23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I am trying to head off a disaster of not being able to pay my mortgages on two properties. 

Summary : I am XXXX years old and XXXX. These investment homes are my retirement. Lender Mistakenly Paid My Property Taxes For Two Properties I Own When I Pay Them Directly to County - now Lender is demanding I repay them via Escrow which means I'd double pay the property taxes. I can not afford the monthly escrow demand and I will default on the loans. 

I own two rental properties in the City of XXXX, XXXX XXXX S.C., XXXX I pay the property taxes directly to XXXX XXXX annually. I was late paying the XXXX taxes and arranged a monthly payment plan with XXXX XXXX which I have been paying in good standing. 

Mr. Cooper was the Lender Servicing Company - they transferred the loans to RightPath Servicing, a Division of Mr. Cooper in XX/XX/XXXX. 

At the time they transferred the loans to Rightpath, they mistakenly paid my property taxes to XXXX XXXX without contacting them or me - therefore they didn't know I am paying the property taxes on a monthly plan. 

Rightpath is now demanding I pay the annual property taxes via escrow which would mean I'm paying the property taxes twice! 

I never had escrow accounts with these two loans - I always have paid the property taxes and insurance directly. they want to charge me in escrow. 

The way they're structuring the property taxes in the escrow is so exorbitant that there is no way I will be able to pay the monthly payments. My {$810.00} payment is going up to {$2900.00} ( {$2100.00} in monthly escrowed property tax ). The other mortgage is {$620.00} and it's now going up to {$2200.00} ( {$1600.00} is monthly escrowed property tax ). 

I used to pay {$1400.00} per month for both mortgages. 
Now they want {$5100.00}! -- based on their mistake. 

Meanwhile I'm paying XXXX XXXX {$1400.00} per month for both properties, which Righpath has not taken into account. 

I ABSOLUTELY CAN NOT AFFORD TO PAY THESE MONTHLY PAYMENTS WHICH ARE DERIVED FROM THEIR MISTAKE. I WILL DEFAULT ON THE LOANS AND LOSE THE PROPERTIES. 

They use a third party company XXXX to deal with " customer service '' issues regarding escrow and even though I've called multiple times and complied with their requests such as sending them a copy of my payment plan contract with XXXX XXXX and explaining the situation in letters THEY DO NOT RESPOND TO ME, let alone resolve the situation and delete the property tax demand from the escrow accounts. 

Also I was promised the escrowed taxes would not begin until XX/XX/XXXX which they told me would give them time to resolve things but now I see they are demanding the payments in XXXX. 

I will lose my investment homes if this is not resolved. I'm XXXX years old and XXXX. This is my retirement. Please help XXXX XXXX
Product: Credit card

My credit card was stolen from my friend 's car. The bank called to notify me that there was suspicious activity on my card, I told them it wasn't me as I was out of town and in a completely different state. When they first called, I made mention that I usually leave that card at home but didn't know where it was as I did not have it on me. They have refunded and unfunded my card multiple times. They have done extensive research showing I have never used that card in that town or with that store. I have sent them 2 police reports, mine and my friends. My flight information. My CC information showing charges that I was in another state. Now they are saying that if my friend 's wallet was stolen, which had my card in it, then she would have needed to get a new ID and I need to show them that as proof the theft took place. Her Id was never stolen, she had it on her. They found it suspicious I had used my card at a grocery store with the same name, ONCE, over XXXX miles away at a completely different time. They have opened, closed, reopened the claim over and over again. At this point it feels like harassment. My friend 's card was also stolen, she uses the same bank and hasn't had to do anything. I've been dealing with this for 2 months. 
It's nearly impossible to get the information to the fraud department, even the local branch I have brought all the paperwork too can't get ahold of them easily. I've requested management call me to no avail. Their management is doing everything it can, including making up scenarios, to try and make it look like I'm lying.
Product: Credit reporting or other personal consumer reports

I'm trying again to let you know that I'm a victim of identity theft and that I want to challenge some records in my file that were not lawfully obtained. The records I'm looking at have nothing to do with any ownership of any products, services, or money being acquired by me or my authority. If no one was interested in learning the truth, remove from my credit report any information that appears to have resulted from an alleged extortion or scam. 
XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$530.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

Examine the enclosed documents ; I urge the bureau to initiate an investigation into these accounts, as I have never been tardy, yet they are erroneously reporting me as such.
Product: Credit reporting

After my credit information was compromised by the state of South Carolina we were offered free credit protection for one year. We opted for the protection so that no credit could be issued to me unless I was physically present. A few months later ( today, XXXX XXXX ) I visited my local verizon store to get a cell phone plan. XXXX needed to verify my credit in order to determine if a deposit was necessary. XXXX used equifax to verify my credit. 

