23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I have a home mortgage with my escrow included to contain my real estate taxes and insurance paid out of it. They paid my first installment of my taxes, but didn't pay the last 3 installments. I received a letter from my tax agency regarding this about 3 weeks ago stating that if I didn't pay the last 3 installments they could auction my taxes off. I contacted my loaner ( US Bank ) of this within 24 hours. They said they would take care of it and pay any penalties. That was approximately 3 weeks ago. I called the tax people today and there is no payment submitted. I called US Bank today and they basically said it was still open and they hadn't done anything. They said they had so many it is taking awhile to process. I am worried this could hurt my good crediting rating and also have my taxes sold to another property. I have not missed one payment since I have them automatically take out of my bank account. I don't know what to do but get an attorney at this point. Tomorrow I will e-mail them a formal letter with the tax bill. Also I will file a complaint with HOPE. I pay over XXXX a year for my real estate taxes and have plenty in escrow for them to pay the XXXX they owe the state of Illinois. Also this messes up my real estate taxes for the state of Illinois, since it only shows me paying XX/XX/XXXX of the taxes I can itemized. Don't know what else to do.
Product: Credit reporting, credit repair services, or other personal consumer reports

On the XX/XX/2020 I went into XXXX XXXX to inquire about the possibility of buying a new truck. At the time they had a deal where they were offering low to no interest and no payments for 90-120 days. I wanted this deal and this deal only. I applied for the credit with XXXX and was rejected, however the former Sales Manager ( who was about to retire come to find out ) arbitrarily shopped my name around to several banks to get me qualified to buy they truck. I made it clear I did not want a bunch of credit inquiries to my credit. Just the one, via XXXX. 

Now fast forward 7 months and 4 inquires remain that should not, despite me calling the credit bureaus, the companies themselves and even XXXX XXXX advocating and sending letters to remove the credit inquiry from my report. 
-XXXX XXXX XXXX. XX/XX/2020 still remains and shall be removed. 
-XXXX XXXX XX/XX/2020 still remains and shall be removed -XXXX XXXX XXXX XX/XX/2020 still remains and shall be removed -XXXX XXXX XX/XX/2020 still remains and shall be removed as XXXX solicited my business with them, without my express consent, in fact, against my word as a consumer.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against TransUnion for their refusal to remove adverse items from my credit report that are directly associated with my status as a XXXX XXXX XXXX XXXX  and debt bondage. My original letter was sent on XX/XX/year>. Under the Fair Credit Reporting Act ( FCRA ) Section 605C, XXXX XXXX XXXX XXXX are entitled to have all adverse credit information related to the XXXX experience removed from their credit reports.

FCRA 605C ( 15 U.S.C. 1681c-3 ) Protections for Victims of XXXX XXXX : TransUnion has XXXX FCRA XXXX XXXX refusing to remove adverse credit information that resulted from my status as a XXXX XXXX XXXX XXXX I have provided evidence and documentation confirming my status as a XXXX XXXX yet these accounts remain on my report.
Product: Debt collection

XXXX   XXXX  is attempting to collect funds from me for a delivery of water they never made. It was scheduled to be delivered but never was. This is not the first time the newer delivery driver failed to deliver to us and we were still charged. I know this for a fact because I have an HD video surveillance system. They assured me on three different phone calls that the bill would be corrected but it never was. Also they are trying to collect additional funds they are not owed for late fees.
Product: Mortgage

I have a wells fargo mortgage that was opened in XX/XX/2011. Unfortunately, I am one of the over XXXX XXXX wells fargo customers whose mortgage account and life has been negatively impacted by their constant unjust and unethical business mortgage practices. This CFPB claim is being filed to request my inclusion in the newest {$3.00} XXXX and/or {$200.00} XXXX in refunds to be distributed. This is all due to them harming their customers. Truly, wells fargo thinks that they are an untouchable giant who can not be penalized for their wrong doing. Their endless cruel, abusive, and deceptive business treatment towards their customers is bold, endless, and totally unacceptable. Personally, they have mistreated me in the following manners : 1 ) consistently overcharging me with multiple PITI payments monthly. For example, charging me upwards of XXXX payments versus XXXX payments per year. Then threatening foreclosure if not paid. 
2 ) holding my XXXX payments hostage in their " Unapplied Funds '' account. Then claiming that I was 4-5 months behind on payments of mortgage. Then threatening foreclosure. 
3 ) unfairly refusing to correct loan modifications, payments paid, ignoring extra payments, etc.

4 ) incorrectly charging me fees, other costs, forcing late fees, demanding duplicate pays, etc.

5 ) refusing to decrease my mortgage balance after extra principal payments paid, etc.

