23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

We purchased a XXXX  model home. We paid Recreational vehicle sales tax on it. We do not have to pay property taxes on it. Triad is tacking on property taxes to our monthly payment. We have called several times and they keep telling us we need a letter from the appraisal office. The appraisal office says they cant give us one because we dont have a home or an account for taxes for us. The dmv has a receipt that we paid the sales tax. Triad refuses to take that off our payment without a letter. I called on the 11 th and asked how much in property taxes had they paid. I was told nothing there was no account. I then asked why they are still taking out money. She said they will until I provide proof. She also said we wouldnt her our money refunded til we could prove we didnt owe taxes. A week later I did receive my refund for the full amount. I want it taken off my mortgage. Talking with them has gotten nowhere. They are double dipping and making interest off my money.
Product: Mortgage

This letter serves as a formal complaint about Navy Federal Credit Union, XXXX XXXX XXXX, XXXX, VA, XXXX - XXXX. This complaint is in regards to disparate refinance application practices, lack of communication, dealing in bad faith, and failure to follow through with closing on our refinance application after granting conditional approval and instructing us to pay for and obtain an appraisal. 

We first submitted loan documents to NFCU on XX/XX/2020. As of today, XX/XX/2020, NFCU has not closed our refinance. 

Upon submitting documentation on XX/XX/XXXX, we did not hear from our processor from NFCU until XX/XX/XXXX. Her name was XXXX XXXX. Most of our inquiries to XXXX either went completely unanswered or her responses were delayed for weeks at a time. We were so frustrated that we obtained the contact information for XXXX supervisor and reported her lack of engagement with us. XXXX was ultimately removed from our loan and a new processor assigned. 

On Friday, XX/XX/XXXX, we received notification that our loan was reassigned to XXXX XXXX, who is the current mortgage processor on our refinance loan. 

We received our conditional approval from Navy Federal on XX/XX/XXXX. We were instructed to pay for and schedule the appraisal, which we did. The appraisal was conducted on XX/XX/XXXX and we received the results of the appraisal on XX/XX/XXXX. 

We replied to all NFCU inquiries within 24 hours and submitted all requested documents within 24 to 72 hours of the request. NFCU has pulled our credit reports twice. And still, as of today, XX/XX/2020, they have failed to follow through to close our refinance, or to reply to our inquiries about the delay in closing. During our application process, XXXX also requested that we submit sensitive information via email, which is a practice that could be harmful to applicants. 

We are asserting that they are engaging in disparate practices, failing to communicate with us in a timely manner ( sometimes not at all ), and not moving forward in good faith. We have complied with all of their requests, including paying for an appraisal, and they continue to be largely unresponsive. 

We ask that NFCU be investigated for disparate practices, fraud, and applicant mistreatment.
Product: Credit reporting or other personal consumer reports

I have reached out on multiple occasions since XXXX requesting that the credit reporting agency remove the bankruptcy listed due to it containing inaccurate information. I have requested a validation of this information as well as the source of the information. I have yet to get a valid response from the agency and no source of the data. I reached out to my local bankruptcy court, and they reported that they did not provide this information the credit agency and I reached out to XXXX and XXXX who willing removed the inaccurate information from their system and data management database back in XXXX. See attached documents. 

XXXX ) Bankruptcy : Reporting a filing date of XX/XX/XXXX
Product: Checking or savings account

On XXXX, I found out that {$310.00} XXXX XXXX ) was taken from my account without my permission. I've called The Bank of America, and they had sent me a Unauthorized ACH Return Form which I need to fill out and FAX it back to them and told me to wait for updates. After I did fill out the form and FAX it back to them, for about 2 weeks I decided to call again and they told to that I still have to wait for about 2 months. Then I called back again, they told me that my I didn't fill out the form in the time frame of 24 hours on XXXX, when the transaction was taken, and that my claim was closed/deny and that the bank couldn't do anything about it, so my money can not be return back to me. I do not believe that there is such rule about me having to fill out a form in 24 hours on the day the transaction was taken, usually in this situation the bank would resolve the issue and give back my money but whenever I try to call again to figure out a solution they answer with why I am calling again and asking the same question and to figure it all out myself. I called the police seeing if they can help, and when they called The Bank of America for me and the bank said that they would send another form for me to fill out and FAX back, which I did and I called back to make sure weather if they had received the form or not, they replied saying why I'm calling back again and that my claim was closed they can't do anything about it. So now, I am hoping that you can help me get my money back.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of the Equifax data breach and have been unable to retrieve my own credit reports ( due to fraud ) for over 3 years. I send proof of my identity and if they respond at

all ( sometimes they don't ) it is to tell me I have not proved myself to them. I have complied with all of their requests regarding identification and am tired of copying documents at the library to no avail. I can't even begin to repair from the fraud damage until I see the reports and in the meanwhile my id is being used to open all kinds of accounts. I have not used the credit system in over 10 years but am unable to get a job or an apartment because of factors outside of my control, which is totally unacceptable. Thank you
Product: Checking or savings account

