23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Hi I bought a home in XXXX Pa.I ended up filing a complaint against my realtor.Due to neglegence and violated our contract.The home I paid for the guy who owned it.Did not tell me about prior issues.I had the city come in and found out there is a ton of issues the prior owner new about but failed to tell me of the issues.We had to rewire the intire home and add a new heater and ac unit.I paid XXXX on top of the XXXX offer.It turns out this home has so much work to do that it so far costed me over XXXX.I then notified the loan agent and realtor.I also paid XXXX he was to buy a washer, dryer fridg and stove.Those items were not working.So I had to pay money twice for items I paid for prior to me buying the home.I ended up in XXXX  after a total XXXX XXXX.I got behind by one payment.And I paid it.With 4 XXXX late fees.I went to the realtor hearing.Turned out my loan agent went in to testify against me.I had talked to him emailed and called on the phone of all these issues.The last owner did not fix it.We found pipes being held up by leaves to cover up a giant hole in pipe.My realtor also threatened to end my sale at table.Because she had a side deal with a guy that was to buy my home.It turned out he had none.So she wanted to make a deal to pay him even after not buying my home.And I refused.So I filed against her.My loan company gave my loan to two different companies.They stated they would not report me late that I should pay prior to them posting.The hearing was XXXX.Right after I found out they posted it to my credit and reported the months I was still paying every month but backed by one.I feel XXXX XXXX did this out of spite due to my complaint against his friend my realtor.I feel this had something to do with me being XXXX and damaged my credit just because.I went through a lot and this company retaliated against me due to my complaint against my realtor.I have the text and pictures of the home.There is almost XXXX in work that newds done.Because of the contraxt I would not of bought the home if I new there was so much work needed to fix it.But because of retaliation, and me being of XXXX and my complaint They are purposly damaging my credit and reputation.I bought the home XX/XX/.
Product: Mortgage

PennyMacUSA notified me Forced Placed Insurance was going to be bought and placed in the ESCROW account unless proof was provided Wind & Hail coverage was or has been purchased. ( I live in a coastal region ). 
My wind and hail policy did elapse, and I bought new insurance and provided that information to PennyMacUSA once I received the first letter from them. 
However, according to a follow up letter I received XX/XX/XXXX and a phone call I had with them, PennyMacUSA will still backdate the Forced Placed Insurance between XX/XX/XXXX and XX/XX/XXXX, and charge the escrow account {$1100.00}. 
I do not see a legal basis or anything in the mortgage contact for backdating and instituting a fine for insurance being lapsed. It makes sense on a forward basis, but insuring the past is not insurance.
Product: Vehicle loan or lease

XXXX XXXX XXXX has took out a loan in my name without my permission. I request an audit trail in accordance with XXXX. I am the consumer in fact, I am the original creditor, everything I do is for family, household and personal purposes.
Product: Credit reporting, credit repair services, or other personal consumer reports

In acordance with the Fair Credit reporting act convergent account XXXX XXXX account number : XXXX has violated my rights. This loan was paid in full by the coverage and purchase by another lender. They dont have the right to still reporting this account anymore. In addition to that they have a remark in each credit reporting agency as " paid in full and purchase by another lender ''. Also the debt was paid in full to the next company that purchased the loan. I have tried many times to contact this company XXXX XXXX XXXX to get this incorrect information out of my credit reports, but It has been unsuccesfull since 2018.
Product: Credit reporting or other personal consumer reports

I received a copy of my credit report and found the following item listed below to be an error. 

XXXX OPEN DATE : XX/XX/year> - ACCT # XXXX Pursuant to 15 USC 1666b A creditor may not treat a payment on a credit card account under a 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 21days before the payment due date. I NEVER gave TRANSUNION Reporting Agency OR CREDITONEBNK any written instruction to furnish any information on my consumer report which is a violation of 15 USC 1681b ( 2 ). TRANSUNION Credit Reporting Agency has caused severe stress and anxiety due to its abusive and unfair practices. This is a violation of 15 U.S. Code 1692 ( a ) Abusive Practices,15 U.S. Code 1681b ( 2 ), and 15 USC 1666b to which there exists liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for $ 1k per violation, for unauthorized credit reporting listed without my expressed written consent.
Product: Money transfer, virtual currency, or money service