6 ) double charging my escrow homeowners insurance account.

7 ) forcing me into the courts in order to stop their increasingly unfair harassment. 
8 ) transferred my account to their sister company without notifying me or their bank. To avoid mortgage balance correction. Plus, to say they did not have my records anymore. 
9 ) reported my account PIF ( which it is XXXX ) ; yet, is allowing their sister company to charge me {$70000.00}. Again, an incorrect balance. 
10 ) refusing to acknowledge that this mortgage balance is incorrect and they owe me refunds.

11 ) was harassing me to refinance my 15 year mortgage ( half paid off ) to a 40 year mortgage or face foreclosure. Documents available to prove this point. 
In closing, your assistance is sought on two levels. First, to be added in the newest {$3.00} XXXX wells fargo settlement. Second, to assist me in correction of my mortgage balance service issues. Thank you sincerely.
Product: Checking or savings account

My parents were victims of identity theft and their Bank of America checking account was hacked. Individuals used their information to write to a fake check for {$2000.00} and used their debit card to make additional unauthorized purchases for different amounts of {$270.00}, {$8.00}, {$390.00}, and {$3.00}. We have repeatedly reached out to Bank of America fraud department and rerouted across the debit department, the check department, and the general fraud department. We've tried to place a freeze on the account, but each time we are told there is a freeze, when we reach out again over phone, a representative informs us that there is no freeze. Furthermore, there have been credit cards that are being issued in this account even though we did not apply for them. We've been trying to resolve the issue so that we can recover the money lost via the fraud and to close the account to avoid future issues, but have been struggling to the account issues fixed.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX, XXXX XXXX NY XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX -TransUnion LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Dear XXXX or XXXX & TransUnion ], I am writing to dispute the following information that appears on my XXXX or XXXX or TransUnion consumer report : I would like the following removed and or corrected on my credit report ASAP : Collection accounts to be removed as they are not correct and involved in litigation. 

XXXX XXXX XXXX XXXX XXXX This has been opened for a number of years and needs to be removed. 
XXXX XXXX XXXX XXXX This has been opened for a number of years and needs to be removed. 
XXXX. XXXX XXXX XXXX This has been opened for a number of years and needs to be removed. 
XXXX. XXXX This has been opened for a number of years and needs to be removed XXXX. XXXX XXXX XXXX XXXX I do not owe this due to a billing error on XXXX XXXX XXXX XXXX 



I want the following XXXX Inquires removed please. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Thank you for your assistance. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act the creditor, XXXX ), has violated my rights under 15 USC 1681 section 602, which sates eye have the rights to privacy. 15USC 1681 section 604 ( a ) section 2, it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b a creditor may not treat a payment on a credit card account under a open and consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

DECIDE TO MAKE A BIG MOVE AND BUY MY FIRST HOME. I KNEW I WANTED TO GO INTO A FIRST HOME OWNERS PROGRAM, DUE TO THEM BEING ABLE TO HELP YOU FINANCIALLY. AS I WAS SITTING WITH MY MENTOR SHE SAID MY CREDIT NEEDED TO BE PULLED. I KNEW I HAD A GOOD CREDIT SCORE SO I WAS NOT WORRIED ABOUT THAT BEING THE FIRST STEOP. OUT OF SURPRISE A BIG LIST OF ACCOUNTS I HAVE NEVER SEEN OR HEARD OF IN MY LIFE SHOWED UP. THOSE FRAUDULENT ACCOUNTS DO NOT BELONG TO ME. PLEASE REMOVE THESE THINGS FROM MY REPORT XXXX XXXX XXXX XXXX {$3500.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX {$98.00} XXXX XXXX
Product: Credit card

Hello. 
I want to immediately close my XXXX account credit limit of XXXX opened XXXX XXXX. 
XXXX even received the card yet. I am immediately suspecting that the mail offer I got is a scam. 
I already signed up and made an account but now its telling me my information does not match. 
I can not log in to my account at all. 
The number to call gives XXXX help. 
Now Im reading online that this is a scam and could help aide in identity theft. Please help. I want to close this account before it goes any further. I dont even want this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX reported a collection to Transunion on XX/XX/XXXX for an account opened on XX/XX/XXXX that has a balance of XXXX. I have not opened any accounts with the company they are trying to collect for. Transunion has tried to contact the company to get proof of the debt but nobody has responded. I did a XXXX search of XXXX XXXX XXXX XXXX and it seems other people are having the same problem with them, every time it involves them reporting a debt to Transunion in hopes that someone will send them some money,
Product: Checking or savings account

I signed up in branch for a Chase Business checking account. I was told if I made five transactions and kept a certain balance I would avoid fees and receive a {$500.00} bonus. 
I asked the banker if paying my chase credit card would qualify as a transaction and he indicated it would. 
Upon completing the transactions I did not receive the bonus, Chase says that the transactions I made do not qualify. I was misinformed.
Product: Credit reporting, credit repair services, or other personal consumer reports

The accounts below are reporting on my personal credit file with EQUIFAX. These accounts were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The data furnisher are not complying with federal law in regards to identity theft. Additionally, the data furnisher have not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me. Since this is a strict violation of FCRA laws I need the accounts removed from my file. 


XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Product: Debt collection

Original Creditor : Rise Credit Of Delaware, XXXX XXXX RISE Acct # : XXXX Current Creditor : XXXX XXXX XXXX, XXXX XXXX 
XXXX File # : XXXX Balance : {$3500.00} This resulted in Identity Theft Provided Police Report when asked and Affidavit year XXXX and XXXX
Product: Credit reporting or other personal consumer reports

I recently perused a copy of my credit history. It said that the credit request originated from the credit inquiries listed below. However, I did not provide my consent for these questions to be asked. In response, I'm writing to contest these inquiries and ask that it be removed from my credit report. 
XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Mortgage

On XX/XX/XXXX the lender order and appraisal on the home we were trying to purchase. The loan officer told us the incorrect appraisal amount shortly after the appraisal and never sent us a copy. They told us we would be closing on the house in XXXX. The processor then told us we would be closing soon and to obtain homeowner insurance so we did in XXXX. The processor did not keep in contact with the insurance company nor us which I have documented with them and have all of my emails. Almost caused me to be in nonpayment for a home I dont even own causing my rate to go up for my car insurance. Then told us we would be closing in XXXX. Now it is XX/XX/XXXX and the last contact I had with her she was asking me for my job verification which I've already provided several times and should have been conducted before they approved me and sent an appraiser. I'm more than upset and will be filing complaints any Avenue possible.
Product: Checking or savings account

I received emails stating a new online checking account had been created in my name. I contacted the bank right away because I did not open any new bank accounts. I was informed by the fraud department of the bank that my name ssn birthdate was used to open the account. I was not given documentation that the account was closed. Just a verbal confirmation. I spoke with XXXX from Bank of America. I was told the account was empty- not funded yet. He did send a link by email of what to do when affected by identity fraud. that is all the communication I was given. received another email the next day from BOA asking to confirm email. I did not confirm the link.
Product: Credit reporting, credit repair services, or other personal consumer reports

In my Experian credit report my personal information is incorrect, such as my name and addresses.
Product: Credit reporting, credit repair services, or other personal consumer reports

Tradeline : XXXX XXXX Bank Experian properly addressed my concerns and corrected this account 's historical information when completing the previous dispute process ( CFPB Complaint # XXXX ). However, in correcting the historical information, as requested, Experian changed the payment status of the account from the correct status of 'PAID, WAS A CHARGE OFF ' to " DEROGATORY / CHARGE-OFF ''. This new status is misleading as there is now no indication on my credit report that the account has been paid in full. 

Please either return the payment status to 'PAID, WAS A CHARGE OFF ' or otherwise notate the account as PAID. 

Thank you. 

Please note : I was unable to open a new dispute for this account via Experian 's online portal because it had recently been disputed ( though for a different reason ).
Product: Bank account or service

I have a banking account with TD Bank. TDBank has a consistent pattern. If you get a statement on the XXXX of the month and you pay your bills on the XXXX, they both go in the same date and TD Bank will charge you an Overdraft Fee for EACH payment that you paid electronically. They have totaled for last month taken over {$800.00} in one month in overdraft fees. Since the beginning of the year it has been over {$2000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

