23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

We moved into a new home 2 years ago this past XXXX. The escrow, collected by Penny Mac, is included in the mortgage and we pay approximately $ XXXX in taxes. We had the sufficient funds put into the escrow account to allow for future taxes that had not yet been assessed. In XXXX of XXXX, we received a check for {$10000.00} for what they said was an overpayment of escrow. We called Penny Mac and verified that was indeed our money to spend. They had too much money in the escrow account and this was the refund. However, at that time, we also called the tax collector and was told that the property had yet to be assessed. 

A year later we called to check to be sure all taxes had been paid. Well, it seems that Penny Mac had to pay 2 late fees.one for {$900.00} and another for {$300.00} because of their carelessness. Weve made many phone calls to this company to check on the taxes. They are completely incompetent. 

On XX/XX/XXXX we called the company again to be certain that everything was paid and up to date. At that time, we were utterly shocked to hear we owed them the {$10000.00} dollars back they had mailed a year previously after they told us verbally it was ours to keep. We talked to them a long time trying to understand this error. We were told that THEY had made the error and THEY had trouble with the taxes. We asked to speak to a supervisor and was told we would receive a call back in a few days. NOTHING! No call nor a letter from XXXX XXXX explaining the situation. 

This past month, we receive a new mortgage payment for {$750.00} more than the original payment, without any notification of this new amount. We are retiredI am XXXX and my partner IS XXXX XXXX XXXX. We dont have the jobs to go make an extra $ XXXX each month. This is unacceptable on every level. 

It was their error and they are not novices to the mortgagee business! They didnt even have the courtesy to call or write to us about the situation. We dont have an extra {$750.00} each month and we dont choose to pay for their mistake for the next 5 years, which was their solution. 

This is their responsibility and their error. We spent hours on the phone with this company and it was never satisfactorily resolved. There was XXXX communication from the company to us on how to correct the problem. We are looking for assistance. 

Thank you, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX You are in Direct Violation of the Fair Credit Reporting Act ( XXXX XXXXXXXX XXXX XXXX / Account number # XXXX XXXX XXXX XXXX ), has violated several of my rights. 

15 U.S.C 1681 section 604 A.Clearly states that 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 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

Remove these late payment and update this account immediately as you are in direct violation of several laws under the Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

How was each inquiry validated? What signed papers did you receive? What proof was given?
Product: Debt collection

PLEASE SEE ATTACHMENTS Nationwide Recovery has obtained, used, and trafficked my nonpublic personal information to unaffiliated third parties. Nationwide Recovery is using oppressive and fraudulent practices to coerce payment for an alleged debt and is in complete violation of my consumer rights, the FDCPA and the FCRA. Nationwide has stolen my identity to coerce an alleged payment that I was never given the opportunity to review, cure nor deny the debt before its unlawful furnishing.
Product: Credit card or prepaid card

I had a Capital One Bank credit card opened in XX/XX/2016 thas has been marked charged-off with an original charge-off of {$710.00}. This account was manage by XXXX XXXX XXXX out of California, the company settle my account with Capital One and base on what they told me the account was paid per that agreement.
Product: Checking or savings account

I have a Dasher Direct account which is through Payfare. I transferred {$70.00} on XX/XX/year> from my Dasher Direct account to my XXXX account and the funds were never received. Dasher Direct informed me the transaction was complete and to contact XXXX. I have provided XXXX with the transaction ID number and the trace number they said those numbers do not fit their format. I have spent a hundred plus hours on the phone back and forth and no one can help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I got an email from my bank XX/XX/11 advising my score has changed from excellent to good. 
I looked at my credit report and I can find nothing incorrect. I called TransUnion to find out what is going on. They said they can not help me and that I need to call a credit couseling service. I called the number they gave XXXX. We figured out that a credit card that had a $ XXXX limit that I have not used in XXXX closed. It dropped my score XXXX points ( from excellent to good ). I have ALWAYS had excellent credit. They told me to call TransUnion back and ask them about why the score would drop that much as there were no changes on my always on time payments for all my accounts and my usage is always under 30 %. I called TransUnion back they said there is nothing they can do. They said all of this is automated. I said exactly. I just want to get this escallated so someone can review the parameters that give the score. I said everything I have is in excellent status how can you give a score of 'good '. They repeated everything is automated and then asked 'what am I going to do to fix my credit. I said I can't fix anything as everything is in excellent status except the score. I just want someone up the chain to review the formulation to make sure there is not an error or a hack that is affecting the score. Please see the attached document that shows XXXX different companies that use TransUnion information saying everything is perfect, yet the score is 'good '. I also talked to my bank ( XXXX ) and they said they have gotten mulitple calls regarding this type of scenario since Friday ( XXXX ). We are looking at purchasing a condo for my mom. This score directly affects our interest rate and need this reviewed as soon as possible. How do you dig out from under a huge company that controls your life with this score and get anyone to look at this?
Product: Credit reporting, credit repair services, or other personal consumer reports

