23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

XX/XX/21 - {$2800.00} auto drafted from account ( {$1100.00} over set mortgage payment ) XX/XX/21 - Called customer service, was not given an explanation, told that they would " look in to it '' XX/XX/21 - return call from customer service to let me know that case was opened and refund was processing. 
XX/XX/21, no refund pending, called customer service. Issue was blamed on a state of SC tax error and escrow account, no solution or ETA of refund offered. 
XX/XX/21 - called customer service again, no progress on refund. Was told it had not been processed. Asked to place limit on auto-draft at set mortgage payment, was told this was not possible. Asked for email documentation of my requests, was told this could not be provided. 
XXXX- called customer service again, refund has not been processed. Asked to remove escrow from auto-draft to track taxes on my own. Was told this would be a {$700.00} fee to amend the account.
Product: Credit reporting or other personal consumer reports

I am writing to you again regarding a persistent error on my credit report, in which late payments are inaccurately listed. I have previously filed a dispute concerning this matter, but the response I received was neither satisfactory nor conclusive. Furthermore, I have not been provided with any evidence that these late payments actually belong to me. 
The item in question is a late payment reported by XXXX XXXX XXXXXXXX for the account number **** The late payments are reported as being dated XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I would like to remind you that under the Fair Credit Reporting Act ( FCRA, 15 U.S. Code 1681i ), Transunion are required to thoroughly investigate disputes and correct any inaccurate information. Additionally, under the Truth in Lending Act ( TILA, 15 U.S. Code 1637 ( b ) ), creditors must ensure that information about the terms of credit, including payments, is accurate and correctly reflected. 
Moreover, under 15 U.S. Code 1681s-2, furnishers of information are obligated to ensure that the data they report to credit agencies is accurate. The incorrect late payments should be removed from my credit report, as I have no evidence indicating that these payments actually correspond to my account. 
Therefore, in accordance with the laws mentioned, I demand the following : A new and thorough investigation of the late payments on my credit report, followed by correction of any inaccuracies. 
The immediate removal of any late payment entries that are incorrect or unjustified. 
The provision of verifiable evidence proving that these late payments belong to me, should they not be removed from my report.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX, I am writing on my own as natural person and consumer who is a victim of identity theft. I am requesting the immediate removal of the following items from my consumer credit report in accordance with 15 U.S. Code 1681c-2. This statute requires that any information identified by the consumer as resulting from identity theft must be blocked from the consumer 's credit report within 4 business days of receipt of my request. It has been over 30 days since my initial request, and you are in violation of this law. This dispute is not being made in error, nor is it based on any misrepresentation of fact on my part. The information I am disputing is fraudulent, and the entities that reported these items DO NOT have lawful authority to do so. According to the law, these companies are required to have tax documents or other forms of written consent to charge off or report these items under my name. I did not provide such consent, and as such, these items are in violation of my privacy Under 15 U.S. Code 1681b, consumer reporting agencies may only furnish a consumer report in accordance with the written instructions of the consumer. I NEVER provided any written consent for any consumer reporting agency to report the information listed below on my behalf, and their failure to adhere to this law constitutes a clear violation of my rights as a federally protected consumer. Please delete the following items from my credit report immediately XXXX XXXX Date opened XX/XX/year> Balance {$10000.00} Status Voluntarily surrendered. {$10000.00} past due as of XX/XX/year>. 
These accounts should not appear on my consumer report, as they are the result of identity theft. Please ensure these fraudulent accounts are removed as required under the law. The companies reporting these items have failed to provide proof of my consent or authorization, which makes their actions unlawful. I respectfully demand that you take the necessary steps to delete these accounts from my credit report and send me written confirmation that these items have been removed. This request is made under the rights provided to me by the Fair Credit Reporting Act and related laws. Thank you for your immediate attention to this matter. I look forward to your timely response.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now XXXX XXXX  n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX is reporting XXXX open accounts as closed to equifax credit bureau while reporting the same accounts as open to XXXX and XXXX . I contacted the creditor regarding this matter but was not properly assisted. This erroneous reporting has greatly impacted my credit score and prevented me from retaining new lines of credit from other creditors.
Product: Credit reporting or other personal consumer reports

