23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

On XX/XX/2021 my lender, Homestar, paid three parcels from my escrow to XXXX county Taxes. I'm only supposed to pay for parcel number # XXXX XXXX and # XXXX XXXX. 
However, they also paid XXXX XXXX. Also, my property taxes weren't due until XX/XX/2021 but they said they paid in bulk to my county. However, my county never received payments for my property taxes as of XX/XX/2021 and could not cancel the taxes my lender paid from my escrow causing it to be short. 

I asked them if they could wait to do the escrow analysis until the payment was rejected by XXXX county tax office and they said they could not guarantee that and it was up to me to get the payment cancelled. How can I cancel a payment that was never sent? 

They also stated that because I was on forbearance I could not pay my escrow shortage until I was caught up on my payments even if I went on payment plans. This was not explained to me when I signed up for the forbearance program.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received a copy of my ( Experian, XXXX, or XXXX ) credit report, and an erroneous late payment posted on my credit report : XXXX XXXX XXXX XXXX Account Number : XXXX The company is in clear violation of the law, Under 15 USC 168 1b - permissible purpose of consumer reports, THE LAW CLEARLY STATES ( a ) IN GENERAL Subject to subsection ( c ) 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.

I DID NOT EXTEND WRITTEN INSTRUCTIONS TO FURNISH THIS ACCOUNT ON MY CREDIT REPORT. 

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 3 ) EXCLUSIONS. -- Except as provided in paragraph ( 3 ), the term consumer report does not include -- ( A ) Subject to section 1681s-3 of this title, any -- ( I ) Report containing information solely as to transactions or experiences between the consumer and the person making the report ; Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681.

Moreover, the funds for my mortgage payment were available in my account on the day the mortgage was due, however the bank did not process the mortgage payment the same day the money was available causing a late payment. The automatic payment was processed 1 day after the funds were available. This caused a late payment to be reported on my credit report, and negatively impacted my credit. I have attempted to resolve this with the mortgage company and the credit reporting agencies, with no reasonable consideration to a resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to file this complaint because I didnt authorize XXXX XXXX XXXX they already started using the account it already has XXXX dollars on there.
Product: Debt collection

Phone calls 2 times a day almost daily. Calls at XXXX XXXX  and several times after XXXX. Calls on weekends, even after telling them to stop calling me and that the debt amount is not accurate.
Product: Checking or savings account

On XX/XX/XXXX I opened a regions acct about 1 week or so after I got the card in the mail I went to the XXXX XXXX branch to deposit funds which they said I will be able to use my account in 24/48 hours. My deposit was forced into the acct apparently. If an alert or something was on the acct why would they waste my time in me putting my money there? They wont fully close the acct or give me my money back they basically said I need to wait 120 days to get my money they shouldnt have let me find it knowing that it wouldnt be able to be used
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  ( Bank ) XXXX XXXX, XXXX XXXX XXXX XXXX ( Bank ) XXXX XXXX, XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX ( Retailer ) XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

after submitting request to delete all you said you deleted you come up with this stuff XXXX XXXX  XX/XX/XXXX XXXXXXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX i dont have a card from XXXX XXXX so they should be deleted and i only have 2 cards from XXXX  so 2 are good and 2 arent
Product: Credit reporting, credit repair services, or other personal consumer reports

There are two collections account in my credit that I do not recognize, I have no knowledge of these account .Factual information is attach for you to review, please remove these account.
Product: Credit reporting or other personal consumer reports

I tried to dispute some inaccurate information on report and they did not fix it nor update my report
Product: Debt collection

this account is on my credit. i have contacted this company and they can not supply any signed agreement holding me responsible for this debt. i was also advised by supervisor that statue of limitation on that debt was 2015.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed an unfair charge on my Equifax report 1 time through XXXX XXXX and then 8 additional times directly on Equifax, but Equifax refuses to remove it from my profile. I have been reporting this since XX/XX/2021 and even the company that sent them the supposed debt already verified and agreed over 2 months ago that I do not owe anything, but Equifax refuses to remove it. Every time I apply for credit cards or loans, are denied just because of this derogatory mark Equifax refuse to remove from my profile for no apparent reason. They refuse to answer any questions. I need law enforcement in this case.
Product: Debt or credit management

Tally XXXX XXXX XXXX XXXX transferred balance to XXXX XXXX XXXX  after Tally decided to stop providing all services and announce it's closing shop. I signed up for a fixed price loan to pay down credit card debt not XXXX XXXX XXXX and the variable rate & late fees they are charging because they failed to transfer autopayment. Plus, website is suspicious and looks like a typical phishing site, and their phone number registers with XXXX XXXX XXXX as spam and that is easily blocked especially during an election year. Who picks up known, identified spam calls?