Sierra Credit Corporation, Agreed to remove and delete this account from all 3 credit Bureaus upon returning the vehicle. so far they have deleted from XXXX, but wont delete it from the other 2 they provide different inaccurate information. In XXXX  they claimed I opened account on XX/XX/XXXX, On XXXX they claim XX/XX/XXXX. In XX/XX/XXXX they reported to XXXX the account was refinanced, before they reported that the car was reposed, also payment information is in incorrect. They previously reported I was late XXXX now they report XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this report because I was made aware of two accounts on my credit report that are not mine. The only reason I was even checking my credit report is because my son asked me if I could co-sign for him to lease a car and I wanted to make sure I would be approved. The accounts that do not belong to me are from a company called XXXX Card. I don't even know what these accounts are for but I did not open them and I did not authorize anyone else to open them in my name. I never contributed to any payments that might have been made towards these accounts nor did I gain any type of benefits such as money, goods, services or anything else as a result of these accounts being open in my name.
Product: Credit reporting or other personal consumer reports

I am writing to you as a concerned consumer regarding the accuracy and fairness of the information contained in my credit report. As you are aware, the Fair Credit Reporting Act ( FCRA ) ( 15 USC 1681 ), which was enacted to promote the accuracy, fairness, and privacy of information in the files of consumer reporting agencies, grants me certain rights to ensure that my credit report is correct and that I am treated fairly in the credit reporting process. 

Under the FCRA, I am entitled to the following rights : The Right to Accurate Reporting The Right to Dispute Inaccurate Information The Right to Be Notified of Adverse Actions The Right to Limit Access to My Credit Report The Right to Privacy and Confidentiality The Right to Seek Damages for Violations I am asserting these rights in my dealings with your agency to ensure that my credit report is accurate, complete, and reflective of my true credit history. Any discrepancies or inaccuracies should be promptly corrected to avoid any adverse impact on my creditworthiness. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Product: Mortgage

I have been on a FHA backed COVID-19 forebearance since XX/XX/XXXX. It is ending on XX/XX/XXXX and I have been in contact with my loan servicer throughout the pandemic. They knew my situation was that my husband who is on the loan lost his job and suffered with severe mental illness and is instiutionalized and was abusive. He quit claimed the house to me already. 

Today, three days before I am set to take advantage of the CARES act help of either a partial claim or a streamlined refinance, they tell me that he has to sign documents. That is not possible as I have a protection order against him and he is in a center. So, Mr. Cooper is saying that I have to bring my loan current by Thursday or sell my home. Please help!
Product: Debt collection

Debtor alleging that i owe a debt and not receiving any benefits
Product: Credit reporting or other personal consumer reports

XXXX XXXX Report number # XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX Louisiana XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, GA XXXX Ss # XXXX Subject : Request for Reinsertion of Previously Deleted Information under FCRA Report XXXX # To Whom It May Concern, On [ I disputed an account reported by [ XXXX ] account # XXXX ] Ss # XXXX D.O.B XX/XX/XXXX I was informed on [ XX/XX/XXXX ] that the item was deleted from my credit report. Now I have discovered that the item has been reinserted on my credit report. 
In accordance with the requirements of the FCRA section XXXX ( a ) ( XXXX ) ( B ) ( ii ), you are required to notify me of the reinsertion in writing within XXXX business days. 
( B ) Requirements relating to reinsertion of previously deleted material ( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than XXXX business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. 
I received no such notification. This is a very serious violation of the FCRA, and I reserve the right to pursue legal action for your blatant disregard for the law. 
I hereby demand that you immediately delete the item from my credit report in order to avoid legal action. I am submitting this complaint separately to the Consumer Financial Protection Bureau, the Attorney Generals Office, and the XXXX 
Please govern yourself accordingly. 
Cc : Consumer Financial Protection Bureau Cc : Attorney Generals Office Cc : XXXX XXXX XXXX Date of last report : XX/XX/XXXX Creditor : XXXX ] report number # XXXX XXXX XXXX Ss # XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, La XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, my name is XXXX XXXX and upon review my consumer report I noticed personal information such as addresses reporting inaccurate- the following addressing listed below do not belong to be and I have never lived at. 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX, FLXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CAXXXX
Product: Debt collection

