23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

When logged into my Bank of America online mortgage account, it shows that BOA made a county tax payment of {$3700.00}. These funds were taken from my escrow account. Per the county and tax records this was an unnecessary payment and the county tax payment was made in XXXX of XX/XX/2020for the correct amount of {$1400.00}. I have called bank of america three times on three different dates. I've been placed on hold for more than 9 hrs and when a representative finally answers the call they have no answer to my question and place me on hold. I need Bank of America to explain why was {$3700.00} taken from my escrow fund and a detail explanation of all money going into and out the escrow account for the past year. Bank of America is not a small bank and for them to not be able to provide me with an answer or put me on hold for hours is ridiculous.
Product: Student loan

I have gotten harassed by navient about my loans since I graduated in XXXX of XXXX. I called them and asked them to lower my monthly payments because I also have private loan through my school, and they stated I made to much money for a single person. I then called and asked them to consolidate my loans with my private loans so I can get a lower monthly payment, and they told me to fill out an application. All while my loans are still accumulating crazy interest! On top of my loans I have already accrued XXXX in interest.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account was opened fraudulently without my knowledge or permission even after filing a local police report company still reporting this fraudulent account.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 right to privacy.

15 U.S.C. 1681 section 604A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Mortgage

Wells Fargo took my home of years from me around 2017 and i was making my payments, they applied my money to another account number, please look into my problem because ii did everything i could to save my home and Wells Fargo gave me the run-a-round i ever have paperwork to prove it XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX XXXX AZ i XXXX in the same house but the address was changed and so was my account number, can you tell me what happened because as of today i am devastated they thru me out as well as my daughter, please help me make sense of this!! 

i can give accounts number when requested Thanks XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion removed  XXXX   XXXX  and then reinserted back on to my report on  XXXX   XXXX  in violation of federal law. The creditor failed to reply within 30 days. The debt was paid. Please remove  XXXX   XXXX  permanently from my report. Transunion incorrectly marked it as an update in violation of federal law.   XXXX    XXXX   deleted  XXXX   XXXX  also then reinserted in violation of federal law. The creditor failed to reply within 30 days.  XXXX  can not reinsert that creditor. I paid the debt. Please remove it.
Product: Credit reporting or other personal consumer reports

My identity was stolen and a bunch of false info appeared on my credit reports. Pls delete the fraud information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Late payments also started to appear on my accounts. My money was taken but they didn't go the accounts. I need help correcting the late payments for these accounts and update the status to Never Late : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Additionally, please remove these fraudulent hard inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I attached my FTC and IDs.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account XXXX -- INQUIRIES -- XXXX XXXX XXXX XXXXXX/XX/2022 : XXXX XX/XX/2022 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2022 :
Product: Credit reporting, credit repair services, or other personal consumer reports

I called Experian and while speaking with one of the representatives and supervisor. I states per the FRCA 15 usc 1681b ( e ) ( e ) Election of consumer to be excluded from lists ( 1 ) In general A consumer may elect to have the consumers name and address excluded from any list provided by a consumer reporting agency under subsection ( c ) ( 1 ) ( B ) in connection with a credit or insurance transaction that is not initiated by the consumer, by notifying the agency in accordance with paragraph ( 2 ) that the consumer does not consent to any use of a consumer report relating to the consumer in connection with any credit or insurance transaction that is not initiated by the consumer. 

They told me there wasn't such a law that allows the consumer to elect to exclude name and address provided by a consumer report. The supervisor then hung up on me during that call as they stated I was making up laws. and as you clearly see it is in the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Reported an account in tantamount of XXXX all.three credit bureaus. I have no knowledge of this account and I asked company to please accurately validate the debt since I am.disputing the debt. The company never honored my dispute request. this company just reported these accounts without validation or giving me the opportunity to dispute The information listed on on the credit bureaus are wrong. XXXX have a open fate of XXXX XXXX and an amount owed of XXXX, which I do not have any account in that amount that I owe.
Product: Mortgage

I applied for a modification and was denied in XX/XX/XXXX : I appealed the denial on XX/XX/XXXX and PHH told me they received the denial and I needed to add more information to my appeal ; which I did and submitted on XX/XX/XXXX. I had a foreclosure sale scheduled for XX/XX/XXXX, and I was told the foreclosure was on hold due to my appeal : I believed the Home owner bill of rights would give me a 30 day protection but PHH lifted the hold on my foreclosure. I filed a XXXX on XXXX to stop the sale ; please help me communicating with PHH and help me get a modification. 