At the XXXX store I called Equifax and requested that they allow a credit inquiry. I verified all of my personal information and they agreed to lift the freeze on my account and provided me a confirmation number for the action : 1. After the first call at XXXX the freeze was not lifted from my credit and my XXXX application would not go through. 
2. After the second call tHe equifax rep said that they would now lift the freeze. 
3. After the third call the equifax rep said their system was down and to call back in 30 minutes. We waited and called back. 
4. after the fourth call the equifax representative said that their system was rebooting and requested that we call back in one hour. We waited the time and then called back. 
5. After the fifth call they said the same thing. So we waited an hour and called back. 
6. After the sixth call they said that their systems were up and the credit freeze was lifted. It was not. 
7. After the seventh call ( now XXXX XXXX ) we were transferred to XXXX who works for equifax in XXXX in the XXXX. XXXX simply said that the credit was unfrozen and that XXXX could call some other number. XXXX called and also got no where with equifax. 

Equifax literally held my credit hostage. They cost me and my daughter an entire day 's work. My daughter 's time is worth $ XXXX and while I am retired my time should have a reasonably equivalent value.
Product: Credit reporting

I am currently almost done with my chapter XXXX bankruptcy. All my accounts are reporting closed with XXXX and XXXX. But on my equifax report it is still reporting an account as open even though it shows as closed through the other credit reporting agencies. The account in question that should be reporting closed is XXXX/XXXX ( account number XXXX ) for the amount of {$4500.00}. I will attach a current credit report for XXXX and Equifax showing proof of closed account. 
Also attached is my last credit report showing equifax reporting that account is not closed. And a screenshot from XXXX XXXX website showing account is still open. I am unable to file a claim through XXXX website because the question I answer each time to verify my identity keeps failing for some unknown reason.
Product: Checking or savings account

someone sent me money on cash app and now the money is missing and cash app won't give it back to me it was {$1000.00} I really need my money back it's been months now trying to get my money back.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX  # XXXX is being reported on my consumer reports this is a violation of my consumer rights usc 1681 & usc1666 I have never been provided any written notice of this issue before placing on my account nor have I been provided any original contracts showing ownership of account
Product: Debt collection

I paid {$3600.00} on XX/XX/XXXX via debit card with XXXX over the phone. I had been speaking with XXXX XXXX about making a full payment in this loan. They did not give me any confirmation number nor did they send an email confirming they had taken the payment. On XX/XX/XXXX, i received a debt due notice from XXXX XXXX for XXXX amount I had already paid. I am unable to reach them by phone, i sent XXXX emails with proof of payment to XXXX. They placed a negative mark on my credit reports. I am disputing this negative mark now with XXXX.
Product: Checking or savings account

Navy Federal Credit Union closed my account due to a suspicious account activity. When I called the security department, the security was very demeaning and assertive towards my claim. To their accusations, the funds transfered where made at my phone using biometric scans. Now this is where it gets crazy, the dispute was made before i set up the " biometric scan ''. When asked for documentation and paperwork, the security could not provide the following.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE SEVERAL ACCOUNTS IN MY NAME THAT I DID NOT OPEN I CALLED XXXX, XXXX  and Experian s. On XX/XX/XXXX, I mailed XXXX, XXXX  and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Product: Debt collection

I have tried several different attempt to send Midland Funding LLC letters to proof the debt with no success but today I got aeeter from a lawyer stating that they are suing me with a case number! This is the same debt another company has been trying to collect that was collect by garnishment of my checking account in 2006 which at that time was a false collection from a XXXX XXXX card that I had paid in full years before. I know this debt is to old to collect first of all it 's not on my credit report second it 's in May maiden name and I have been married over 14 years. I am hoping you guys can get me the info I need to fight this. I find this ridiculous and i know they think I 'm gon na lay down and take it and I am not!!!! This company Midland Funding is known for its fraudulent activity and was just recently caught for illegal tactics in Georgia. I have literally been fighting them for 5 years and like I said before they have NEVER once sent me the info I requested to verify the debt
Product: Credit reporting or other personal consumer reports

I have repeatedly reported inaccuracies in my personal information and accounts to Equifax credit company and they refuse to correct these innacuracies on my file.
Product: Credit reporting

I am trying to get a copy of my credit report so I can see what is on it every time I put my social security number in I am told that 's not the right number or that I have put the wrong birthday and year please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 2ND endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX Balance : {$3300.00} ; XXXX XXXX XXXX Balance : {$3700.00} ; XXXX XXXX XXXX Balance : {$11000.00} ; XXXX XXXX XXXX Balance : {$520.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$14000.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$1600.00} ; XXXX XXXX XXXX : {$2500.00} ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Re : Collection Accounts : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX To Whom It May Concern : I noticed that you are reporting inaccurate information on my credit report and that you keep verifying this account when its clearly inaccurate. I would like to address this issue of this inaccurate account on my credit report. I followed your advice about contacting the collector. I sent them a letter and asked them to investigate. As of today they still have not responded to me. I thought they had 30 days to investigate and fix the inaccurate account listed. I dont know who to believe here. I know that the law protects my rights. Since the collector did not conduct their investigation, this account can no longer stay on my credit report. Please delete it right away. Im running out of patience and Im thinking about seeking legal advice on this matter and filing complaints if its not fixed. This letter serves as a DEMAND to remove these credit collections because you and the creditor were unable to validate this account with physical proof. If not, you will be hearing from my attorney that is ready to move forward with legal actions. 