I sent a payment through XXXX and the person never received it and the money was taken out my account
Product: Student loan

ON XX/XX/2020 I submitted my Public Service Loan Forgiveness Program form for last year. MyFedLoan.org is suppose to review the form and grant me credit for the past months towards my 120 payments to complete the program. I have called every couple weeks for the last 90 days and I get the same excuse. They have to verify my employer is still qualified. I work for XXXX as a XXXX XXXX. Same place for the last 7 years. As of this morning the service provider still hasnt given me credit for last 12 months and no one there knows what the hold up is. I get the same generic response. Please help before these payments no longer qualify.
Product: Debt collection

I got a loan over seven years ago and its gone into collections but I think they keep buying the collection from the original people and are still trying to collect and its been on my Credit report for like seven years at least seven years and Im trying to clear my credit up and I cant because they wont take it off the same companies reporting the debt for {$110.00}. They say the dead is from 2015 but that is not true this debt is from At least 10 years ago.
Product: Debt collection

I have received a later to collect a debt that I know nothing about. Called the debt collector and they said it was a credit card through The XXXX XXXX  on XX/XX/2020. I have no idea what they are talking about nor have I ever seen any kinda bill for this. I have no cards like this and never have. Please help!
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$900.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$300.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$340.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

In XXXX Wells Fargo Mortgage held Deed to our home along with a Home Equity Line of Credit ( HELOC ). In XX/XX/XXXX we applied to have our home refinanced by XXXX Loans. Our loan was approved and our Deed of Reconveyance for the house was recorded on XX/XX/XXXX. The HELOC was paid in full at the time of the refinance but apparently was never recorded with the State of XXXX 

Moving forward to XX/XX/XXXX, we applied to refinance our home again, this time with XXXX XXXX in order to lower our rate from 3.75 % to 2.75 %. Everything was going smoothly until the underwriter and title company discovered that Wells Fargo Mortgage has never recorded that the HELOC was payed off in XXXX of XXXX. 

I have spoken twice with Wells Fargo Mortgage ( XX/XX/XXXX & XX/XX/XXXX ) being assured that this would be rectified. As of XX/XX/XXXX the Confirmation of Closure on this HELOC has not been recorded. I have spoken numerous times with XXXX XXXX and they have the excuse that the problem is due to the virus. I also have spoken numerous time with XXXX XXXX and they claim there is nothing they can due. 

Meanwhile what is normally a 30 - 45 day process to close on a mortgage has now been more than 90 days. We may have lost our locked rate of 2.75 % due to Wells Fargo Mortgages error, costing us thousands of dollars. 

Please advise what else we can do.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Inaccurate Personal Information on My Credit Report To Whom It May Concern, I am writing to formally dispute inaccurate personal information that appears on my credit report. As a consumer, I have the right to ensure that my credit file contains only correct and verifiable information under the Fair Credit Reporting Act ( FCRA ).

Upon reviewing my credit report, I discovered multiple incorrect names, addresses, employers, and phone numbers that do not belong to me. To clarify, my correct and accurate personal information is as follows and the Attached Document. I only have 1 name 1 address 1 phone number.
Product: Credit reporting or other personal consumer reports

Name : XXXX XXXX Address : XXXX XXXX XXXX apto XXXX XXXX Tx XXXX XXXX To whom it may concern, On day XXXX they sent me their investigation and said these accounts are complete and accurate. 
I looked at my report and noticed everything is still the same..

and according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, 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 ( il ) 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 1681eb they are supposed to ensure this b ) Accuracy of report 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. 
And according to 15 USC 1681s-2 this os suppose to happen ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( i ) the information is, in fact, inaccurate. 

Account : XXXX XXXX XXXX
Product: Debt collection

First time they contacted BY E-MAIL was XX/XX/XXXX and the -mail they had contacted me through is one my mother uses that's in my name. I don't know how they even got that one. 