My account was compromised and I filed a fraud claim with the bank and advised them of this fraud activity. Suffering from XXXX I have to keep my Pin number written down and my wallet was stolen with this information. Bank Of America placed a temporary credit on my account at which pint totaled over {$800.00}. I revised a letter two months later indicating that the temprary credit will be reversed because they found no evidence of Fraud. I called into BOA in a panic and spoke with XXXX from Arkansas who after I explained my circumstance, disputed the reversal and told me " no money will be coming out of your account anytime soon ''. I was shocked to wake up on XX/XX/11 and notice that indeed my account is now overdrawn by {$800.00} ecause the bank debited my account, I immediately called and spoke with XXXX from Florida who stated that she was a supervisor and saw nothing that she could do. I asked XXXX what information they used to come up with this and she refused only telling me she will have a manager call me back. I called back in that two hour time frame and spoke with manager XXXX who stated that he was a senior manager from Florida who could not provide me with any information abot what was used, only stating that the pattern did not fit fraud. I then asked form documentation used to make this decision and again there was a refusal to provide this information. XXXX reports to XXXX in Florida
Product: Credit reporting or other personal consumer reports

My account with XXXXXXXX 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. 


XXXXXXXX XXXX XXXX XXXX XXXXXXXX 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: Money transfer, virtual currency, or money service

My money has been placed in paypal for a long time, and I have been unable to withdraw my money. I have contacted them for many times, but they always say that they are still reviewing, so I don't know how long I need to wait My email address XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Discover credit was discharged in chapter XXXX bankruptcy. Now they are reporting a balance
Product: Credit reporting or other personal consumer reports

Attention : Credit reporting agency, Experian Date : XXXXTo Whom It May Concern, This item was purchased by a Third Party Debt Collector ( Collection Company NameXXXX XXXX XXXX ). This account must be deleted as the status is not correct, the amount is not correct, and the account was paid for less than owed by the Third Party Debt Collector. As you can see by my attached credit reports and highlighted issues. This information is NOT CORRECT & NOT ACCURATE. Therefore it must be DELETED IMMEDIATELY. Here is the account nameXXXX XXXXXXXX XXXX, Account number:XXXX, incorrect amount also. How much did the collection company pay for this item? I don't know and neither does my credit report reflect such amounts. This is a clear violation of the FCRA as this is not accurate or complete. DELETE THIS IMMEDIATELY! Thanks, My full Name is : XXXX XXXX XXXX D.O.B. XXXXAddress : XXXX XXXX XXXX XXXX XXXX CA XXXX Last 4 SSN : XXXX
Product: Money transfer, virtual currency, or money service

Hello I have received a master card ( wisely pay ) from my employer and everything was working until I couldnt use my card on Sunday it was locked I called customer service they told me my birthday info was incorrect I was confused they told me to send them a picture of my ssn and date of birth Through a link after that I waited two days and still my card is locked I called again they told me the same thing so I sent them the photos again and still nothing I have called them and they are still saying 1-2 business days
Product: Payday loan, title loan, or personal loan

I have had a personal loan for several years. It was originally through XXXX XXXX and then was transferred to Ditech. A notice was sent to me on XXXX XXXX, XXXX stating that our loan was being transferred to XXXX XXXX XXXX The notice stated that " Ditech will stop accepting payments received from you after XXXX XXXX, XXXX. '' I called and made a payment to our new servicer on XXXX/XXXX/XXXX and the same day noticed a second charge for the same amount for an ACH payment. I called Ditech and was told the automatic payment was not cancelled. I let them know I am unable to afford a double payment and need this corrected and reiterated that their notice stated no further payments would be collected by Ditech. I requested to speak with a supervisor. She put me on hold and kept checking back with me and asked if I wanted to request a call back which would take up to 48 hours. I told her I needed this resolved ASAP. 

I continued to hold until she let me know her supervisor was now available and said she would transfer me to her. She transferred me and it went straight to a voicemail for a XXXX XXXX. I left a voicemail stating my issues and let her know I needed it resolved ASAP.
Product: Credit reporting

The following inquiries were removed from my report by Transunion and were resubmitted by Transunion without properly notifying me, therefore the items should be removed. 

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

n accordance with the Fair Credit Reporting acXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

AFNI has reaged my debt. It should be from XX/XX/XXXX and no longer on my report. They are reporting it new as of XX/XX/XXXX. I have disputed this with the credit bureaus and attempted to resolve with the creditor and they will not work with me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to check my complete, credit report and I saw mortgage companies that ran my credit. Which was never authorized. I believe that someone stole my information and is looking at mortgages and cars.
Product: Credit reporting, credit repair services, or other personal consumer reports

Bank of America pursued me to pay my father 's credit card account balance after he passed away. My father, XXXX XXXX, was the only liable person for this account. I have never signed a contract to be a liable party. I was ONLY an authorized user to help him manage his finances. 

