23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I believe that I am being overcharged for taxes and insurance on my loan. Mr. Cooper refers to these as escrow charges and they make up XXXX XXXX of my current loan payment. The original principal balance on the loan was {$60000.00}. I have made roughly {$72000.00} toward payment on the loan, and my current principal balance is still approximately {$62000.00}. Indeed, most of the money is going to toward payment of taxes and insurance rather than paying down principal and interest. This result can not be permissible. 

I am insolvent. Any assistance would be greatly appreciated
Product: Credit card or prepaid card

I made a purchase on XX/XX/18 in the amount of {$140.00}. I subsequently returned the package. After approximately 30 days I contacted the merchant who explained that they don't issue a credit back to the card but rather issue a check. 
At this point I opened a dispute with HSBC and received a credit on XX/XX/18. 
The amount was charged back to my account on XX/XX/18 because the merchant told the bank they had mailed a check. I never received a check so they will have no copy of a cancelled check with my endorsement or account number. 
XXXX XX/XX/2018 XXXX XXXX XXXX XXXX REF NO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I submitted a dispute with Equifax on XX/XX/23 and in less than 24 hours Equifax says the investigation was complete. Equifax if setting it up so that they can say that they investigated my dispute and deem any follow up dispute frivolous and so that they don't have to investigate it.
Product: Credit reporting or other personal consumer reports

My issues started sometimes in the beginning of XXXX. I was no longer able to check my credit score on the Equifax website. To my surprise, I wasn't able to see anything on my profile. This may be a coincidence but on XX/XX/XXXX I went on a date with an employee from Equifax. His name is XXXX XXXX. When I asked him what he does for a living he said he works for Equifax ( I believe he is XXXX XXXX XXXX XXXX XXXX  but can't be sure ). I said " Oh I have an excellent score '' to which he replied " Oh I can " fix '' that for you ''. I thought he was joking but after I refused to go on second date with him and not pursue a relationship with him, and after he slandered me to a client which caused me to lose that client, I decided to check on my credit score. When I wasn't able to see it I started to panic and went to check it on XXXX XXXX where I saw that my score indeed went down. 
I called Equifax and told them my concern : 1 ) I am unable to see my credit report details & credit score ; 2 ) I am concerned with the fact that my credit score went down after I refused to go on a XXXX date with their employee and fear he might have access to my private info. 
I shared my concerns with XXXX employee id : XXXX who said she opened a case. # XXXX After not hearing from them I called again on XX/XX/XXXX and spoke with XXXX employee id : XXXX ( office of consumer affairs ) who opened another case case XXXX, because the first one was not correctly opened. 

No word from them so I called again on XX/XX/XXXX. Allegedly my account got flagged by someone ( they refused to disclose who ) and that's why I wasn't able to see my info. I provided all requested documents ( drivers license and SSN ) several times during several phone calls I got reassured that the issue would be resolved but it hasn't. At that point I asked them to cancel my account. 

On XX/XX/XXXX I checked to see if the account was cancelled and it was still active. XXXX XXXX XXXX sent the request to technical department to delete the online equifax account XX/XX/XXXX. 

Every time I call I spend at least XXXX h / call, I run into incompetence and a lack of desire to have my concerns addressed, especially the one that required an internal investigation into the potential abuse of power from one of their employees. It's been exhausting and my XXXX  really is through the roof because of my experience with Equifax, their refusal to address my concerns or escalate the situation to a higher level who could.
Product: Mortgage

I contact Mr. Cooper on XX/XX/XXXXXXXX XXXX XXXX XXXX. I asked them to re-look at my lawn modification because I can not afford it. They told me to contact Fha because they have to Compliant with Fha with the rules and regulations. I contacted FHA XXXX XXXX and I was told effective XX/XX/XXXXXXXX XXXX XXXX XXXX. Its a new regulation that has been approved that offers them to lower the payment and put the payments back by XXXX years. I sent the information that I got from FHA. They told me they have to implement this and they will not look into my loan to help implement this.a mortgage company were to offer a modification that requires payments exceeding a homeowner 's income, it could put the homeowner at risk of defaulting on the modified loan, potentially leading to foreclosure. Additionally, offering a modification that is not feasible for the homeowner could be considered predatory lending or a violation of lending regulations.
Product: Money transfer, virtual currency, or money service

Company is third party service they refuse to review any checks I try to deposit and now refuse to let me use the service
Product: Credit reporting or other personal consumer reports

I am contesting the presence of inaccurate personal information on my credit report. The following information does not pertain to me, and I have no association with it. I request the immediate removal of this information from my credit report. 

