23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I purchased my home from DR Horton and obtained my mortgage from DHI Mortgage and used DHI Title to close on XXXX XXXX. At settlement, they collected {$1200.00} from me for three months of property taxes. Soon after closing, they sold my mortgage to XXXX XXXX XXXX ( XXXX ). After selling my mortgage, DHI Mortgage paid my property taxes in full ( XXXX ) and requested that full amount be sent back to them from XXXX in XX/XX/XXXX. I had noticed my escrow account balance was extremely low and asked for an Escrow Analysis be performed by XXXX. While I was waiting for this to be performed, I noticed on my transaction and payment history with XXXX that {$3200.00} was sent to DHI Mortgage on XXXX XXXX. I then went back and looked at my Closing Disclosure and confirmed that I had paid {$1200.00} towards property taxes at settlement. I contacted DHI Title on XX/XX/XXXX about this and have not had a resolution to this issue. I had been told that XXXX XXXX, the Area Manager with DHI Title Agency, had escalated the issue to their Customer Care team. I received an email from XXXX XXXX Customer Care Specialist with DHI Mortgage on XX/XX/XXXX stating that they reached out to XXXX and they decided that another escrow analysis was not needed. That a new analysis will be completed in XXXX of this year. 

They have never addressed the fact that they still have {$1200.00} of monies I paid to them at settlement for three months of property taxes. I have not been given any explanation as to why the requested the full amount be sent back to them from XXXX. I understand that they paid the full amount of taxes outside of settlement, and they are due monies from my current escrow account, but not the full amount. It should be {$3200.00} less the {$1200.00} they had already collected from me. 

The entire transaction with Horton has been a nightmare. I need someone to please help me get these funds back to me personally or back into my escrow account with XXXX
Product: Credit reporting or other personal consumer reports

Id notice inquiries on my credit report that I did not make and which does not belong to me. I reached out to the companies whom the inquiries was posted by and I was told that there was nothing that they can do and requested me to reach out to the credit bureaus. Whom in turn told me to reach out the companies.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked Experian why if my student loans are in good standing that debt to ratio goes up. I am in a work program that allows me to not pay because I work in a nonprofit but when my student loan reports it shows my interest rate which causes my debt to ration to go up. 

After asking this question and getting an answer my score drop with Experian 14 points and it should have not. 

I have an attorney looking into a class action suit on credit reporting. I should not have my score impacted for a dispute question.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds to cover when the transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices where transaction settled with insufficient balances despite initial availability of funds. These practices are unfair and predatory and request an investigation into my account transactions.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXX  XXXX - XXXX - XX/XX/XXXX - {$33000.00} XXXX  XXXX - XXXX - XX/XX/XXXX - {$9600.00} XXXX  XXXX - XXXX - XX/XX/XXXX - {$6700.00} INQUIRIES : XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a ton of errors on my credit report the I recently found. My name is incorrect on my credit report my name should be listed as only XXXX XXXX   XXXX please delete any other names. I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice. This security freeze request not only restricts credit bureaus and creditors but also future potential employers until I lift this restriction. The following addresses are not mines : XXXX XXXX XXXX XXXX XXXX  XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, NY XXXX
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed that there were fraudulent accounts reporting. These accounts are preventing me from obtaining credit. Please remove these accounts.
Product: Mortgage

Pennymac has increased my mortgage by an extravagant amount which is unwaranted. In XXXX XXXX 2021, there has only been a XXXX dollar increase in my insurance, and only an XXXX dollar increase in my Property Tax. Therefore, the total annual increase for my combined taxes and insurance is XXXX dollars. Without justification, PennyMac is asking me to pay them over XXXX dollars for 2021 and increasing my mortgage payment by XXXX dollars per month. Every year, PennyMac is making me pay escrow backpay for the previous year 's escrow buffer, plus the current year 's buffer - and I am still ending up short at the end of each year because Pennymac expects the previous year 's escrow reserves to be paid twice. 

Without the 2 month reserve/buffer, my annual property tax/insurance increase of XXXX should only require XXXX to be added to my total annual escrow needs ( XXXX = XXXX x XXXX = XXXX ) and only a XXXX dollar increase to my monthly escrow amount. My current escrow is XXXX. With the XXXX increase, my new escrow should be XXXX. When including the two escrow reserve payments of XXXX ( XXXX x XXXX ) and dividing that monthly, the reserves add an additional XXXX per month ( XXXX = additional XXXX. ). My new escrow payment should be XXXX ( new amount XXXX based on property tax/insurance increase, plus the XXXX reserve amount ). 