Recently, I reviewed my XXXX consumer credit report and noticed it was several inaccurate and incomplete accounts. According to the FCRA it's illegal to report inaccurate and incomplete items. By law you are obligated to investigate these inaccurate accounts. 15 U.S. C 1681c ( a ) ( 5 ) section states no consumer reporting agency may make any consumer report containing any of the following items of information of inaccurate or incomplete. 15 U.S.C. 1681s-2 ( A ) ( 1 ) 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. Experian and XXXX has this account open XXXX has this account closed. Please remove this account immediately! Thanks! XXXX XXXX AUTO - ( account number ) - XXXX
Product: Checking or savings account

Hi, Back in XX/XX/2020 I opened a Checking account online and made a deposit of {$50000.00} my intention was to wire transfer to myself that money. I was doing it through Chase bank because my current bank ( XXXX XXXX  ) doesnt have international wire transfers. After the funds were successfully transferred I made a wire transfer of {$25000.00}. The transfer was cancelled and my online account was blocked so I called to validate my info and unblock my account. After the account was accessible again I called again to ask if was all ok so could make the wire transfer, the agent told me I could do it so I did but the transfer was cancelled again and my online access blocked again. I called again but this time I had problems and the agent told me I had to go to a branch and I had to explain I'm living in XXXX and because of COVID-19 I couldnt travel from XXXX to US. I opened a previous complaint and the company responded saying I had to call and authenticate my self so the funds could be released to me. I called customer service and they asked me my phone number so they could send a text to verify, I gave my registered number but they said it was not correct. I told them that was my number and I had an email with the confirmation of that number being activated. So even though I gave my SSN, full name, address and date of birth they said they couldnt validate was me. I called a couple of more times and they didnt care about the travel restrictions going from XXXX to USA telling me the only option is to visit a branch. A year has passed and travel restrictions are still in place for non essential travel and the bank is refusing to give my money back. I have lost almost a full year of interest or any other gain I could get because the money is in suspense and since the account is closed I have not the certainty my money is safe. There has to be a way the bank can help me here in XXXX so I this issue can be solved
Product: Debt collection

I keep getting calls from XXXX XXXX XXXX. They use different phone numbers every time but I have kept track. I have requested to be removed from their list every time and yet they continue to call. They are trying to contact my father, but I am not responsibly for anything related to him have no knowledge of debts he owes so they need to leave me out of it. They have called me a total of five times after I initially requested to be removed and this last time they said that previously my name was not added to the Do Not Call list. This is illegal. I have nothing to do with the debt owed and have requested to be removed. This needs to be handled. 

I received calls : XX/XX/XXXX- XXXX XXXX XXXX XXXX XX/XX/XXXX- XXXX XXXX XXXX XXXX XX/XX/XXXX- XXXX XXXX XXXX XXXX XX/XX/XXXX- XXXX XXXX XXXX XXXX XX/XX/XXXX- XXXX XXXX XXXX XXXX STOP WITH THIS ILLEGAL PRACTICE.
Product: Mortgage

XX/XX/XXXX Dear Consumer Finance Protection Bureau : I need help with a lien on my home which should not be on there. 

In XX/XX/XXXX, I had financed a 2nd mortgage from XXXX XXXX  XXXX for {$10000.00}. Then, XX/XX/XXXX XXXX XXXX  release my lien before transferring my loan to XXXXXXXX XXXX XXXX. Then, XXXX XXXX XXXX XXXX transferred my loan to XXXX XXXX XXXX. But did not release the lein before switching to XXXXXXXX XXXX XXXX. Which I had paid off in XXXX. In XXXX, I moved to XXXX  for personnel reasons. Before I moved I made sure to satify all my loan obligations. I lived in XXXX  for eight years. I was still making my mortgage payment. I had my brother staying in my home while I was gone. I was working XXXX XXXX XXXX XXXX contracting for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. Then, President Obama changed the tax laws, really hurt our company with high taxes for small business. We had to go out of business. 

I had to moved back home to XXXX, XXXX. I had no luck finding a job in XXXX. I almost lost my home. I researched my options. I heard about XXXX County Action Plan. They seen I had a lein on my home by XXXXXXXX XXXX XXXX. 