The e-mail had been hacked a month ago and now here it is personal info was on that e-mail
Product: Money transfer, virtual currency, or money service

Forwarded money to a name, did not initially attach an email address ; asked that they attach email address and PayPal Refused. The payment was denied by recipient and PayPal refuses to refund payment.
Product: Checking or savings account

I closed an account more than 5 months ago but Citibank has refused to refund the amount that was in the account. I have talked to Citibank customer care representatives and visited a branch ( located on XXXX XXXX XXXX XXXX, XXXX XXXX, NY XXXX ) more than 5 times each. Every time I call customer care, I am told to visit a branch for resolution, but when I visit a branch ( at above address ), I am told to wait for a check in the mail. The following are some of the people that I have talked to and gave me assurances that my issue will be resolved at the branch mentioned above. * XXXX XXXX XXXX *  XXXX XXXX * XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Several years ago I won a Dispute against XXXX XXXX for Id theft / unauthorized charges and it was removed. Experian has now reinserted the same debt under a different debt buyers name. This is an account that was fraudulent and should be removed ASAP.
Product: Credit reporting

I mailed out multiple letters to Equifax stating a XXXX mortgage is reporting o my credit report. There is no activity on this account in XX/XX/XXXX or XX/XX/XXXX. I want it removed from my credit profile. I do not live in TN. 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to express my deep disappointment and frustration with the ongoing dispute regarding these negative items that are inaccurately listed on my credit report. Despite my repeated efforts and communication with your company these erroneous entries continue to affect my credit score adversely. 

-- -- -TransUnion XXXX -- - XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX  XXXX XXXX XXXX XXXX FIN XXXX -- -- XXXX -- -- - XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX -Equifax -- -- - XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX  XXXX
Product: Debt collection

Ive received several text messages about a debt That is not mine!. I called and spoke to XXXX and i spoke to a rude man informing them to stop sending me texts and calling me about a debt that IS NOT MINE! IM NOT MARRIED THEY CONSTANTLY CALL AND TEXT ME.TO THE POINT OF HARRASSMENT. IVE ASKED THEM TO REMOVE MY NUMBER.BUT THEY CONTINUE TO HARRASS AND ARE EXTREMELY RUDE!
Product: Credit reporting or other personal consumer reports

Grain technology I paid down my credit card but it has a high balance which which has since been reported i disputed it will all the agencies multiple time but has been unsuccessful getting the information changed balance is showing XXXX paid XXXX and now its XXXX and still reporting XXXX i called the company to get a updated statement but they said the account was sent to someone else but they still accept my payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit/my file/my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX Balance : {$1100.00} XXXX XXXXXXXX Balance : {$820.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$2400.00} XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

This all started last year when I opened an account with XXXX XXXX XXXX to pay for an extended warranty for 0 % APR ... Upon using the card 1 time for this payment, I put the card away and setup auto payment. I checked it every couple months but never more. Apparently in XXXX Elan Financial began sending us notifications that ELAN would be taking control of my XXXX account. The notification DID NOT come from XXXX it came from a financial institution I HAVE NEVER done business with. I threw the mail away accordingly. When the transfer was complete in XX/XX/XXXX/early XX/XX/XXXX, ELAN didnt bring over my autopay, never made any attempts to contact me other than mail that I threw away, and XXXX never said ANYTHING. The transfer CANCELLED my auto pay and I was never notified. 51 days later I received my first phone call from Elan notifying me that I was 51 days late on a XXXX, which I HAVE NEVER OPENED A XXXX, I only use XXXX  ... this is when I learned about the transfer and how they SWITCHED MY CARD without my permission. They canceled my auto pay and they ruined my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

We were applying for a mortgage and the financial lenders where not able to pull my report or credit score. I received a report with credit scores from all three agencies on XX/XX/XXXX but when the mortgage lenders tried to get my credit report nothing would show up. I have  called XXXX, and XXXX XXXX and they tell me everything is fine, but still not letting the lenders pull my report so I ca n't get a loan for any home, I tried to apply for a credit card and was turned down because no credit information was showing. I had a short sale of a home close just 5 years ago so I know I have credit history. Help! nobody will help me and I am being denied credit through no fault of my own.
Product: Credit reporting or other personal consumer reports

I contacted XXXX and Experian about this XXXX account # XXXX that show XXXX balances but, reporting charge off and they told me that, this information was verified as accurate. Under the Fair Credit Reporting Act ( FCRA ) 15 U.S. Code 1681i ( a ) ( 7 ), I am entitled to a description of the procedure used to determine the accuracy and completeness of the disputed information.

