23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

XXXX XXXX was taken out of our account illegally by Ocwen/Phh mortgage for the escrow account. We paid our taxes and insurance until late XXXX. We did not have an escrow for XXXX or XXXX. They now have fraudulently tried to paste the numbers in forged spreadsheets sent to me on XX/XX/XXXX. They have pasted numbers in different years trying to hide the deception. Just follow what I am showing you with the attachments. It's unreal. 

Here are the amounts they have stolen and now have committed fraud by covering it up. They sent me forged spreadsheets that do not match my past escrow documents. The fraud is so horrible I can not believe they did this. This over XXXX they have forged numbers in our escrow account. It all shows they repaid it then they subtracted it back out. It's disgusting. How is the government not shutting them down? This is our freaking mortgage they are destroying. I have complained over and over and nothing is being done to them. I had to sign a modification because they stole all our money from escrow. Okay, I am crying now. Then they charged us over XXXX in XXXX extra for the modification due to them stealing all the funds and making us delinquent. It's sick. They tried foreclosing on us in XXXX and the entire time they were taking money from us. We had to pay more than XXXX to stop the foreclosure. On XX/XX/XXXX they tried forclosing when we had paid all our payments. They were charging escrow when we didn't have one to foreclose us. It's criminal and I am just so upset about what they have put me through. I want help, please. LOOK AT ALL THE FAKE PASTED NUMBERS! Look at the 2 spreadsheets and you tell me how bad they steal. They charged me for insurance and taxes when I paid them! If they would not have stolen from us we would not have gone into foreclosure and had to pay XXXX for attorney plus XXXX for modification. I want it all refunded now. I want every fake NSF fee, late fee, long-form fee, breach letter fee, corp advancement fee, and all other stupid fake fees returned. 



XXXX. XX/XX/XXXX XXXX XXXX. XX/XX/XXXX XXXX XXXX. XX/XX/XXXX XXXX XXXX. XX/XX/XXXX XXXX XXXX. XX/XX/XXXX XXXX XXXX. XX/XX/XXXX XXXX XXXX. XX/XX/XXXX XXXX XXXX. XX/XX/XXXX XXXX XXXX. XX/XX/XXXX XXXX XXXX. XX/XX/XXXX XXXX XXXX. XX/XX/XXXX XXXX XXXX. XX/XX/XXXX XXXX XXXX. XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has reported I opened an account XX/XX/2021 and I owe them {$320.00}. I do not owe them. I did not open an account with them.
Product: Credit card

The whole process has been confusing and frustrating. Opened a card with XXXX, but was never prompted to make an account with the credit issuer ( Synchrony Bank ), and never received account information, so was unable to see card information or log in to XXXX to pay. The only option I had was to click pay as guest in the emails they sent. Incredibly shady and predatory, they purposefully obfuscate the process of managing your card.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA XXXX XXXX you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX FL XXXX ; XXXX  XXXX Balance : {$390.00} ; TXXXX XXXX  Balance : {$290.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX  XXXX Balance : {$2600.00} ; XXXX XXXX XXXXXXXX Balance : {$930.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1300.00} ; 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 XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I became a soul proprietor this year so I'm rally going through my finances this year for the first time. Going through my Amazon/Synchrony statements I noticed a " protection '' fee. After calling Amazon I was told to call the number on the statement. After calling the customer service rep told me that I have been paying this fee since XXXX! I never signed into this and if I did I was surely unaware of a fee. After cancelling the service I did my due diligence and started searching online to find out that they others have gotten full refunds when this has happened. I was told I was over the " XXXX days ''. This is absurd.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account was charged off and I paid XXXX directly. I was told that once paid account would be deleted from credit report. Over the years I didn't realize that it was still showing and as a negative account. Called them and was told there's nothing they can do I have to wait for it to fall off ny report. So basically they lied for me to make the payment then didn't keep up with their end of the bargain
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
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 XXXX XXXX
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in 60 days to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( 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, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports XXXX
Product: Credit reporting, credit repair services, 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 XXXX XXXX : # XXXX, XXXX XXXX ( XX/XX/2022 ) Inquiry, XXXX XXXX XXXXXXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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, credit repair services, or other personal consumer reports

I sent a letter regarding inaccurate and unknown addresses and incorrect payment history on my credit report. I have not received any response yet. I feel like im being taken advantage of and being ignored of my disputes. section 611 ( a ) it plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 60 days so they should be deleted promptly. I demand these accounts to be deleted immediately or I will file for litigation due to the stress you caused me. my information was also impacted by the XXXX  data breach and may have got into the hands of the wrong person.
Product: Debt collection