XXXX County Action Plan, also known as XXXX XXXX Housing Finance Agency, XXXX County Legal Aid and I investigated my sitaution. We found out that XXXX XXXX XXXX was taken over by BM Harris Bank. XXXX XXXX XXXX does not exist anymore. 
I contacted BM Harris Bank and spoke with XXXX XXXX the person in charge of that department. Mr. XXXX look into the matter for us. He did not see any outstanding balance or anything against my named. XXXX spoke with Mr. XXXX and was satify with his investigation. XXXX put me in the program. XXXX  Housing Finance Agency helped me by paying my mortgage payments for 18 months. This program was XXXX Blessed. XXXX  would not have helped me, if they thought this was not cleared. I thought this matter with the lein was taken care of and the lein was lifted. 

In XX/XX/XXXX, I look in to refinance my home to get a lower interest rate with XXXX XXXX XXXX XXXX. Everything was good until the issue of this lein came up again. XXXX XXXX XXXX XXXX put their legal team on this matter. But the same thing is happening again. XXXX XXXX XXXX closed on the lein, XXXX XXXX closed to the lein. But XXXX XXXX XXXX did not sign off on the lein. Which XXXX XXXX took over the mortgage from XXXX XXXX XXXX. So, XXXX XXXX XXXX should have signed off on the lein before XXXX XXXX took over. 
I tried to contact XXXX XXXX again, but he was promoted to a different position and location. No one at BM Harris has no idea how to solve this issue. So, I was referred to consumerfinance.gov by XXXX. They think you all can help me to clear this lein. You are my only hope to lift the lein and last option. 
Please help me with this, I gratefully appreciate anything your organization can do to clear this lein off my property. 

I also included the letter from the XXXX XXXX XXXX XXXX XXXX in XXXX, XXXX. Which details the investigation the firm did. 

Sincerely, Hopeful
Product: Debt collection

The loan is currently being paid, however I have been notified by XXXX XXXX XXXX XXXX. on XX/XX/XXXX that I owe {$160.00} from an unpaid balance from XXXX College XXXX XXXX. I left this school about 10 years ago and advised the school I was dropping out. They never said anything about an unpaid amount. They never once tried to contact me about any debt I owed in all of these years. The school closed a couple of years ago. Then I received a letter claiming I owe this random company money from XXXX. I called them on XX/XX/XXXX and was rudely given a number for XXXX which is their sister company. I wanted to dispute this claim and both workers from XXXX were very rude. They told me to call XXXX which I did and I spoke to XXXX who was a little confused about the situation and stated XXXX bought old debts from different colleges and was forcing everyone to call XXXX. I informed him of the situation and he told me to continue to dispute them on it he also deferred the amount for now. I also emailed them of my dispute on this date and did not receive a reply. On XX/XX/XXXX I received a letter dated XX/XX/XXXX with writing saying I had 30 days to pay my amount and they dropped 25 % down to XXXX and they would not renew the offer. With the letter was records of everything owed and everything paid. When I checked the balance on the documents it said {$0.00} in two places! I also did all of the calculations multiple times and had an accountant look it over, which they stated the amount is also {$0.00}. I emailed the email address in the letter and it bounced back as undeliverable, so I tried another email. I am waiting on a response and will call again tomorrow on XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Experian has NOT complied with the fair credit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : CONSERVE ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX  ) XXXX
Product: Mortgage

I have previously submitted a complaint and would like an additional review and response. 
CFPB Complaint ID : XXXX As was stated in the response to the complaint ( attachment XXXX ), I did apply for the COVID forbearance, and it was completed on XX/XX/2021. As a result of the forbearance and unprecedented financial burden that my family underwent during XXXX, {$29000.00} was added to my balance at the end of the forbearance period. 

In the response letter ( attachment XXXX ) it states that this was due to past due interest and escrow. However, it was not clarified as to why the XXXX XXXX XXXX XXXX did not notify me at any time that this would be the case. During my forbearance period, I spoke to the XXXX XXXX Department numerous times, and they assured me that I would not be charged during my forbearance and that at the end of my forbearance period, the balance would be adjusted. I was informed that the length of my loan would increase, not that my balance would increase. Since all calls are recorded, can you please review each of my phone calls with your representatives during my forbearance period in order to ascertain that what I am stating is true? In addition, letters such as attachment XXXX, only reassured me that I would not incur any additional charges. Those letters should have clearly stated that I would incur interest and escrow charges at the end of my forbearance period. 