Thank you
Product: Debt collection

Sallie Mae bank proceeds to call me and people they've found that are possibly close to me. They are harassing people who are not even related to me in an attempt to reach out to me. I have spoken with these people time and time again. They should not be finding random numbers to harass that are not even related to me.
Product: Credit card

I met the terms of our agreement, yet the account is still not off the bureaus and at that reporting consistently inconsistent from one bureau to the next. 
I have a good relationship with this card company and do not want to jeopardize that but the information the bureaus are regurgitating have already been on my report and nothing has changed as agreed. 
Completed XX/XX/XXXX Custom Reason Conflicting account information across all bureaus on this account. XXXX XXXX XXXX here Showing as collection CO However should be removed and not be reporting at all. Settled for less than full balance in XXXX paid in full. Currently still reporting on this closed account showing current with no lates on XXXX XXXX reported lates on XXXX XX/XX/XXXX or XXXX. XXXX and XXXX both showing XXXX lates XXXX, XXXX, XXXX this conflicts the paid in full account being reported XXXX. 
Sent XX/XX/XXXX I Previously Disputed This I have new accounts established with you which are all in good standing and looking to scale my business ' with you in other ways however this account and another are obstructing my ability to obtain the business credit required to continue to build my business and wondering IF I can call on you to delete this from my record. Previously I disputed this account stating : " Conflicting account information across all bureaus on this account. XXXX XXXX XXXX here Showing as XXXX  XXXX. However, should be removed and not be reporting at all. Settled for less than full balance in XXXX paid in full. Currently still reporting on this closed account showing current with no lates on XXXX XXXX reported lates on XXXX XX/XX/XXXX or XXXX. XXXX and XXXX both showing XXXX lates XXXX, XXXX, XXXX this conflicts the paid in full account being reported XXXX. ". 
I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof of the negative payment status for this account or delete the negative information in this account.
Product: Credit reporting or other personal consumer reports

This identity theft report with the FTC was not made in error and is not a material misrepresentation this account is fraudulent the federal law states that identity theft is a punishable offense and one could be held liable for XXXX  years in jail or {$5000.00} or both. A bank statement or any statement from third party is not evidence I owe a debt.
Product: Mortgage