I already made a one-time payment in an attempt to pay the balance off, but honestly still not sure if that site is real and I expect my identity to get stolen or they come back with more charges. 

Filing Violated TSR. 

Protect consumers from abusive credit repair companies. Charging fees for services they didnt provide. 

We all signed up for a company that would manage our credit cards and help our credit scores. In the end, they charge us fees and are now passing on balances to a credit collection agency, which will now be reported to our credit bureau and intern will ruin our credit scores. This is not what they advertised, If it was, we wouldve never agreed to work with Tally.

I hope to never deal with this poor XXXX practice again, and the BBB should be involved as well. Tally was wonderful while it lasted.
Product: Debt collection

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I believe I am a victim of identity theft. Due to the Pandemic, we have been facing a lot of problems in terms of financial, emotional, and physical aspects. Also, I have been hearing a lot of recent news that the Bureau is having data and system issues. I disputed the fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I have done many attempts to reach out to the XXXX and XXXX Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.
Product: Student loan

On XX/XX/2021 I placed a request for my XXXX service award to pay off my Sallie Mae student loan. Sallie Mae declined the check. After that initial denial, I called Sallie Mae and asked for the specific address and all information needed to send the payoff amount to and specified that the payment would be coming from XXXX. I spoke with two people on the phone from Sallie Mae 's customer service. Despite this, the payment was declined again on XX/XX/2021. Since the initial refusal on XX/XX/2021 to accept the payoff amount, I've accrued more than {$420.00} in interest on the loan and paid {$1100.00} on the loan. As a XXXX XXXX XXXX hoping to pursue a XXXX XXXX to further my XXXX  to my XXXX  this has set me back financially and Sallie Mae has demonstrated no willingness to help with the problem. I called them again after the XX/XX/2021 denial and they refused to offer any alternative method of receiving the payment. I'm thus left with no alternative but to continue to make payments until they accept the payment from XXXX, which I earned by working in a XXXX XXXX XXXX for two years, which I continue to do today.
Product: Credit card or prepaid card

There was a charge made by XXXX XXXX XXXX XXXX XXXX out of XXXX, VA for {$4000.00} on my Capital One Venture card and when I attempted to dispute this as fraudulent Capital One is still refusing to return the funds. I contacted XXXX XXXX XXXX and Capital One and nobody can provide me with any of my signatures, any document with my name on it either. I've attempted multiple times to resolve this issue but I am not getting any luck. I hope Consumer Bureau will be able to resolve this huge amount made on my account.
Product: Credit reporting or other personal consumer reports

I hope you are doing well. Despite our previous correspondence and my ongoing efforts, the fraudulent items remain on my credit report. I kindly request that you escalate this matter and take all necessary steps to thoroughly investigate and remove these fraudulent items from my credit file. Transparent communication about the progress and actions being taken to resolve these issues would be greatly appreciated. I understand that addressing cases of fraud can be complex, but it is crucial that we work together to expedite the resolution process. Your cooperation and assistance in this matter are essential to achieving a satisfactory outcome. The following items should be removed as soon as possible : EXPERIAN : XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance XXXX {$0.00} XXXX  XXXX Balance : {$110.00} XXXX  XXXX XXXX  XXXX Balance : {$2400.00} XXXX  XXXX Balance : {$4000.00} XXXX : XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$110.00} XXXX  XXXX XXXX  XXXX Balance : {$2400.00} XXXX  XXXX Balance : {$4000.00}
Product: Credit reporting or other personal consumer reports

I am sure you are aware that it is against the law to threaten suit without any intention of doingso. Therefore, be advised that I am extremely serious about filing suit against your company. I have sent numerous letters requesting for you to investigate and remove all inaccurateinformation that is being reported on my personal credit profile, yet you continue to fail to do soIt is my understanding of the law that you MUST honor each and every request to investigateincorrect information and you seem to have ignored all of my previous requests. 