I have tried to contact this company several times. I have spoken to several people and left voicemails with no return call or resolution. They are saying it for a debt I have for an old hospital bill with XXXX hospital. However, I have called XXXX directly and have been told I have or had no outstanding money due, and they do not know what the collection company is trying to collect. How do I have this removed from my credit report?
Product: Credit card

FNBO has entered into a consumer credit transaction with via using my social credit card defined under 15 USC 1602 to extend me my o n credit on multiple accounts. In the year of 2022 FNBO has committed XXXX XXXX and has discriminated against me and my RIGHT TO CREDIT as defined under 15 USC 1691 by shutting down my accounts and denying me a Granted Right which is access to extend credit. FNBO has been in violation of the ECOA and Tittle 18 USC 242 for denying me a federally protected right to extend credit and have access to credit. FNBO once aft er taking XXXX XXXX discriminating against me has reported false statements on my consumer report hurting my reputation and hurting my credit worthiness further negatively impacting my right to extend credit in the banking system. FNBO is reporting an alleged debt that arose out of a consumer credit transaction via a FINANCE CHARGE and is falsely reporting charged off accounts as Income on my reputation as defined under IRS Guidelines. TENDER of payments were attempted to be made on these accounts to satisfy the alleged debt In Good Faith but was REFUSED by FNBO. Such Refusal of legal tender has now discharged the debt under UCC 3 -603 and has placed FNBO under a violation of the Federal Reserve Act Sec 29. FNBO has been given the opportunity to perform and provide LAWFUL VALIDATION of the alleged debts and has failed to do so. FNBO despite Tender Of Payment being made and refused and despite not being able to0 provide Lawful Validation continues to furnish false statements on my reputation hurting my character and right to credit.
Product: Credit reporting or other personal consumer reports

The accounts listed on this report are fraudulent. I demand investigation and removal from my social. I did not give consent and authorization to opening these accounts. Listed below are the fraudulent accounts : 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, credit repair services, or other personal consumer reports

Recently I suspected that my identity has been stolen due to the amount of notifications I received about inquiries that I have no knowledge about. I also am aware that my information was exposed I about 2 different data breaches. XXXX data breaches, and Equifax Data Breach. The breaches put my information at risk and resulted in fraudulent accounts being opened in my name.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report.

Here is the list of items that do not belong to me or were opened without my permission. 

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 Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$170.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$1500.00} ; XXXX XXXX XXXX XXXX XXXX Balance Owed : {$7100.00} XXXX XXXX XXXX Balance Owed : {$1300.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$2300.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$13000.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance Owed : {$2000.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX ) XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance Owed : {$1200.00} ; XXXX XXXX Balance Owed : {$57000.00} ; XXXX XXXX ( Original Creditor:XXXX XXXXXXXX XXXX ) XXXX Balance Owed : {$3700.00} ; 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
Product: Debt collection

My name is XXXX XXXX XXXX XXXX CT XXXX, OH XXXX My SS is XXXX my DOB is XXXX. I need my name and the late payments removed from my credit report. Capital One XXXX account the was closed for XXXX XXXX XXXX I am not financially responsible for this account or the status of this account. Please delete the late payment at one from my credit file please and Thank You.
Product: Debt collection

USAA XXXX acct settled XXXXXXXX XXXX XXXX. Account settle. 