My mortgage payment should only increase by XXXX ( XXXX minus existing XXXX current escrow ). My new mortage payments should equal XXXX. PennyMac states my new mortgage payments should be XXXX - they are asking for XXXX MORE THAN REQUIRED BY LAW! For a XXXX dollar increase in taxes and insurance - PennyMac is asking me to pay XXXX annually, which is not warranted. 


I am fully aware of the requirements to have 2 months of escrow in reserves. I explained this over and over again on the phone to the PennyMac representative. PennyMac is unable to justify increasing my mortgage by XXXX annually for a XXXX dollar TOTAL increase in property tax and insurance. 

Nobody from PennyMac called me back or tried to call me back. The representatve I spoke to told me " PennyMac estimated a semi-Annual Property Tax payment of XXXX '' - which is illogical considering I never having paid less than XXXX for a semi-annual payment since I owned the home and my lowest semi-annual payment of XXXX was almost 10 years ago. I told her that did not make sense and she said she would look into what happened. 

PennyMac also states the following " The most significant factor affecting the payment increase in 2021 was an increase in both your taxes and homeowners insurance. This resulted in a projected escrow shortage of {$390.00} and a shortage in the reserve of {$690.00}. '' As calculated above, the total increase to my monthly escrow amounts should be XXXX. PennyMac is also denying that I made ( and that they received XXXX an additional payment last year THAT THEY BILLED ME FOR SEPARATELY based on their " recalculation '' of my escrow - which I have proof from my bank that I did pay. 

I do not want my case closed until it is fully examined by a CFPB examiner. Thank you.
Product: Student loan

Do you not actually read the complaints against your company? I filed a complaint stating I have been locked out of my online account since XX/XX/2018. I can not access records I need, because they are located in my online account. I stated to you THAT I HAD CALLED XX/XX/2018, to have this problem resolved. Yet in your answer to my complaint you wrote You must contact XXXX XXXX   to authenticate your account and request your account be unblocked. Again, I told you in my complaint that I made that phone call on XX/XX/2018. I expect to have access to my online account because there are pertinent records there of my forbearance, which is in question.
Product: Credit reporting or other personal consumer reports

I downloaded my report back on XX/XX/XXXX, and noticed there were several things that were not accurate and incomplete. According to the fair credit reporting act When 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. The following accounts are not complete and accurate. 
XXXX XXXX XXXX, XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Based on 15 USC 1681s-2 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.

They sent me an investigation back and said everything is complete and accurate but if you check my attachments everything is not complete and accurate.

In accordance with 15 USC 1681i 5 they are supposed to do a Treatment of inaccurate or unverifiable information ( A ) In general If, 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.

According to this law they are also supposed to provide me a description of the investigation according to 15 USC 1681i ( 7 ) : ( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description.

They did not do any of these things.

According to 15 USC 1681s-2 they are supposed 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

I sent Transunion a letter stated that the information about me working a XXXX XXXX XXXX XXXX  is not true. My daughter worked there. They claimed that an employer verified it that is fradulent. Then I called Transunion they claimed to have removed it and it was placed back on my Report in XX/XX/XXXX. I have proof I have never been employed there. 
this is fradulent information that they refuse to delete.
Product: Debt collection

I obtained items using credit through acima lending in XXXX. 
The pandemic nearly cost us everything and we faulted on this debt. Acima leasing told me that the debt was closed on XX/XX/XXXX. On XX/XX/XXXX they charged my debit card XXXX. The card they charged ( which is a new card ) they never had any information about. I never gave them the new debit card information or the new bank it was from. This information was obtained by them through possible illegal methods. I have the bank record to show that the charge date of XX/XX/XXXX. 
My best guess they are doing illegal activities to obtain this information without a court order. The main issue is that I am 100 % positive my new debit card information was never given to them ever.
Product: Debt collection

At XXXX p.m when I got off work I got XXXX phone calls that were suspicious. But out of curiosity I answered thinking it could be about a job opportunity. Then some people gave my name info and told me they were from this company called XXXX XXXX XXXX, and said that I had a open bank account from my social or something and that I owed XXXX dollars and that I could close it off by paying {$340.00}. I told them I was a kid and never done those things, but they insisted and if I didn't pay they will get the money from my social or take me to court! They asked for my credit card number and didn't want to but they said that ill end up paying {$180.00} to close that that fake debt they put on me and fell for it and gave them my credit card number!
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello : I paid sold my account to other identity, XXXX XXXX XXXX  send me the document My accoubtvus paid off and i request removed my account from my credit 4 years ago and I show in my credit like open. I want to remove that from my account. 
Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the student loan account with the credit bureaus for several attempts, to no avail. The student loan should not be reported on a credit report since this is a government funded loans and only private accounts should be displayed on a credit report..Worst, the student loan account is reported multiple times which is illegal, this requires immediate deletion.. 
US DEPT ED XXXX, US DEPT ED XXXX, US DEPT ED XXXX, US DEPT ED XXXX , US DEPT ED XXXX , US DEPT ED XXXX
Product: Credit card