XXXX - XXXX - This account in involved in litigation - I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX mo ) XXXX XXXX XXXX. I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefor exist XXXX XXXX XXXX - This account in involved in litigation - I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX mo ) XXXX XXXX XXXX. I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefor exist XXXXXXXX XXXX - XX/XX/year> - Verify that these inquiries belong to me. - The following inquiry was not authorized and should not be reporting. 

XXXX - XX/XX/year> - Verify that these inquiries belong to me. - The following inquiry was not authorized and should not be reporting. 

XXXX - XX/XX/year> - Verify that these inquiries belong to me. - The following inquiry was not authorized and should not be reporting. 

XXXX XXXX XXXX - XX/XX/year> - Verify that these inquiries belong to me. - The following inquiry was not authorized and should not be reporting. 

XXXX XXXX - XX/XX/year> - Verify that these inquiries belong to me. - The following inquiry was not authorized and should not be reporting. 

XXXX - XX/XX/year> - Verify that these inquiries belong to me. - The following inquiry was not authorized and should not be reporting. 

XXXX XXXX - XX/XX/year> - Verify that these inquiries belong to me. - The following inquiry was not authorized and should not be reporting. 

XXXX - XX/XX/year> - Verify that these inquiries belong to me. - The following inquiry was not authorized and should not be reporting. 

XXXX - XX/XX/year> - Verify that these inquiries belong to me. - The following inquiry was not authorized and should not be reporting. 

XXXXXXXX XXXX  - XX/XX/year> XXXX XXXX XXXX XXXX - XX/XX/year> XXXX XXXX XXXX XX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX  XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX - XX/XX/year> That is a crystala clear violation of the Fair Credit Reporting Act which provides a cause of action for an individual consumer as well as penalties and liabilities for both consumer reporting agencies and furnishersof information for non-compliance as a violation of its provisions.
Product: Money transfer, virtual currency, or money service

I logged into my mobile banking to process a XXXX transaction to a pay an indvidual the amount of XXXX. I received a message that the individual needs to accept the payment via a email or text message. 5 minutes after sending the funds i received a message that asked me to acccept the XXXX transaction. I did so. I logged back into my account to confirm and realized I was charged twice in the amount of XXXX. I called chase bank who said both transactions wer sent. But that 1 transaction would take a day for the receipt t to receive. I told chase bank to cancel that transaction sine the individual has mot received it yet. Chance bank said they could not cancel because it was with a third party ( XXXX XXXX and that i should call XXXX to have it cancelled. 
I called XXXX at XXXX, explained to the rep what had occurred. The representative said XXXX could not assist my at all. He said XXXX can not see transactions or help with issues and that i had to call my back for a resolution.
Product: Debt collection

CAPIO PARTNERS has inserted an account in the amount of {$1100.00} representing XXXX XXXX XXXX XXXX. I have never had any business or obligation with CAPIO nor XXXX XXXX XXXX have I ever signed any form related to release any medical history to any companies. This is entirely against HIPPA. I am a victim of identity theft and there is a fraud alert on my credit file. I have also informed CAPIO of this status. CAPIO PARTNERS can not provide a contract bearing my signature that I have any obligation that I would owe or ever owed them any monies. CAPIO PARTNERS has never contacted me regarding the attempt to collect a debt yet they just inserted onto my credit file without warning. there is no contract and never has been one. there is no legal proof bearing my signature that proves that I indeed owe monies.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called Transunion LLC about the deletion of unauthorized hard inquiries on my consumer report in XX/XX/XXXX. They directed me to call the creditors to have them request that the inquiries be removed from my consumer report. I called the creditors but was not able to reach anyone that could help me. 

On XX/XX/XXXX, I sent 10 letters to Transunion LLC at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX to demand deletion of each inquiry reported on my consumer report where my consumer report was obtained without my authorization or permissible purpose under the FCRA. I requested the following inquiries be deleted ( letters attached ) : 1. XX/XX/XXXX, XXXX XXXX via XXXX XXXX XXXX XXXX 2. XX/XX/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 via XXXX XXXX Transunion sent me a letter on XX/XX/XXXX on file number XXXX that does not adhere to my request to promptly delete the unauthorized inquiry or if they conclude that the inquiry listed is verified, I request details of their method of verification ( letter attached ).
Product: Credit reporting or other personal consumer reports

My information was disclosed to a third party without my permissible purpose! 