I am administrator for estate of XXXX XXXX, all documents were sent to Roundpoint Mortgage in order to communicate with them. The mortgage loan for property was paid off on XX/XX/2024. I waited untile 30 days later to inquire about refund of escrow account and additional interest that was remitted to payoff loan. I was assured check was coming, and confirmed my mailing address, and capacity to receive as administrator for the estate. Subsequently, loan status is shown as paidoff, and I am unable to reach anyone via phone, nor email. I have sent emails re status of refund, no response, and when calling am hung up on. You simply can not reach a live person. Legally they are required to remit funds with 21 days after loan paid in full. It has been well over that. I need an accounting and check as the probate referree needs this information as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX has broken several laws and has ignored all consumer debt collection rights. I have received several calls after the set time of statute of limitations as well as trying to reach out in regards to XXXX XXXX robo signing my name for some agreement that I am unaware of terms. Please see cases 1 ) XXXX XXXX XXXX vs. Our Client XXXX ; XXXX County District Court XXXX ) XXXX XXXX XXXX vs. Our ClientXXXX ; XXXX County Justice Court XXXX, 2 ) XXXX XXXX XXXX vs. Our Client XXXX ; XXXX County Justice Court XXXX. Ive tried to dispute the collection as they are not my creditor and since ive been harrased by them so many times I would like the collection removed. A dispute took over 35 days and still not removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 a collection account has been wrongfully placed on my credit report BY your office and you are being held responsible from here on your currently reporting is XXXX XXXX I FOR THE AMOUNT OF {$5.00} XXXX to whom this may concern I want to inform your office that you are in violation of fcra and fdcpa. you have violated my rights by reporting salse inaccurate information by placing these false accounts on my consumer credit report..the list of collection that are reporting has not been opened by me I have no knowledge of them, be advise by law I have the right to PRIVACY and you the credit reporting agencies have violated it..the list of accused collections accounts and dates FOLLOW AS : XXXX XXXX  I opened XX/XX/XXXX XXXX FOR {$5100.00}, XXXX  XXXX  XXXX  opened XX/XX/XXXX XXXX FOR {$14000.00}, XXXX/XXXX  XXXX  opened XX/XX/XXXX XXXX FOR {$0.00} XXXX XXXX opened XX/XX/XXXX XXXX FOR {$5100.00} XXXX XXXX opened XX/XX/XXXX XXXX {$4900.00}, XXXX  XXXX  XXXX XXXX XX/XX/XXXX XXXX FOR {$14000.00}, XXXX XXXX XXXX opened XX/XX/XXXX XXXX FOR {$5100.00} ..BY LAW WHEN AN CONSUMER STARTS A DISPUTE WITH A CREDDIT REPORTING AGENCY, THE ACCOUNT THE CONSUMER IS DISPUTING MUST BE DELTED UNTIL FURTHER INVESTIGATIONTHE CREDIT REPORTING AGENCIES AS FOLLOW : XXXX, XXXX AND EQUIFAX ARE CURRENTLY IN VIOLATION AND HAS VOLATED MY RIGHTS UNDER FCRA AND FDCPA , under 15 U.S. Code 1681 Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods and undermine the public confidence which is essential to the continued functioning of the banking system ( b ) Reasonable procedures It Is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit. personnel, insurance, and other information In a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapt
Product: Debt collection

Portfolio Recovered Associates continue to report this debt from XXXX  XXXX which is from a account with a original default date of 2010. This account is being reported and has been report consistently and illegally. I spoke with a agent and advised the statue of limitations have expired and this account has to be removed from all reports. Despite my request it has continued to be reported and that is wrong and illegal. Id like these to be removed immediately and cease false reports that have negative impacts on my credit and finances. Ive never received a debt validation from the original creditor because they know it shows a date of 2010! Its been almost 11 years like really this is insane and unfair and unjust and illegal. This account should be closed indefinitely and never resold or reported again. This is my final request before seeking a legal service because calling gets me nowhere but a mediocre supervisor with lies perhaps this communication will get me a real director or manager from the company who will review this account and see what Im referring too. Id definitely want proof of documentation as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

After sending information to verify myself with my disputes ( XX/XX/2018 ), Equifax has failed to respond to the following issues on my credit report. They have violated the FCRA 30-day-to-respond regulation. Please see items below XXXX   XXXX XXXX XXXX XXXX XXXX {$1900.00} not mine
Product: Mortgage

This is a follow up to a complaint with you regarding Amerisave Complaint # XXXX I rebuttled their response to the complaint. But I still can't close with XXXX because Amerisave still has it noted that I have an open account interest per MER 's. I need a cancellation letter per XXXX. Amerisave has been notified multiple times again. Yet haven't responded or done their part to close my interest with them. I need CFPB to help them do their job in a timely matter. I need to close with XXXX this week, otherwise I have to pay XX/XX/XXXX mortgage payment. This problem has lingered since XX/XX/XXXX let me remind everyone!
Product: Credit card

These accounts represents a clear breach of contract and are fraudulent in nature. The bank failed to provide me with essential information regarding these fraudulent accounts, which is a direct violation of my rights as a consumer. Therefore, I urgently request the Consumer Financial Protection Bureau ( CFPB ) to handle this matter directly, as the bank 's actions have resulted in significant harm to my financial well-being. The account are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Debt collection

XXXX  reported on my credit report on XX/XX/XXXX that I have a collection for {$210.00}. That is the wrong date, the account was opened XX/XX/XXXX. I never recieved anything in mail about this account. I called the collection agency and they gave me information and told me that the account was being sent to another address that I know longer stayed at. I paid the debt and XXXX  telling me that they can't remove the debt. 

