23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Short version : The company owes me money and is ignoring numerous methods of contacting them, all documented below. 

Details : LoanCare is my mortgage service provider. My loan was sold to them as, clearly, no sane person would choose to do business with LoanCare. My residence 's property taxes are due in XXXX, and we refinanced and closed this LoanCare loan on XX/XX/XXXX. The closing attorney for our new loan paid the property taxes in early XX/XX/XXXX, and then LoanCare *also* paid the property taxes. I have confirmed with the XXXX XXXX XXXX for XXXX XXXX, South Carolina that the closing attorneys payment was received first. Therefore, when the XXXX XXXX XXXX received the LoanCare payment from our escrow account, they sent a refund check to LoanCare on XX/XX/XXXX. 

That property tax refund belongs to us. Until LoanCare refunds us, we have essentially paid property taxes twice : once through the closing on the refinance and once through a full year 's worth of escrow that LoanCare collected with our monthly payments. Anyone can contact the XXXX XXXX XXXX XXXX for XXXX XXXX to verify this. 

LoanCare 's website agrees that our mortgage with them is paid-off as of XX/XX/XXXX. Unfortunately, they are not showing the negative {$3800.00}. Even though they recognize that we don't owe them anything else, and our relationship should be over, they have not refunded the doubly-paid property taxes of {$3800.00}. 

I've contacted them : Friday, XX/XX/XXXX through their website 's contact form. The responded the next day through email with " Your information has been forwarded to the Tax Team. Please allow more time for further research and resolution. '' Friday XX/XX/XXXX through their website 's contact form. They responded similarly but with no solution. 

Numerous times through their phone system, but there's no way to talk to actual person. 

Through an email I found by searching on the internet ( also listed on their main XXXX page ). Sent an email to XXXX on XX/XX/XXXX. I received a phone call from an odd number ( it was not the correct number of digits ) that left me a voicemail saying to call them back at their original phone number. Of course, that does not solve anything because it's an endless phone tree. There's no way to reach an actual person. 

Monday, XX/XX/XXXX through their website 's contact form. They responded with a short sentence about how they'd forward my inquiry to a team of specialists. No solution has come of this. 

Friday, XX/XX/XXXX through their website 's contact form. They responded with a short sentence about how they'd forward my inquiry to the tax team. No solution has come of this. 

Through an email XXXX on Monday, XX/XX/XXXX. No response at all. 

Through two certified letters detailing every piece of information they'd need to write me the check I'm owed : XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent this company my disputes on XX/XX/XXXX18 with full details on what accounts were erroneous and I needed to be removed. The account I disputed was linked to somebody whose last name is XXXX who lived in XXXXXXXX XXXX XXXX  # XXXX XXXX XXXX XXXX, CA XXXX. 
In the dispute, I attached documents to proof that The name and address wasnt mine. I attached my Identity documents as proof of my address and Names which categorically differentiate from the person on the account that was supposed to be mine. 
But to my surprise, this company refused to delete this account even with the overwhelming evidence from my identity documents. For yet another time, this account is not mine and I need deleted immediately : XXXX XXXX # XXXX, Date Opened XX/XX/2005, Original Balance {$350000.00} Attached here with is the dispute letter I sent this company, my Proof of address where I have been living since then and my Driving License which states my names fully. Any name thats not on my Identity documents is not mine.
Product: Credit reporting or other personal consumer reports

I am a victim of a data breach and these accounts listed are not mine and were unauthorized XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  The following inquiries are unauthorized : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Product: Debt collection

I received a phone call from " XXXX from Comenity Bank '' ( number XXXX ) trying to recover a debt from my sister ( whom I do not live with nor have ever had shared financial accounts with ). This was extremely inappropriate and I believe illegal.
Product: Debt collection

They bought the debt from XXXX XXXX XXXX I never applied for this account opened due to fraud for the amount XXXX
Product: Checking or savings account

I want to file a dispute for many overdraft fees with Navy federal that Ive incurred. Despite having funds available in my account. Transaction posting to my account
Product: Credit card or prepaid card

Well its been actually a few years this problem has been going on. I have sent all credit agencies XXXX, XXXX, And XXXX  a police report about this loan being fraudulent. They still have't taking it off.
Product: Credit reporting or other personal consumer reports

I am writing to you regarding discrepancies I have found on my credit report. 