Inaccurate Information : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NY, XXXX and XXXX XXXX XXXX, XXXX, NY, XXXX
Product: Credit reporting or other personal consumer reports

This CFPB compliant has been filed to request pursuant to FCRA 605B Under 15 USC 1681c-2c ( a ) the credit reporting agency must block and remove any alleged pieces of information the consumer considers identity theft within 4 business days of receiving a complaint consisting of the information below XXXX XXXX {$3300.00} This credit account is the results of identity theft and fraud.
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. 

XXXX XXXX : # XXXX, XXXX : # XXXX, XXXX XXXXXXXX : # XXXX, XXXX XXXX XXXX XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) : # XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) : # XXXX, XXXX : # XXXX, DPT EDXXXX : # XXXX, DPT EDXXXX : # XXXX, XXXX XXXX XXXX : # XXXX, DPT EDXXXX : # XXXX, DPT EDXXXX : # XXXX, DPT EDXXXX : # XXXX, XXXX : # XXXX, DPT EDXXXX : # XXXX, DPT EDXXXX : # 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.

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 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

I have been disputing mXXXX XXXX XXXX account for some time and it started on XX/XX/XXXX where i sent my XXXX XXXX  of disputes to Transunion. On XX/XX/XXXX i sent round XXXX XXXX  of disputes to Transunion, with no response back. On XX/XX/XXXX I sent round XXXX of disputes to Transunion, no response back. On XX/XX/XXXX I sent round XXXX of disputes to Transunion, no response back at all and nothing since then.
Product: Mortgage

XXXX sold my loan as of XX/XX/2018 i received a letter middle XXXX stating such, They sold my loan to Specialized Loan Service LLC XXXX this company has not only never sent me any info, ,After many calls to XXXX XXXX i got the new loan number and just mail certified mail, Ive called for 5 days never to chat went on line like XXXX XXXX told to do to XXXX  sight says i dont have a account,, The rules state they suppose to contact me within 15 days of date new service. They did not. The complaints on ; line scare me, and 364.., They should be check out,, When i phone got code and said i have not paid XXXX payment ... I paid XXXX  this payment and have print out to prove this,,, ,XXXX XXXX got my loan XX/XX/2018 But wouild not even take a payment stating my account was not active///// ... Please help me i dont want the company to mess up my go credit,, XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). 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. ( A ), please investigate the unverifiable item/accounts/information below : BANK OF AMERICA XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX account reporting on credit report. XXXX charged off account and did not provide a cancellation of debt and is reporting the account past due which violates the 15 usc 1681 eb fair reporting act. 

Account balance {$2100.00}
Product: Vehicle loan or lease

The account in question was charged off in the amount of {$12000.00} and is reported as being 100 % paid off however I hav not received a 1099c in order to file with the IRS or the title to my vehicle.
Product: Credit reporting, credit repair services, or other personal consumer reports

1. XXXX XXXX is reporting the following accounts removed which clearly is not true. XXXX XXXX is reporting accounts removed but the accounts are still listed on my XXXX XXXX Transunion and XXXX profile : XXXX XXXX and XXXX XXXX 2. XXXX XXXX is fraudulently reporting XXXX XXXX with remarks updated and added. There are no remarks and no updates
Product: Credit reporting or other personal consumer reports

* I am writing to dispute a fraudulent account that appears on my credit report. The account details are as follows : - **Account Name : ** XXXX XXXX XXXX XXXX ( Also known as XXXX XXXX XXXX XXXX ) - **Account Number : ** XXXX - **Date Opened : ** XX/XX/year> - **Balance : ** {$190.00} This account was not authorized by me and was opened as a result of identity theft. I have never had any dealings with this company and did not consent to this account being opened in my name. This fraudulent account has severely impacted my creditworthiness and has caused undue stress and hardship. This account was previously removed from my credit report but has inexplicably reappeared. I am requesting its immediate removal once again and that it be permanently blocked from reappearing on my credit report. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c-2, I am entitled to have fraudulent information resulting from identity theft removed from my credit report. Additionally, Californias Identity Theft Protection Act ( Cal. Civ. Code 1798.93 ) reinforces my right to dispute and demand the removal of fraudulent accounts. This repeated reappearance of the account violates my consumer rights under both federal and state law. I demand that this account be removed and blocked from my credit report permanently and that I receive confirmation of this action in writing. Failure to comply with this request will leave me with no choice but to pursue further action, including legal remedies under the FCRA and California state law.
Product: Checking or savings account

On XX/XX/XXXX, I withdrew {$32000.00} from my account at XXXX and purchased a cashiers check. I went to Bank of America and deposited the cashiers check in to one of my DDA accounts. Bank of America placed a 10 day hold on the cashiers check stating they dont know when they would get the funds. I tried to get the hold removed on XX/XX/XXXX and again on XX/XX/XXXX! With real time payments we all know the funds were at BofA and you can not put a stop payment on a cashiers check. Why do they still have the outdated 10 day hold?? They are denying me access to my cash deposit as a cashiers check is supposedly the same as cash!
Product: Debt collection