Also, you have these hard inquiries on my credit report that do not belong to me as well that need to be removed : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Department of Education XXXX XXXX
Product: Checking or savings account

I am writing to file a complaint against Navy Federal credit union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized. I was charge fees due to lagged posting of charges and credits. This issue alignswith the recent CFPB findings against Navy Federal for similar practices where transactions settled with insufficient funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Credit reporting or other personal consumer reports

I am stressed and displeased that I see so many fraudulent accounts on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. I have tried several times to get these accounts removed. Let alone, my information was in a Experian XXXX and XXXX breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected.This is a defamation to my character and this is a federal law violation. 
According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. This is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now. Also it is illegal these companies should NOT be furnisher peoples information to 3rd party companies so this is illegal, neglect and fraud. I have already reported this to the local police department and Federal Trade Commission. These companies and the credit bureaus can be can get sued for these damages. This is negatively effecting my livelihood and putting me in a bad space. I feel your database is inaccurate and I am filing ligation against this if these items arent removed immediately and update the 4 late payments on my XXXX XXXX  to never late paid as agreed. in accordance with the FDCPA.
Product: Credit card or prepaid card

Hi, I filed a complaint last year because my account was closed, by time the check arrive it had already expired. The check was for balance that was in my account when it was closed. I dont know if it was mail delays or the bank itself, I would just like a new check. I have tried for months to get one. Ive been told I would have a form sent 3 separate times, this apparent form was to fill out the information to have a new check issued to me. Each time I have waited months in-between and now feel like I'm purposely getting bad information. It has never arrived. Its been to long and I just want my money. They have kept it collecting interest while not trying to fix my problem. 

I am at the same address nothing has changed with my information from before.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am having issues with Equifax. They are not reinvestigating information that needs to be deleted due to age. Their online system does not allow me to dispute, their telephone system does not allow me to dispute and they never respond to mail disputes. This is ridiculous. I have been trying since XX/XX/XXXX to get 2 items removed that are past the 7 year reporting period. Equifax needs to be put out of business because they obviously can not accurately report items. 

I need the following 2 accounts deleted due to being reported past the statutory reporting period. 

XXXX XXXX XXXX # XXXX this is over 7 years old. The Date of First Delinquency is listed as XX/XX/XXXX but it really was XX/XX/XXXX. This should be DELETED due to age. 

XXXX XXXX XXXX XXXX # XXXX this is over 7 years old. The Date of First Delinquency is listed as 01/2011 but it really was XX/XX/XXXX. This should be DELETED due to age. 

My most recent confirmation # is XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I contact the  CBR  on   XXXX     to report that my personal information was being used to obtain credit.. as of today the results of my request still has not been honored. I asked them to block and remove the fraudulent information and they have not done either as required
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX has violated my rights. The XXXX credit cards was opened XXXX XXXX receiver of account was XXXX XXXX XXXX collections agency on XXXX XXXX was the date they received my credit card account. A settlement arrangement of XXXX was made with XXXX XXXX XXXX to settle my account for the payment I made on XXXX XXXX in the amount of XXXX and they did not hold up there end of agreement to get the account deleted. 


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 that a consumer reporting agency can not furnish an account without my written instructions. 

On Tuesday XX/XX/ I called in and I asked the company to do a thorough verification and investigation on my credit report because the payment I made was to settle the account and they stated that they completed verification and that everything deemed to be accurate and had been reported to all 3 credit bureaus. Even after speaking with them I did a thorough research for myself and I found improper inaccuracies on the credit report even after they did the thorough research and investigation on this account it's still listed on my credit report after being resolved. I reached out to the company and they tried to make me do a payment arrangement and I stated that I was not going to pay for a account that is supposed to be settled.
Product: Credit card or prepaid card

Apple keeps sending me constant emails for their Apple Credit Card and does not give an option to unsubscribe from just their Credit Card offers. I'm tired of receiving these emails especially since they are sent almost twice a week. I have no interest in signing up for their Credit Card but would still like to receive other Apple emails.
Product: Credit reporting or other personal consumer reports

I've expressed my complaints regarding identity theft on multiple occasions. Within four business days, you must remove or block any items that were opened without my knowledge, consent, or authority if you can provide the following : ( 1 ) suitable identification proof ; ( 2 ) a copy of an identity theft report ; ( 3 ) the consumer 's identification of the relevant information; and ( 4 ) a declaration from the customer stating that the information is unrelated to any transactions. 
XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX FL XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX  XXXX, XXXX ; XXXX XXXX Balance Owed : {$4600.00} ; XXXX XXXX  XXXX Balance Owed : {$0.00} ; XXXX XXXX  Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX XXXX