Account : XXXX XXXX  Account # XXXX Why is this account being reported with 2 different dates of last activity? 
15 USC 1692 g validation of debt This account is written off as a charge off. This account is ran as a charge off and I have not received a 1099c cancellation of debt form. This account is inaccurate and is being reported on my credit report. 
I do not recognize how this account is reporting on my credit report. I do not recognize the account number. I do not recognize the account high balance and nor do I recognize the late payment associated with it everything reported here does not meet the FCRA. The negative item does not meet the FCRA reporting requirements. I do not understand why this item is being reported when I did not give written consent to share my information. 
This agency is in violation of 15 USC 1692g. they were also to notify me in writing 5 days prior, I was not notified.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. XXXX XXXX {$810.00} XXXX XXXX {$590.00} XXXX XXXX {$790.00} CHAPTER XXXX BANKRUPTCY DISSMISSED XXXX {$0.00}
Product: Credit card or prepaid card

The credit card with bank of america was due on XX/XX/XXXX, the card was completely paid off ( the amount of {$3000.00} ) XX/XX/XXXX. A call was placed to customer service to see if the late fee can be waived, the representative was rude and did not want to help. Upon checking the account XX/XX/XXXX and interest amount of over {$45.00} was issues. For an account that was paid off ( minus the late fee )  XX/XX/XXXX before the billing cycle of XX/XX/XXXX. I called to obtain the late fee waived, ( first time in over 8 years of having the card ) and they stated they couldnt. On top of these they informed me they are charging me interest for a charge was made in mid XXXX in XXXX. The account was paid off the XXXX before the billing cycle ended. They were unable to explain why or even waive a late fee for the first time in 8 years. After speaking with a rep and manager I became extremely frustrating because they were not helpful at all. I explained multiple time this was the first time in 8 years I had called, they manager even stated that the pay history was great. I was also informed they place a type of promotional items without the consent of the card holder :
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting credit inquiry that were unauthorized be removed from my credit report. Description of Disputes inquires : I never Authorized theses : I Demand written verification and documentation that the inquiries actually took place immediately. Proof of my permission for them to pull my credit. You can't verify all of the details, inquiries need to be removed. Validation I am requesting that you remove this information from my credit report. Thank you for your help in this matter. This is a request to remove the following inquiry that were made without my expressed permission : - XXXX XX/XX/XXXX - XXXX XXXX XX/XX/XXXX - XXXX XX/XX/XXXX ( XXXX ) - XXXX  XX/XX/XXXX ( EQUIFAX XXXX - XXXX XXXX XX/XX/XXXX XXXX XXXX ) - XXXX XX/XX/XXXX ( XXXX ) XXXX XXXX XX/XX/XXXX ( XXXX  ) XXXX XXXX XXXX XXXX XX/XX/XXXX ( XXXX ) - XXXX XX/XX/XXXX ( XXXX  ) - XXXX XX/XX/XXXX ( XXXX ) XXXX XXXX  XXXX XX/XX/XXXX ( XXXX XXXX - XXXX XX/XX/XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 ( XXXX ) - XXXX XXXXXXXX XX/XX/XXXX ( XXXX ) These inquiries according to the FCRA were not made due to XXXX firm offer of credit, to obtain insurance, employment, or by a court order. Please remove these inquiries that did not have permissible purpose to pull my credit. Nor have i received documentary evidence under 15 usc 44 of the investigation consumer report as defined in 15 usc 1681a ( a ) ( 1 ) ( e ). under 15 usc 1681a ( 2 ) ( i ) WHICH is questionable as well. Under the FCRA, the burden of proof lies on the bureaus you are the one allowing fraudulent information to report on my credit report. HOW DID YOU Verify? Please send me a description of the procedures used in your investigation. Thank you for following the ethical standards set by the FCRA and removing these inquiries.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the inaccurate information that has been reported on my credit reports by XXXX XXXX. According to my credit reports, the account number XXXX was reported as a revolving account by Transunion and XXXX, while XXXX reported it as a credit card account. Moreover, TransUnion reported a {$0.00} monthly payment, while XXXX and XXXX did not disclose it. TransUnion and XXXX also reported a balance of {$0.00}, while XXXX did not. 

Based on the details provided, XXXX XXXX has violated the following sections of the Fair Credit Reporting Act ( FCRA ) : Section 607 ( b ) - Requires consumer reporting agencies to follow reasonable procedures to ensure the accuracy of the information in the consumer 's credit file.

Section 623 ( a ) ( 1 ) ( A ) - Requires furnishers of information to consumer reporting agencies to provide accurate and complete information about the consumer 's account.

Section 623 ( a ) ( 2 ) - Requires furnishers of information to correct and update information about the consumer 's account when they are notified of errors.

Section 623 ( a ) ( 5 ) - Requires furnishers of information to report the date of last activity on the account accurately.

Section 623 ( a ) ( 7 ) - Requires furnishers of information to report the balance on the account accurately.

Furthermore, the Fair and Accurate Credit Transactions Act ( FACTA ) Section 612 ( a ) ( 7 ) requires consumer reporting agencies to disclose all information in a consumer 's file, including the payment history and any dispute comments. XXXX XXXX failed to disclose the {$0.00} monthly payment to XXXX and XXXX. 