XX/XX/XXXX Wednesday, I called Pacific Retrieval LLC because I received a collection notice that I Owe XXXX to their client XXXX XXXX XXXXXXXX XXXX, when the representative got on the phone he already had a attitude & was talking rude when I started to talk I told him I am glad that this call is being recorded he then proceeded to interrupt me and tell me I was badgering him and that he will Sue me and take me to court & get my money & he was gon na give me XXXX more chance to talk nice when I started to talk he then interrupt me again rudely and started saying things, I just hung up, I then proceeded to call back & try to talk with someone else & they refuse to help me & hangup on me. This debt is not mine apparently in XX/XX/XXXX I sold a car sent in my release of liability to XXXX. They got this car in XX/XX/XXXX & apparently the person I sold it to did not register it with XXXX, Ive sent a email with copies of everything, Im sending them a certified letter with A copy of bill of sale. They refuse work with me & want to just get a judgement against me even with the proof in front of them, its impossible to talk to anyone over there.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my FURTHER endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX  XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX  XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX Balance Owed : {$13000.00} XXXX  XXXXBalance Owed : {$110.00} XXXX XXXX XXXX XXXX Balance Owed : {$150.00} XXXX XXXX XX/XX/2021 XXXX XXXX XXXXXX/XX/2021
Product: Credit reporting, credit repair services, or other personal consumer reports

Last year in XXXX, I tried to dispute an account on my credit report listed as XXXX/XXXX, through Experian 's online dispute center. I had listed as the reasoning behind my dispute as that I had no knowledge of this account, & that I have never received any mail, calls, or notifications regarding this supposed debt. It was never removed or updated on my credit file back then, even though I was sure that I had never had an account through XXXX in the past. Recently, since I didn't have time available in the past to fully review my report details for any discrepancies, I cleared a day out of my busy schedule to go over my accounts listed. After viewing this XXXX/XXXX account again, I noticed that the last time it was udated was in XXXX, & under the dispute comments from XXXX, it specified that this debt was transferred to another lender. So why is this supposed debt still on my report, when it obviously wasn't verified extensively? If the only information given to the credit bureau from the initial lender, was that it was transferred to someone else, then how is this perceived as acceptable proof without any documentation to support this company 's accusation pertaining to this supposed debt, if they have no record of the supposed transaction? Also, when I tried to re-dispute it, it said that I was not allowed to dispute it again but could upload any documentation or proof pertaining to my previous claim, & it will be reviewed. How am I supposed to submit any documentation in reference to this supposed debt, if I don't have anything to submit, & the lender apparently couldn't even supply it to them! Obviously, if I didn't receive any communications at all from the company, how am I supposed to provide any proof to my claim that the debt is not mine? This is the most ridiculous thing I have ever heard of, and it is their fault for not verifying it properly the 1st time when I disputed it.
Product: Debt collection

I received a copy of my consumer report and noticed a late payment on an account that I am requesting to be updated to paid on time, never late. The account is as follows : XXXX - XXXX Your organization has contravened my consumer rights as outlined in the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681. This violation has caused me emotional distress and has recently XXXX XXXX XXXX ; therefore, I request that this issue be resolved in a fair and equitable manner, in accordance with the principles and provisions of the FCRA. 

15 U.S. Code 1666b - Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 

Your agency is the creditor and the open end consumer credit plan is the credit card account of the consumer, which is me. 

Late payments can not be reported if the consumer was not notified 21 days prior to the due date. It should state " mailed or delivered '' to the customer. 

In addition to being in violation of federal law, the reported late payments have harmed me by defaming my reputation and constitute aggravated identity theft on the part of your agency. This is because I did not provide written consent for you to report this information, which is a clear violation of the Fair Credit Reporting Act 's permissible purposes section ( 15 USC 1681b ( 2 ) ).
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX I need to know who the original creditor is because this account isnt familiar to me. I dont agree with it. Would you agree? Im just trying to be real and honest.
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 
Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) 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-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. 

XXXX XXXX is reporting a past-due balance on a collection account
Product: Debt collection

I had sent a verification request to this company and to date they have yet to respond. In the dispute letter I listed the items I need in order for me to verify it. See attached. Wells Fargo claims that I owe them a debt and that they have suffered a loss from lending me money however when I requested the Generally Accepted Accounting Principals ( GAAP ) bookkeeping entries that proves creditor has suffered a loss they never responded. This is false and deceptive collection practices. Additionally, they reported an additional account on my transunion consumer report and that account has the same account number, balance and collection status except that it is being reported as a mortgage clearly showing that they are willing to violate the Fair Credit Reporting Act as well. See attached exhibits. If this agency continue violating the procedures and requirements of both Fair Debt Collection Practices Act and Fair Credit Reporting Act, I will seek legal action as they are falsely sharing information on my consumer report thus defaming my character.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.