After my father passed away in XXXX, Bank of America added a charged off account to my credit report dropping my scores XXXX points. Their collection agents hounded and threatened to sue me if I didn't pay my dad 's account. I ended up giving-in on XX/XX/XXXX and I paid the agreed settlement amount of {$4400.00}. Even after I paid the settlement amount, Bank of America continued to report the charged off account to the credit bureaus with a balance of {$8600.00}.
Product: Mortgage

During the course of the loan with Finance of America Mortgage, when gathering documents, the loan agent would repeatedly not respond for days at a time and then rush us to gather certain documents. One particular item was mortgage statements for a rental property that I own that she wasted a whole week going back and forth about documents on. 

On the date we were supposed to close the loan after our second extension, the same loan agent deliberately lied when we told her we needed to close and sign that day, which she knew because she was provided with all of our extension deadlines. She claimed we had an additional extension from the seller which was 100 % false ( the seller even said so in an email ) to further delay the close of our loan which would cause us to lose our deposit for not closing the loan in time.
Product: Credit card

I have credit cards that offer variable rebate rates, as high as XXXX percent. They are currently American Express cards, but, my new XXXX XXXX issued card has the same problem. 
The billing statements do not supply any detail as to which vendors paid which percentage. 
Without this information I can not tell where to shop. For example I get XXXX Percent at grocery stores, XXXX grocery has a gas station, I get XXXX percent ( on this card, but XXXX percent on my new XXXX card ) if it is a gas station but XXXX percent if it is a grocery store. Since there is no detail I can not determine which card to use or where to buy my gas.
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 federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX {$160.00} XX/XX/XXXX XXXX XXXX XXXX {$260.00} 02/17/2022 15 U.S.C, 1681section 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 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 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

Since XX/XX/2019, I have been trying to repair my credit and clear my credit report of any false accounts. 

My first letter was sent to XXXX  certified mail receipt number : XXXX XXXX XXXX XXXX XXXX. 

My next letters were sent on XX/XX/2019. On that day I sent a letter to XXXX  asking their method of verification in " verifying '' the accounts on my report. I also sent letters to Equifax and XXXX  certified mail receipt numbers XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX, respectively. I also sent letters to two creditors asking for validation of the debt they say I owe them. I sent XXXX XXXX XXXX a letter certified mail receipt number XXXX XXXX XXXX XXXX XXXX, and I sent XXXX XXXX XXXX XXXX a letter certified mail receipt number XXXX XXXX XXXX XXXX XXXX. The two collection companies were unable to validate my account and the bureaus did delete those accounts from my report. 

I then sent letters on XX/XX/2019 to the bureaus, as well as, the bankruptcy court that is listed on my report. The bureaus have said they have verified the bankruptcy shown on my report with the bankruptcy court itself certified mail number : XXXX XXXX XXXX XXXX XXXX. In the letter I sent to the bankruptcy court, I asked them if they report to the bureaus. I received a letter back from them stating that they do not report or verify anything to the bureaus, which proves they are lying. I also sent a letter to XXXX, Equifax, and XXXX stating that the court does not verify anything with them. 

On XX/XX/2019, I sent a letter to XXXX  and XXXX. The letter I drafted was a basic dispute letter I wanted to send so I could include the response I had received from the court stating I know that they don't get information from them. I sent those letters certified mail number XXXX XXXX XXXX XXXX XXXX to XXXX  and number XXXX XXXX XXXX XXXX XXXX to XXXX. I also sent letters to the collectors that now hold two new collection accounts that have been placed on my report. I recognize neither, so I inquired  for validation of the account and debt they say I owe. I sent a letter certified mail receipt number XXXX XXXX XXXX XXXX XXXX to XXXX XXXX XXXX, and a letter certified mail receipt number XXXX XXXX XXXX XXXX XXXX to XXXX XXXX XXXX. I have yet to receive a response from either of those collections agencies even though it has been well over 30 days. 

The bureaus and the collection companies XXXX XXXX XXXX and XXXX XXXX XXXX have broken the law regarding my right as a consumer to work on repairing my credit. You can view every letter I mentioned above attached down below.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax ( the worse ), XXXX  and XXXX  are taking two and three months to update account information and updating credit scores. This is affecting my credit score and balances on my accounts when it takes them months to update.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my six attempts 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, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. The following items are inaccurate please remove:XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$27.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$27.00} ; 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
Product: Payday loan

This company sent me an email stating they have tried to contact me by phone and by mail. I have received no calls nor have I received any mail other than the email I received today XXXX/XXXX/2016. 
I just want to know if this company is legitimate.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 


XXXXXXXX XXXX XXXXXXXX XXXX XXXX
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 XXXX XXXX XXXXXXXX, has violated my rights. 

I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.