This inaccurate reporting has had a significant negative impact on my life. It has made it difficult for me to obtain credit or secure loans at reasonable rates, even though I have been financially responsible and timely with my payments. I have been denied credit for a mortgage, car loan, and other essential needs because of the false information on my credit report. This has caused me a great deal of stress and anxiety, and it is unfair that I am being punished for errors that are not my fault. 

Therefore, I am requesting that XXXX XXXX immediately remove the unverified collection accounts from my credit reports, in compliance with the FCRA and FACTA. I also urge the CFPB to enforce legal action against XXXX XXXX to ensure that they are held accountable for their violations and that this issue is not repeated for other consumers. 

Thank you for your time and assistance in resolving this matter. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Mortgage

I XXXX XXXX applied for a mortgage on or about XX/XX/XXXX. 
I applied for a mortgage amount approximately of {$500000.00}. 
I filled out a XXXX form and supplied all necessary documentation along with signing aXXXX form so the bank who originated this no income check subprime mortgage to verifyI can afford it. The bank who originated this mortgage committed fraud in the fact that they never audited and ordered my XXXX 's directly from the IRS to verify my actual income and stated what it was instead. The current mortgage with Wells Fargo Home Mortgage loan # XXXX and also with XXXX XXXX XXXX # XXXX on my Owner Occupied Property : XXXX XXXX XXXX , XXXX XXXX, NY XXXX, my S.S. # is XXXX D.O.B. XX/XX/XXXX. Wells Fargo Home Mortgage and XXXX XXXX are committing the following Fraudulent and Federal Law violations:1. LACK OF STANDING TO FORECLOSE ; ATTEMPTED ON OR ABOUT XX/XX/XXXX2. FRAUD IN THE CONCEALMENT ; 3. FRAUD IN THE INDUCEMENT ; 4. INTENTIONAL INFLICTION OF EMOTIONAL DISTRESS ; 5. QUIET TITLE ; 6. SLANDER OF TITLE ; 7. DECLARATORY RELIEF ; 8. VIOLATIONS OF TILA ; 9. VIOLATIONS OF RESPA ; 10. VIOLATIONS OF HOEPA ; 11. RESCISSION. 
12. MAIL FRAUD IN BILLING AND CONTINUALLY BILLING TO THIS CURRENT DAY.
Product: Vehicle loan or lease

Paid off the loan ( Purchase of New Vehicle ) back in XXXX, XXXX. 

Waited for the tile but not received yet. 

Called the Customer Service to find out the issue of not releasing the title. 

They claimed they sent the mail but not received. 

One of the customers service rep. provided the paperwork to obtain the replacement title at DMV. 

Upon receipt, visited DMV but could not obtain the replacement title due to additional documents needed from Honda. 

Called the customer service again, and the person was able to look up for the detail. 

Apparently, title indicates XXXX XXXX instead of Honda Finance ( purchase ) and they had to open up the case to resolve this matter internally and report to California DMV. 

Asked to escalate this matter within, even asked for supervisor ( or higher ups ) to speak with but no luck as they seemed not care and told to just wait. 

It has been 3 months since, no response from Honda nor any progression feedback from Honda. 

It is very frustrating for not having the tile for six months that paid off fully new purchased vehicle, and not receiving official letters of its progression at all. 

Without the title, can not sell this vehicle or transfer names.
Product: Debt collection

XXXX XXXX XXXX has called me in attempt to collect a debt for Rise Credit. Rise has not contacted me at all regarding debt. I just started receiving phone calls from XXXX XXXX XXXX on XX/XX/18 stating that I owe ~ {$2900.00}. I have received several phone calls since then. XXXX XXXX XXXX are illegally trying to collect funds from me because they are not licensed in Missouri to collect.
Product: Credit card or prepaid card

The following fraudulent, in-person charges were made to my account by someone who somehow got a hold of my credit card number. The charges were made in XXXX, GA, a city that neither myself nor the other authorized user on my account have ever even visited. 

XX/XX/21 XXXX XXXX XXXX {$100.00} XX/XX/XXXX XXXX  XXXX {$38.00} XX/XX/21 XXXX XXXXXXXX {$11.00} XX/XX/XXXX XXXX XXXXXXXX {$28.00} XX/XX/21 XXXXXXXX XXXX XXXXXXXX {$6.00} XX/XX/21 XXXX XXXX {$72.00} XX/XX/21 XXXXXXXX XXXX  XXXX {$8.00} XX/XX/21 XXXX XXXX XXXX XXXXXXXX {$55.00} XX/XX/XXXX XXXX XXXX XXXX {$39.00} XX/XX/21 XXXX XXXX XXXX XXXX {$100.00} XX/XX/21 XXXX XXXX XXXX XXXX {$22.00} XX/XX/2XXXX XXXX XXXX XXXX XXXX {$91.00} XX/XX/21 XXXX XXXX XXXX {$34.00} XX/XX/21 XXXX XXXX XXXX {$24.00} XX/XX/21 XXXX XXXX XXXX {$57.00} XX/XX/XXXX XXXX XXXX {$62.00} XX/XX/21 XXXX XXXX XXXX XXXX {$72.00} I called Chase and disputed the charges. On XX/XX/21 Chase sent a letter stating that they were denying my fraud claim because I allegedly " received a benefit from '' the above charges. I again called Chase to complain and they re-opened the dispute. On XX/XX/21 Chase sent a follow-up letter again denying my fraud claim. I again called Chase on XX/XX/21 and they agreed to re-open their investigation. However, based on how things have been going thus far I am not optimistic that they will admit that these charges were in fact fraudulent.
Product: Credit reporting or other personal consumer reports