I had no knowledge about this debt when it reported on my credit report. 
The last letter was sent to an address that I know longer lived at, XXXX. I haven't been at that address for 4 years.
Product: Mortgage

False advertised bait and switch, farming for leads I believe is the deal. when I applied they denied due to credit score not qualifying Though they say I can be approved for a mortgage with a XXXX for a VA loan when you apply they deny it if under a XXXX score. Refused to review w underwriter as all my debts are clear less than 10 % XXXX and no current mortagage and 100 % equity in another home. Not one underwriter reviewed my application fairly nor did they follow their own advertising.
Product: Debt collection

I am writing to formally dispute an error in my credit report as it pertains to a collection on my account I believe this information is inaccurate and violates my rights under the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S. Code 1681o, which holds a party liable for willfully failing to comply with the FCRAs requirements.

The specific item ( s ) I am disputing are as follows : False portfolio one account not opened by me I have reason to believe that this information is not accurate, and I am requesting that you investigate the matter as required under the FCRA. As per 15 U.S. Code 1681o, I believe the information may have been reported willfully in violation of the law, and I request that you provide verification of its accuracy. If you can not provide such verification, I ask that the disputed information be removed from my credit report immediately.

Please investigate this matter within the required 30-day period and notify me of the results of your investigation. If the dispute is not resolved in my favor, I request a written explanation of your findings and a copy of any supporting documentation. 

Thank you for your prompt attention to this matter.
Product: Credit reporting

Noticed some fraudulent stuff on my credit reports and did n't know what to do. Call and asked around everywhere I went, XXXX, ftc, now here said to file theft affidavit. I 've tried to work with this bureau but they wo n't help. Attached is my file and let me know if you need me to do anything else.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion doesnt want to or always finding it difficult to respond to my disputes via mail. They come up with it didnt come from me when it came from me and now I have been trying to dispute hard inquiry, even after I sent a document to them, they still doesnt want to enforce my problem. Transunion XXXX  and needs to be looked into XXXX XXXX reporting incorrect balance XXXX XXXX XXXX is reporting wrong balance XXXXXXXX XXXX  is reporting incorrect payment history and transunion continuously ignore my dispute request Transunion continuously keep violating my consumer rights by not exercising it. 

15 U.S. Code 1679c have a right to dispute inaccurate information in your credit report by contacting the credit bureau directly. However, neither you nor any credit repair company or credit repair organization has the right to have accurate, current, and verifiable information removed from your credit report. The credit bureau must remove accurate, negative information from your report only if it is over 7 years old. Bankruptcy information can be reported for 10 years. 
Transunion is not honoring this! 
Also the phone numbers attached to my transunion is not mines. The only personal number I have is XXXX and thats it.
Product: Mortgage

Chase Bank filed for foreclosure. We want to pay off the loan in full as we have equity and we can get a new loan, but we questioned their pay off amount. We wrote them a formal letter on XX/XX/XXXX their number. On XXXX XXXX, supposedly Chase referred the matter to their Executive Escalation Department. Chase responded rote us a letter on XX/XX/XXXX, but it was obvious that they had not read the original letter of XX/XX/XXXX, so we sent them another copy of that letter. Since them we have received separate letters from Chase promising a detailed reply to our concerns by XXXX XXXX, and then written requests for extensions by Chase on XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX. On XXXX XXXX we wrote Chase to tell them that we would not grant any extension beyond A gust XXXX, and that we would file a complaint with your agency. Today we received another letter from Chase requesting an extension to XXXX XXXX. Due to Chase 's failure to give us a correct payoff amount since XX/XX/XXXX, we have now lost our loan commitment.
Product: Credit reporting, credit repair services, or other personal consumer reports

A hard inquiry has been placed on my Equifax credit report which is not mine. I disputed it as fraud with Equifax online, several times, and they keep sending me back the same results, no change. I contacted the company and they said I have to go back to Equifax. 
I am tired of the run around. I never applied for anything with them. 
Here 's the company 's address : XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Reported XX/XX/2018 XXXX