XX/XX/XXXX - Rent Recovery Solutions/XXXX XXXX FKA XXXX XXXX XXXX reported to CRAs debt owed to XXXX XXXX XXXX ( # XXXX ) {$1700.00} and {$1700.00} ( # XXXX ). XX/XX/XXXX - Complaint was submitted to CFPB # XXXX. 
XX/XX/XXXX - Rent Recovery response : " We have isolated the duplicate account and closed it. We have place the other account on a hold pending our client 's review of the complainants 's documents. Unless and until we can verity the exact nature of the charges with our client, we will not reopen the account. '' XX/XX/XXXX - My feedback : " Federal and State laws provides for the removal of false or inaccurate information on credit reports. The response did not address fraudulent reporting to CRAs by Rent Recovery Solutions and XXXX XXXX XXXX, XXXX/XXXX XXXX XXXX. Allowable tender under Georgia Code Section 44-7-52 was offered by my bank and myself on separate occasions to XXXX XXXX XXXX dba XXXX XXXX at XXXX and rejected. The account should be closed and removal of all false/inaccurate information reported to CRAs should removed. '' XX/XX/XXXX - CFPB Complaint # XXXX asserted that previously deleted reports by Rent Recovery Solutions ( XX/XX/XXXX ) XXXX File # XXXX reappeared on my report.
Product: Mortgage

Trying to sell our house and have the buyer assume our mortgage. It has been 90 days. We've been lied to, refused to give information, told we couldn't get updates on a loan that is under our names. We still to this day have had 0 communication from Citizens.
Product: Mortgage

To whom it may concern, I had a mortgage with Wells Fargo since XX/XX/XXXX, and just recently XX/XX/XXXX my house was foreclosed upon and sold at sherriff sale. I tried for a loan modification with them supplied them EVERYTHING they needed twice. They did not help me, said I did n't qualify because I did n't make enough money to pay a mortgage. So now we have to be out of our house by XXXX per the sherriff. I am highly XXXX, considering Wells Fargo was bailed out by the government and they could n't even help me and my children keep my house. I am tired of playing the game with the mortgage company considering they are getting an empty house when it has n't even been sold, and putting a family of XXXX on the street, with as of right now nowhere to go while they sit making their XXXX figure checks, I hope they can sleep at night knowing this. I am not going out without a fight, this is my house and I could have been paying them something even if it was not what they were asking for monthly, they could have obliged!!!! Also my housing Counselors office ( XXXX ) that was supposed to file all my paperwork, had me do everything minus what I could n't and she could do. I feel they did not go above and beyond helping the customer out while them too are getting government funding to do their job, it 's a disgrace how many times I had to go to court to be told the same thing that Wells Fargo is tired of trying to help me out ... really, when did you try to help me out? When you sent me the foreclosure papers, not helping me with a loan modification, sherriff sale eviction, which one did help me out again with, I 'm confused. They should be ashamed of themselves all of them, from the top to the bottom. You did n't help anyone out but yourselves in your pocket.
Product: Credit reporting, credit repair services, or other personal consumer reports

At the end of XXXX of 2020, I received a notice from a website I use called XXXX that a new account had been opened in my name. It was a Best Buy account, which immediately I knew to be fraudulent, as I have not set foot in one for over 2 years. I immediately contacted the credit company to let them know about the fraudulent account, and did what I could to freeze my credit report to prevent further fraud. I was not informed that I would also need to file a police report and notice with the FTC about the stolen identity, and as this was my first time, I was completely unaware of how to do so. Once I took that action, I waited to hear back. The Citibank and Best Buy people reviewed my account and decided I was lying, so they reopened the account. I then contacted XXXX   and XXXX  to get them to remove the account from my credit report as it was fraudulent. XXXX  did it no problem. XXXX   refused to do so and continues to refuse to do so, and also refused to provide any insight as to what I can do to fix this fraudulent account on my report as they think I'm lying.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed XXXX attached disputes yesterday with Equifax of fraudulent inquiries on my account by Car Dealer. 

XXXX XXXXXXXX XXXX  Day before yesterday I also explained this to their account rep on a recorded line that these are incorrect inquiries which I did not approve. I was advised to file FTC report and send a copy which is attached here. 