As per the FCRA, as a Federally Protected Consumer, I am now OPTING OUT of ANY and ALL Authorization ( XXXX ) that I, XXXX XXXX XXXX, may have given the data furnisher ; whether written, unwritten, verbal or non-verbal as per : 12 CFR 1016.7 ( a ) ( 1 ) ( ii ) - Form of opt-out notice to consumers ; opt-out methods 15 USC 6802 ( b ) ( 1 ) ( A ) ( B ) ( C ) - Obligations with respect to disclosures of personal information ***This Opt-Out Authorization is effective IMMEDIATELY and INDEFINITELY!
Product: Mortgage

I was told by Shellpoint that my escrow account had been credited {$530.00}. They provided fabricated documentation that it had been. This mistaken payment was for incorrectly paying earthquake coverage from my escrow account after I had paid it directly. 

Per the attached documents, which they are not reading, the escrow analysis shows no credit. Therefore, my escrow account shows a shortage. I am being asked to provide an additional $ 75/month is escrow shortage. 

Please do not copy and paste from a prior complaint. I will continue to file complaints until you address the escrow shortage complaint and reduce the escrow shortage. A recalculation document is required under the law.
Product: Credit reporting or other personal consumer reports

I appreciate your assistance in removing part of the fraudulent information from my credit file, but XXXX is still unresolved items that should be removed. Under FCRA Section 605, you are required to remove any inaccurate records. I have already provided this documentation in a previous letter, and I am including it again. My attorney is fully aware of the situation and is ready to hold you accountable for your ongoing non-complianceXXXX XX/XX/year>
Product: Credit card

XX/XX/2016 - Checked my credit report and found inquiries from company on the following dates : XX/XX/2016 XX/XX/2016 I did not put in an application for this company and my credit report should not have been run.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Collection Company They committed more than XXXX violation, XXXX XXXX Code Sec XXXX Validation of debts, They didn't provide me with the XXXX things that constitute to validating the debt and even that's not validation because if they send me that, It is an allegation unless I XXXX XXXX XXXX Sec XXXX ( a ) and ( b ) and I can keep counting on violations. 

I have never give them a written consent ( XXXX XXXX Sec XXXX ( a ) XXXX ) to furnish anything in my credit report agency, specially a alleged debt that is not mine. 

I have disputed the alleged collection with Experian and XXXX several times, and they have failed to verified. How can they verified if the collection company cant even validate this alleged debt.
Product: Credit reporting or other personal consumer reports

I am filing this complaint due to XXXX and Experian 's refusal to provide the necessary documentation to support my identity theft investigation. Despite my requests, neither bureau has supplied the transaction histories ( merchant names, dates, and authorization details ) for the disputed accounts tied to XXXX XXXX, XXXX, and XXXX XXXX. Without this information, I can not file a police report or investigate further.

Both bureaus have denied my request to block these accounts without transparency about the evidence used to make that decision. Their refusal to provide the documentation is preventing me from resolving this issue and appears to be an attempt to avoid dealing with the fraudulent disputes that may arise.
Product: Credit reporting 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.

Account Name : XXXX # XXXX Account Name : XXXX XXXX XXXXXXXX # XXXX Account Name : XXXX XXXXXXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX 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

Any information that are inaccurate and/or outdated must be deleted immediately from my credit report as they are not reportable as per the FCRA since they are inaccurate. 


INCORRECT ADDRESS, PLEASE DELETE THIS FROM MY CREDIT REPORT! 

XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX, NJ XXXX Transunion XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX # XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX A XXXX, NJ XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX FL XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX
Product: Debt collection

I OPENED A SECURED CAPITAL ONE CREDIT CARD AND GAVE THE {$200.00} DEPOSIT!! I HAD SET UP AUTOMATIC PAYMENTS OF {$25.00} MONTHLY TO RAISE MY CREDIT, THEY ALWAYS TRIED TO COMPLETE THIS TRANSACTION DURING WEE HOURS LIKE XXXXXXXX XXXX WHEN I LOCK ALL MY OTHER CREDIT CARDS BECAUSE I WAS HACKED BEFORE AND LOST OVE {$600.00}?!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft.These accounts/ items/ inquiries are unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescindXXXX XXXX XXXX XXXX XXXX NY XXXX, XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXXXXXX XXXX NY XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$2600.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$3300.00}