Applied for a XXXX credit card, have excellent credit, not a great card in terms of interest rate, however I like flying XXXX and the bonus miles offer is intriguing. Submitted my offer and they demanded a copy of my social security card, a utility bill and my drivers license. I have never had to go through this for a mortgage loan, I said no way. The card is managed through Barclays Bank
Product: Debt collection

This debt collector has engaged in practices that violate the Fair Debt Collection Practices Act ( FDCPA ). They have reported an account that I did not consent to, and there is no signed agreement from me authorizing it. A valid legal contract requires the signatures of both parties, and I was not involved in such an agreement. Furthermore, they failed to adhere to the proper 5-step validation process as mandated by the FDCPA. These actions clearly infringe upon my rights under the law, and I am entitled to compensation for these violations. I demand the immediate removal of this accountfrommyrecord.
Product: Credit reporting, credit repair services, or other personal consumer reports

Chapter XXXX on XX/XX/XXXX has been dismissed on XX/XX/XXXX. XXXX, Transunion and XXXX are still reporting as pending/filed. Please removed this inaccurate information from all three major credit reporting agencies. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to work out a forbearance agreement with my lender, XXXXXXXX XXXX servicing since XX/XX/XXXX due to Covid 19related job loss and financial hardships directly due to Covid 19. The lender has stalled during the whole process with requests for documentation, and denials for assistance for over a 15 month period. They have finally agreed to a loan modification with extremely higher rate and terms and have reported my loan late several times over from XXXX to XXXX. I have requested verification from dispute thru credit agencies and not resolved. I have contacted lender direct and they have updated credit report showing loan is even later than 180 days on 5 occasions! I would like to file a complaint formally with a state agency or get this resolved so i can get a new loan and refinance this lender out! 
Please help
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
I told the XXXX, XXXX, and Equifax to reinvestigate this account from XXXX XXXX XXXX XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681 ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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 or other personal consumer reports

In accordance with the fair credit reporting act. The list of accounts below has violated my protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX account # XXXX XXXXXXXX XXXX XXXX XXXX  XXXX 15 U.S.C 1681 section 602 A. States I have right to privacy 15 U.S.C.

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 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 that 7 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 the information is accurate.
Product: Checking or savings account

On XX/XX/2023, I initiated a bank-to-bank transfer from my XXXX XXXX  account of XXXX XXXX dollars to my Bethpage Account which I have done numerous times in the past. The receiving bank Bethpage says they never received the funds. However, XXXX has sent me all the confirmation transaction information. I have been on the phone with XXXX and Bethpage for the last XXXX XXXX months with multiple calls between the two and up to now Bethpage won't take responsibility, but their customer service department is way above chase. I only interact with one person at Bethpage. That part I am grateful for. Bethpage claims they never received it and its XXXX fault. While XXXX claims they did send because they debited my account and have proof. That doesn't help me since I am still out my XXXX XXXX dollars and unable to pay my mortgage.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX  debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the Polaris letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Product: Mortgage

Hi, Between XXXX I and my wife XXXX XXXX lost pay form our employers. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The XXXX  mortgage collapse caused this problem, so we were not able to make our mortgage payments to Wells Fargo Bank. So, we tried to modify our loan with with Wells Fargo 's refinance mortgage department under hardship. We submitted everything the bank requested and after going back and forth we finally got and approval letter letting me and my wife know that we qualified for a mortgage loan modification consistent with the hardship we were dealt with under the XXXX  housing mortgage crash. Well, Wells Fargo bank reneged on their promise to modify our mortgage loan. 
Through out the process of trying to modify our loan with there was a credit collection agency from Wells Fargo bank that consistently harassed me and wife wife to try and collect money that me and wife could not pay because my wife lost her job and my work ours hours were reduced. We were consistently threatened with foreclosure on our home by the collecting agency. So, after 12-24 months we were forced to pay mortgage back pay money which summed about {$14000.00} to {$16000.00} .This money that we had to pay back depleted me and my wife 's life savings account. This created more uncalled hardship. Me and my wife had to ask our parents for help to make ends meat. 
Wells Fargo bank just made false promises and gave me and wife the runaround and charged us delinquent fees too.