I have disputed with TRANSUNION this unauthorized inquiry on my account reported by XXXX XXXX XXXX ON XX/XX/year>. I have opted out of reporting and that they are violating my rights to privacy as a consumer per 15 USC 1681 ( b ) -permissible purposes of consumer reports so I am taking this complaint to the CFPB for remedy to enforce the law. I am also attaching my documentation to this claim. They usually use stall tactics to say they need more time to investigate, and they are reporting false and misleading information. Per the Federal Credit Reporting Act, Section 609 ( a ) ( 1 ) ( a ), they are required by federal law to verify through physical verification of the original signed consumer contract which they have failed to do so. I am seeking the removal of this inaccurate non active account showing up as an inquiry reporting and breach of my consumer privacy.
Product: Student loan

NYS department of higher education has discharged my student loan, once i attempted to return to college at XXXX XXXX  I was reported to nslds for obtaining a student loan with the intention of discharging another loan, that is not true. 

XXXX sent word to XXXX university that I am not eligible to receive federal student loans and that improper information blocked my ability to obtain my bachelors degree and hindering my quality of life. According to federal student aid the loan was discharged and I am not in fault and am eligible for othe loan. I demand that XXXX remove the hold off my record and allow XXXX XXXX  to disburse my student loans, asap.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, On XX/XX/XXXX I sent a certified letter to Experian to remove the following inaccurate information however I have not heard back from them and the info still remains. 

XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX  XXXX, MI XXXX
Product: Debt collection

Received debt collection notice from MCarty, Burgess & Wolff for a debt that is not owed. I confirmed with XXXX that my account was paid off and was never owed a debt. This is a fake collection notice.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$14000.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX XXXX XXXX  XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$14000.00} -This is not my account. 

2. XXXX XXXX XXXX  XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Product: Credit reporting

Here are documents from XXXX XXXX XXXX to go with case # XXXX. They have reported XXXX different things to all XXXX credit agencies and different on my wife 's as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

It was revealed in my credit report that inquiries are made that I did not authorize, as well as some accounts I wasn't aware of. I would like these accounts immediately remove from my Equifax, XXXX, XXXX credit reports : In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : -XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX NEGATIVE ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX 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 an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed the following information below contained in the attached files with XXXX, EQUIFAX, AND XXXX and up until this day, these accounts are still reporting inaccurately on my credit file. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I tried multiple times to resolve this problem with them because I do not wish to pursue legal actions against them but they have been neglecting the duties mandated by the FCRA. This has caused me so much emotional and mental stress because they are degrading my credit rating by reporting erroneous information and preventing me to obtain the necessary credits amidst the pandemic. EQUIFAX, XXXX AND XXXX has violated so many laws, the investigation results and status were not communicated to me. I explicitly requested verified documentation for the supposed information reporting on my credit file, but I have yet to get anything. Despite being disputed, there is still a lot of inaccurate information on my credit report. I was not notified about the investigation as well as the results so I'm not even sure whether or not they did the investigation. If they did, the errors on my credit report were not fixed despite their " investigation ''.
Product: Student loan

XXXX L : oan consolidation was completed in XXXX or XXXX of XXXX and the total dollar figure was {$70.00}, XXXX ( XXXX Loan App ) or {$71.00}, XXXX ( Dept of ED XXXX Case XXXX email letter dated XX/XX/XXXX {$55000.00} - XXXX XXXX $ XXXX XXXX XXXX XXXX XXXX Total Consolidated What should have been consolidated? 
{$71000.00} XXXX Consolidated figure ( {$14000.00} ) - XXXX XXXX previous paid ( {$20000.00} ) XXXXXXXX XXXX  Alternative private loans discharged in bankruptcy {$36000.00} SEE EXHIBIT 3 DISCHARGED LOANS SEE EXHIBIT 4- DOCUMENTS ABOUT XXXX CONSOLIDATION AND AMOUNT OWED. 

SEE EXHIBIT 5 -PREVIOUS LOAN PAYMENTS