to correct this mistake.