NAME : XXXX XXXX FULL ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DATE : XX/XX/XXXX I am writing to inform you that there is 100 % improper use of the credit report. Attached to the XXXX! XXXX, XXXX, and EXPERIAN HAVE 1000 % VIOLATED THE FCRA, AND IM HIGHLY XXXX ABOUT THIS. I looked over the XXXX, and EXPERIAN credit report isn & # XXXX ; t accurate AND ITS COMPLETE XXXX. I & # XXXX ; ve spoken to a lawyer, and he told me that I COULD EASILY take THIS to court AND FINE XXXX, XXXX, and EXPERIAN {$1000.00} PER VIOLATION ( and there are many violations ). I credit report and found some addresses that appear incorrect. Not only did I find addresses, but I ALSO FOUND TONS OF INACCURATE INFORMATION ON THE CREDIT REPORT. INCLUDING ACCOUNTS THAT I NEVER GAVE YOU WRITTEN PERMISSION TO ADD ON ANY INFORMATION TO THE CREDIT REPORT! As instructed on your website, I & # XXXX ; ve enclosed documentation providing proof of my current address, social security card, id passport, driver & # XXXX ; XXXX license, and insurance card. 
This is the final step BEFORE TAKING THIS INACCURATE, FRAUDULENT ACTIVITY IN FRONT OF A JUDGE. Under the FCRA, ONLY CORRECT INFORMATION SHALL BE ADDED TO A CONSUMERS CREDIT REPORT, and the information on the XXXX, DEMAND YOU, XXXX, XXXX, and EXPERIAN, TO REMOVE ALL OF THESE FRAUDULENT INCORRECT ACCOUNTS FROM THIS CREDIT REPORT WITHIN XXXX HOURS OF RECEIVING THIS LETTER. YES, I WANT THE ENTIRE ACCOUNT FULLY WHIPPED OFF THE CREDIT REPORT WITH NO FRAUD REMARKS OR DISPUTE COMMENTS REMARKS LEFT ON THE CREDIT REPORT. 
IF THESE FRAUDULENT, INACCURATE ACCOUNTS DO NOT COME OFF THE CREDIT REPORT WITHIN 24 HOURS. THE LAWYER HANDLING THIS MATTER SAID HE WILL BE TAKING MASSIVE LEGAL ACTION AGAINST THE FOLLOWING CORPORATIONS FOR LETTING THIS HAPPEN : POTENTIAL LAWSUITS LIST : EXPERIAN, XXXX, and XXXX TO MAKE THE DELETION PROCESS EASIER FOR YOU, ATTACHED IS A LIST OF THE INACCURATE ACCOUNTS THAT NEED TO BE TAKEN OFF THE CREDIT REPORT ASAP. AND FRAUDULENTLY REPORTED INQUIRIES THAT NEED TO BE TAKEN OFF ASAP.

15 USC 1681C-2 STATES I HAVE THE RIGHT TO PRIVACY AND A BLOCK OF INFORMATION. AND I NEVER GAVE ANY COMPANY WRITTEN CONSENT TO ADD THIS INFORMATION TO MY CREDIT REPORT! DELETE IT IMMEDIATELY!

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 : Also, States A Consumer Reporting Agency Can not Furnish A AccountWithout My Written Instructions!! 
DELETE THIS ACCOUNT IMMEDIATELY FROM THE CREDIT REPORT UNLESS YOU WANT TO BE HELD FOR {$1000.00} PER VIOLATION!!! 

XXXX  Account : XXXX ( XXXX, XXXX, XXXX ) XXXX XXXX XXXX Account : XXXX ( XXXX, XXXX XXXX XXXX  XXXX XXXX Account : XXXX ( XXXX, XXXX ) XXXX XXXX Account : XXXX ( XXXX, XXXX, XXXX ) XXXX XXXX : XXXX ( XXXX, XXXX, XXXX ) Inquires : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX, XXXX XXXX XXXXXX/XX/XXXX XXXX
Product: Credit card or prepaid card

Kohl 's is saying I submitted the same payment three times. Yesterday when I checked my Kohl 's Charge Account, there was ONE pending payment of {$27.00}. I then submitted a second payment of the rest of the balance because it only showed I had ONE pending payment of {$27.00}. Now they took that amount out of my account THREE times and refuse to give it back to me until all the payments are processed and I have basically " overpaid '' them. Now, I can not even get into my account because the website is saying " The site you are trying to access is currently unavailable.

We're sorry for any inconvenience this may cause. '' I find it very unethical the way they accept payments! If they are going to tell me I submitted a payment three times, then it should show accurately in the payment screen so customers don't get manipulated into paying more than they need to, or they simply take out more money than you authorize which is so illegal. I have tried contacting them twice. The first time I talked to a supervisor and apologized for the system glitch and they would send me a check as soon as everything posted. The next representatives were VERY unprofessional and putting all the blame on me saying that they see three payments and they don't understand what I'm saying. I told them all I only submitted the payment ONCE and they are saying I didn't if it's showing three times!! I keep a spreadsheet of my budget for 6 months at a time to keep track of my bills and I am very responsible at paying them on time and knowing how much to pay. So not even your call centers are telling me the same information..one says system error and the other fully blames me. Excellent customer service ....

The girl on the last phone call assured me that she only sees one pending payment of the remainder of my bill. I will be filing a police report if that charge comes out three times too!

I can not believe Kohls is doing this to its customers! I'll find somewhere else to shop and cancel my account after this is all figured out.