Also, in the response letter ( attachment XXXX ) it states, " since you accepted the modified loan terms to bring your account current ... '' I would like to clarify that I was required to accept the modified loan terms in order to bring my account current. That was the only option provided to me. I did not want to accept it, but I also received a letter ( attachment XXXX ) that my modification agreement will prevent " the referral of your loan to foreclosure. '' I felt compelled to agree with the loan terms that I did not agree with, in order to avoid further delinquency and possible foreclosure. 

As a result of the misinformation and lack of information provided to me by Flagstar and the XXXX XXXX XXXX XXXX, I incurred a balance that is almost {$30000.00} higher than my original loan.
Product: Credit reporting or other personal consumer reports

I am being sued in XXXX XXXX Ohio XXXX XXXX for Case Number XXXX by Synchrony Bank. They have admitted I did not open this account and it is Fraud and they are still suing me and have sold my debt to others to collect on it and file lawsuits. XXXX has not removed this fraudulent case from my credit even though they know my identity was stolen because of their data breach. I want every collections and closed negative account removed as this is further proof even on their own admission that my identity was stolen and I am suffering because they screwed up. I demand you order them to remove all of these accounts I have listed in the past and compensate me for my time and trouble.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. You must remove/block any items that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX, FL XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXXXXXX Balance : {$14000.00}, XXXX XXXXXXXX Balance : {$12000.00}, XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$21000.00}, XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$14000.00}, XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Im in the process of trying to refinance my home. My credit report says the property is in foreclosure. I contacted Shellpoint mortgage servicing, spoke to XXXX, and she can not explain why. I have attained a mortgage verification letter from shell pointe, stating that Im in good standing, not delinquent and have not been late in the last 12 months.
Product: Consumer Loan

A loan was opened to purchase an  XXXX  on installments thru  XXXX .  XXXX  finances the phones via  Citizens One.     Order  #  XXXX  was placed on  XX/XX/XXXX  with  XXXX .   Due to issues activating the phone on  XXXX   XXXX  I cancelled the order and  XXXX  issued a full refund on  XX/XX/XXXX  . Citizens One op ened an installment loan for the purchase amount.  Loan #    XXXX  and began billing my credit card for monthly installments. I was bill ed 3  consecutive months for a phone that was already fully refunded back in   XXXX  . I was able to have payments stopped the end of   XXXX   and hav e Citizens One iss ue a refund for payments made. At this time I was ensured that the account was closed. On   XXXX   XXXX   I received a final notice from  Citizens One tha t the above mentioned loan is delinquent and will be closed for non payment. And my file would be reported to the credit bureaus and collection was to be made. I called  Citizens One  on  XX/XX/XXXX . Spoke with rep who told me I would receive confirmation within  48 hours.  Nothing happened. On   XXXX   I called and spoke with  Floor Supervisor   XXXX  who insured me she personally will resolve the issue with their escalations department withi n 24 hours.  She gave me a claim #  XXXX  as reference. After 5 days again nothing happened. I called again on   XXXX   and spoke with  XXXX  who again said escalation is working on it and I would hear back i n 3-5 busine ss days. Again the  Time has  elapsed and nothing. I would like this resolved as I do not owe  Citizens One any   money and do not wish my credit to be negatively affected by this situation.
Product: Payday loan, title loan, personal loan, or advance loan

We received a loan amount through Mosaic XXXX for the installation of our XXXXXXXX XXXX. The original conractor XXXX went out of business and Mosaic contracted XXXX XXXX to complete our project. We ended up selling our home before our solar system was completed and operational and Mosaic XXXX received the loan payment in full when the house sold. I received a call from them last week XXXX advising me that they are discontinuing work for the copletion of the XXXX XXXX on the house eventhough they have been paid in full for work not completed. This is an unethical practice and I lost over {$20000.00} as a result of their dishonesty. Please help! {$20000.00} is a lot of money to be lost for a projec that was never completed. Thank you. XXXX XXXX
Product: Credit reporting or other personal consumer reports

AS A CONSUMER I AM SUBMITTING THIS REPORT TODAY, THE CREDIT REPORTING AGENCIES XXXX, EQUIFAX, XXXX, XXXX, XXXX, XXXX, XXXX AND XXXX HAVE VIOLATED 18 USC 1028A, WHICH PROHIBITS AGGRAVATED IDENTITY THEFT. THIS VIOLATION OCCURED WHEN THESE ENTITIES FURNISHED INFORMATION WITHOUT MY CONSENT. Please remove this information ASAP