Regardless I am concerned that while US businesses rely on credit reports companies such as equifax who are supposed to do a thorough investigation didn't bother to even ask the dealer if I consented for all these inquiries or where the inquiries originated from and how I authorized them Equifax response is INQUIRIES ARE A FACTUAL RECORD OF FILE ACCESS AND WILL REMAIN ON THE EQUIFAX CREDIT FILE XXXX YEARS FROM THE REPORTED DATE OF THE INQUIRY. 

How did they decide that these inquiries are factual without even looking at the document where I did not authorize all these inquiries at all. If they have investigated this fairly, I would request them to provide me any such document. 

I am attaching FTC report, the disputed inquries and equifax report when dispute was closed as well as my Equifax XXXX credit report with score XXXX Note that on calling XXXX and filing dispute without FTC report, these hard inquiries were removed from my credit report. So obviously the business of credit reporting overall is not consistent and needs better regulatory framework. They have been given too much leeway. 

Equifax better do a robust job of handling investigations fairly if they don't want to get into trouble for unfair practices
Product: Payday loan, title loan, personal loan, or advance loan

Some one applied for a loan in my name using my information I havent received any documentation showing a loan was taking out in my name nor have I applied for any XXXX has not properly verified that who ever applied for a loan in my name was actually me
Product: Checking or savings account

XX/XX/XXXX : While out of the country ( in XXXX ), we discovered that unauthorized withdrawals from our checking account in the total amount of {$3900.00} ( 4 transactions - {$2700.00} posted on XX/XX/XXXX ; {$900.00} posted on XX/XX/XXXX ; {$240.00} posted on XX/XX/XXXX ; and {$45.00} posted on XX/XX/XXXX ) had been made. 

On that same day, we immediately phoned our bank from outside the country and was told that we must wait to file a dispute until the withdrawals posted to our account. On XX/XX/XXXX, we filed our initial dispute with the bank. On XX/XX/XXXX, we were advised the bank did not feel an error occurred as the transactions appeared to be authorized because of successful online banking logins and attempts. 

On XX/XX/XXXX, we filed our second dispute with the bank. On XX/XX/XXXX, we were advised by the bank that there was no error as the activity matched our CVV, address, and zip code. 

On XX/XX/XXXX, we filed our third dispute with the bank. On XX/XX/XXXX, we were again advised that an error did not occur as the activity matched our CVV, address, and zip code. 

We then went to a local branch for assistance. The bank manager was wonderful and very helpful. However, it soon became clear to all of us that her hands were tied. She escalated the matter to her manager and then the manager above that person... all with the same results. 

Our argument this entire time was that if a criminal was going to steal our information, that person would steal enough information to make our debit card work or the online banking work. The debit card used for these transactions was in our personal possession in XXXX the entire time from XXXX XXXX XXXX. We have offered to prove our travel to the bank. We have also offered to give our permission for the bank to run our credit report as one of these transactions was through a bank for a loan ( at least that is our understanding ). None of our offers have been accepted. Additionally, we aren't given any other information that " the information matches. '' If something was purchased online, we asked for the IP address of that computer and offered to provide the IP addresses for the devices we have. Additionally, we asked for information on the location from which these transactions originated. Again, we were not given this information. 

We have gone through the bank 's process for disputing claims. This has now been ongoing for four ( 4 ) months, and we continue to VEHEMENTLY deny that we ( or any authorized person ) made these transactions. It is quite disappointing to have one 's own financial institution believe criminals over their own customers/account holders.
Product: Student loan

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that EDFINANCIAL has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
Product: Credit reporting, credit repair services, 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 U.S.C 1681 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 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 Late payment on XX/XX/XXXX incorrect reporting, I have no late payments on this account 15 U.S.C 1681 section 602 A. states have the right to privacy 15 U.S.C 1681c. ( a ) ( 5 ) Section no consumer reporting agency make any consumer report containing any of the following items of information any other adverse item 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: Mortgage

I purchased a house a few years ago, and got a fixed 30yr mortgage. The monthly payment, including taxes came to {$2500.00} ( {$1900.00} for principal and intrest and {$600.00} for taxes ). About a year ago, the mortgage changed hands and the new company is now charging me {$2600.00}. I was confused by the increase in amount as it is a fixed loan and my taxes have not gone up. I called the company multiple times to try to figure out why, but the best explanation I could get was that they were now demanding an additional {$8000.00} sum to be kept in an escrow account, in addition to monthly sum I was already paying towards my taxes. I checked the fine print of the contract, and it is RESPA compliant, which means the amount the are charging is illegal.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, SC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$1600.00} ; XXXX XX/XX/XXXX XXXX