They deliberately refused for the past 7 months to show or provide Details of the evidence and documentation they used to substantiate the reported information.
Product: Credit card

I, XXXX XXXX, as a federally protected consumer and per the Fair Credit Reporting Act ( 15 USC 1681 ) I am now opting out of any and all authorizations that I may have given you written, unwritten, oral, verbal or nonverbal per U.S.C 6802 effective immediately and indefinitely. DISCOVERBANK XXXXXXXX
Product: Credit reporting or other personal consumer reports

Santander consumer reported incorrect payment dates, payment amounts, incorrect billing errors and had two separate third party repossession companies breach the peace on private property.This financial institution failed to protect my privacy and personal information. Non judicial Illegal repossession in XX/XX/2023 and then XX/XX/2023. Violations cited : 15 USC 1666 ( b ), 15 USC 1666 ( d ), 15 USC 1691, 15 USC 1692, 15 USC 1692b, 15 USC 1692c, 15 USC 1692d, 15 USC 1692e, 15 USC 1692f, Gramm-Leach-Bliley Act. XXXX XXXX Police department report number : XXXX.
Product: Credit reporting

I was pre- approved by my lender / XXXX for a texas XXXX land board home loan, and now when we are in our option period of purchasing our first home, our lender said he can not proceed with the load due to not having a credit score. XXXX?!?! I have excellent credit, in the high XXXX 's, and its been like that for a long time ; seems someone has screwed us over so we cant purchase a home. I just want my score back, plain and simple. These idiots always had a score for me, now when I need it I dont have XXXX?!?!?!??? Something is very fishy about this, like someone is watching us and creating this problem. My wife who has only 2 yrs work experience in the usa from the XXXX has a score, yet I have more credit than her and where XXXX is my score?!?!?! This is my first time to complain about a credit reporting agency like this, except when my identity was stolen. I work in XXXX, pay bills on time, even have some auto pays with a credit card and bank acct. From what I did find out, I am in good standing, which is good news, however they are not giving me a score which we need to get a loan. Anyone who can help us out would be appreciated, and put a stop to these XXXX XXXX with people. I did put a fraud alert on my acct., since I dont know whats going on. I also noticed on my report a mistake that I payed {$230.00}, I usually pay upwards of {$1000.00} or more via a phone system with XXXX, and I do keep records of that, however I am not usually reading my credit report. Thanks.
Product: Credit card or prepaid card

I have a promotional offer with a credit card, it is my understanding that all credit cards have this policy/rule/guideline. I have a balance transfer offer that I took advantage of, paid the transaction fee, and tried to pay prudently. 

XXXX XXXX at 0.99 % ; rate expires XX/XX/XXXX ; Balance around XXXX XXXX XXXX at 0.00 % ; rate expires XX/XX/XXXX ; Balance around XXXX I made a monthly payment around {$350.00}. So for the past XXXX - 12 months I have made an effort to pay off the XXXX XXXX so that I could have a XXXX balance come its expiration date. On XX/XX/XXXX, the rate increased to 19.49 %. 

However, it has been impossible for me to pay toward XXXX XXXX. Once my XXXX XXXX started ( likely XXXX XXXX ), the entire payment has gone to Balance Transfer # XXXX. I don't want it to go to # XXXX, I want it to go toward # XXXX. I CAN NOT DESIGNATE WHERE MY MONEY GOES. 

I have called twice over past 6 months to designate my payment to XXXX XXXX, but they can not put the payment toward that offer because there is a law? that requires the payment to go toward the balance with a higher interest rate. I asked the company ( Citibank ) to move the money due from # XXXX to # XXXX, but no, not without paying the transaction fee again. 

Clearly this Law? went into place to protect consumers, but they missed this caveat. So, as of XX/XX/XXXX - I have a XXXX balance on XXXX # XXXX, but my offer has 4 months remaining. I have my XXXX XXXX balance on XXXX # XXXX, now at an interest rate of 19 %.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX ( Original Creditor : XXXX XXXX ) # 1420 ****, 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

A different name is report on my credit report. My date of birth is reporting incorrectly. 

XXXX XXXX XX/XX/XXXX Multiple addresses that is not my correct mailing address is reporting on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Product: Credit card

I was given a promotional offer which stated a {$300.00} Dollar increase for my XXXX XXXX XXXX. The offer stated that the offer was already pre-approved. The credit card company and the credit bureau subsequently rejected my request for an increase per agreement.