I have to get this corrected since XXXX and all the credit companies come back saying that the information they invested was correct Remove from all three credit agencies
Product: Checking or savings account

chase claims they will no longer be banking with me and my account closed but they did NOT notify me NOR I AM I ABLE TO WITHDRAW ANY MONEY IN MY ACCOUNT. I I HAD TO CALL CHASE TO SEE WHY MY ONLINE BANKING WASNT WORKING
Product: Credit reporting or other personal consumer reports

The Fair Credit Reporting Act ( FCRA ) requires that consumer reporting agencies take steps to ensure consumer reports are accurate and to conduct investigations of information disputed by consumers. Experian is harming consumers by : * Conducting sham investigations that fail to properly address consumer disputes * Improperly reinserting inaccurate information on consumer reports
Product: Debt collection

2 calls were placed on XX/XX/year> and XX/XX/year> to my wifes ex husband. He messaged my wife on XXXX XXXX  as they have had no contact for over 10 years. But the crazy thing is the phone calls weren't asking for her or to reach her it was to reach me. XXXX who has NEVER had contact or history with him at all. XXXX who is not on the paperwork at all... who has nothing do to with this vehicle let alone nothing to do with me. For you to contact him was a failure and breach on your side as a 3rd party contract that should of NEVER been done. I and my wife are beyond livid as this caused MAJOR stress for her while she is XXXX  having someone whom she's had NO contact with message her to let her know a collection agency is calling for her HUSBAND.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable investigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Mortgage

I refinanced my mortgage XX/XX/XXXX. My old mortgage payout was overpaid by {$1000.00}, and I was told I would get a refund check. They eventually sent a check to me with my ex-husband 's name on it. We divorced in XXXX and his name was not on the home or the new mortgage. It had been on the old mortgage. I called and they had me send in a copy of the title showing my home was in my name only, and return the check they sent. I still didn't receive a replacement check and called three more times. They kept promising to send it, and then finally I received it today with my ex-husband 's name on it again. He lives out of the country and I have no contact with him, so he can't sign it. I can not redeem this check, as I explained that to them several times.
Product: Mortgage

I applied for a mortgage refinance with Bank of America in XX/XX/XXXX. Recieved conditional approval on XX/XX/XXXX. After several weeks of communicating with XXXX XXXX, Loan Officer, and XXXX XXXX, Home Loan Specialist, they XXXX abruptly stopped responding to my e-mails and phone calls. My loan was ultimately cancelled for " failure to respond to requests ''. After several weeks of calls and e-mails, I was put in contact with XXXX XXXX, VP Operations, who had XXXX XXXX contact me. XXXX XXXX informed me that despite the fact BOA was in error, I would be required to reapply for the loan, which I did. The XXXX application was conditionally approved on XXXX. Even though XXXX XXXX had promised to do everything possible to expedite the new application, the scenario in processing the new loan was almost identical to the original application. The XXXX loan was also cancelled due to " failure to respond to requests ''. Ironically, the cancellation happened on the same day that I faxed the latest information BOA had requested. For the last two weeks I have been in correspondence with Processing Manager XXXX XXXX, who also promised to " get personally involved '' in closing this loan. Her assurances, like those of everyone else I have been in contact with at BOA, have been worthless. I am at this time waiting to hear from her as to the status of this application.
Product: Debt collection

Hi there, Last year in XXXX I had joined the online college program through XXXX XXXX because I had previously went to XXXX XXXX XXXX XXXX online program. Right when the course started Covid had hit and I was working at XXXX so with covid our company took a big loss. We were all losing hours and i couldn't afford the program so I called and told them the pandemic was causing a shortage in my pay. So i needed to cancel the program this was so early in the start of my program I didn't receive any materials, books or anything for the course. I talked to a few people at the online campus about it to make sure it wouldn't affect my credit or name negatively and we were all under the influence that it wouldn't. A couple months after I received a bill from collections during the pandemic and it was XXXX dollars. For a course that I didn't even get to take .I called the school and they told me I could get it taken off of my credit. This debt is causing me troubles I can not apply for apartments or homes, I can not put my own car in my name I needed a cosigner because of the debt on my credit and it's putting my credit score lower than it needs to be I pay everything on time I have nothing else on my credit negative besides this. This is really starting to affect my life, I have a child and I have things that I need to provide like a home and a reliable car I can't apply for anything with this on my credit I am very frustrated with this situation.