23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

This is information that should be included with Case # XXXX submitted this evening also. Texas Regulations allow a XXXX % Homestead Exemption for XXXX of the XXXX taxing entities for property taxes using different tax rates for each entity. 
The UN-altered tax certificates provide the calculations for each entity. Later tax certificates provided to our attorney prior to a Civil Action, the calculations were removed. Prior to the calculations and shown on the tax certificates, an incorrect calculation was made.XXXX % of {$330000.00} is {$260000.00} and NOT {$200000.00} as shown on the tax certificates. 
The XXXX XXXX, XXXX letter from PNC attorney after receiving the QWR stated the error was made by using XXXX % of {$25000.00} which was a construction title policy which is {$200000.00}. That letter was also provided to HUD. 
One must make the calculations using both base amounts, as we have and the result is the construction title policy, which PNC and their attorney failed to include, will not produce the amounts shown on the un-altered tax certificates.This had been verified by the XXXX County Tax Office, XXXX XXXX XXXX as all calculations provided by me should be verified by the proper office. 
The individual amounts on the tax certificates ( XXXX ) were used for the Initial Escrow Analysis and Disclosure. The amounts were also used to project the estimate for future taxes.Two of the incorrectly calculated amounts ( {$750.00} and {$690.00} ) were incorrectly placed on the Disclosure to be paid in XX/XX/XXXX rather than the correct amount for XX/XX/XXXX of {$320.00}. 
This made the Disclosure wrong and the HUD-1 Settlement wrong due to an amount from the Disclosure is used to calculate the aggregate adjustment credit for the XXXX. The other errors on the HUD-1 have been explained in the previous complaint. PNC refused to acknowledge the additional tax amount we were facing every month for the 30 year loan and thought it was nothing more than a one year error and made an offer of approximately {$900.00}. 
Using a PNC calculated amount ( {$4200.00} for the tax estimate, minus XXXX page of the tax certificate of {$3300.00} and used for an escrow analysis when the refund was made to the borrowers, {$4200.00} - {$3300.00} = {$950.00} This offer was not made in Good Faith Additional documented evidence is available if needed. All documents referenced in these complaints are available. All Settlement Documents are available. 
By providing incorrect information and altering documents and providing it to a Federal Regulatory Agency should be reason for an investigation for the good of all consumers serviced by this lender and due to their documented errors
Product: Debt collection

The property was returned to owner and even though this collection agency purchased the debt I never signed a contract with this company to owe them anything and according to the state they dont have a license to collect in the state in which I reside
Product: Credit card

I paid my bill every month on time!! And I get a late fee every month!! I call every time to get it taken off and get no where!! Ive paid late fees just to pay my account anyway!! The people I have spoken to never get anything accomplished with my complaint!! I closed the account due to this reason and they said they cant take off the final late fee because account is closed!! Its closed because this company is a scam!!!! No other credit card doesnt receive an online payment late but this scam Caesars rewards credit card!!! This is a scam company and I will continue to get a late fee even though my account was paid in full with a previous late fee!!! I cant say it enough but this company should be sued for scamming people who pay their bill!!! I just want this account XXXX balance!!!!!!!!!!! Its already closed and Im not paying for a late fee that I was not late paying
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, XXXX XXXX XXXXXXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these inquiries. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiries : XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX  XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 I completed information for pre-employment with the company XXXX XXXX XXXX in which they used Experian credit services to verify Identity. the system asked me four questions which were 1. current or past address - which I choose a past address which was also on a current copy of my credit report 2. current or past employment - which I choose my current employer which was also on my credit report that I had in front of me. 
3. the next question was which of the following persons currently or in the past lived with me - I choose none as none of the names applied to me especially since I have only lived with my wife and children for the past 17 years. 
4. The final question was current or past phone numbers in which all phone numbers begin with a XXXX which is a XXXX, Fl. USA area code I have never lived anywhere in Florida. 
The Identity verification failed because of information from experian I have called experian and they continually tried to sell me a credit report.
Product: Credit card or prepaid card

My name is XXXX XXXX XXXX with social security ending at XXXX and date of birth on XX/XX/XXXX. In XXXX, start an account with Amazon.com. As part of the purchase process, there is an offer with the Amazon Prime credit card through a third company / bank Chase Amazon Reward. The account was approved with the number XXXX. Since XXXX, make several purchases using a gift card and offer the Chase card. 

My son has an account for many years with Amazon.com. Since I opened the account in XXXX / XXXX all your memberships ( my son ) and payments have been related incorrect to my account. I do not have a subscription or bought anything at Market Place or membership. The only purchases was in XXXX. ( see evidence ) Today I call an Amazon representative and could only cancel the current charge and without explanation for the billing errors of the other months since XXXX / XXXX.
Product: Student loan

Over the last year I have made several calls into Sallie Mae regarding their website not reflecting the correct payment amounts. The application did not match the website and therefore caused a discrepancy in amounts owed and I was constantly falling behind due to same. I started calling in XXXX to inquired about payment modifications as I was no longer in deferment starting in XXXX, knowing I could not afford the amount I would be asked to pay come XXXX. I was instructed to wait until XXXX. I called in XXXX and accepted the program with the lowest payment I could get. At this time I inquired about what to do if I can not afford. The representative instructed me to miss a payment, call back and they will be able to offer me alternative options. So yet again I followed the instructions and was told in my next call there was nothing they could do and thats the lowest payment I could get and was instructed to borrow money from family. From XXXX to XXXX I called countless time regarding payment modification. Finally in the end of XXXX I was granted same which at that time I asked to speak to a supervisor because it shouldnt take 4 months of back and forth stressing about not being able to make payments. A supervisor told me loan modification is a last resort and they do not recommend unless absolutely necessary. To which I stated it was necessary and expressed my concerns over several calls and was instructed to borrow money from family to pay the loans. Needless to say they eventually started me in the loan modification for 4 out of 5 loans. In order to due so I needed to make my account current in XXXX. In XXXX I had balance due of {$190.00} when I shouldve only been responsible for my one loan not included in the loan modification as it is set up on autopay. So I paid and called on XX/XX/26 at which time I was told I over paid. Today my co-signer called me saying Sallie Mae called asking for payment. My co-signer is on the loans that are in the modification which were paid the full amount of {$300.00} and change on XXXX. Again it shows I have a balance due on 2 of my loans in modification which are on autopay and were paid in full. Every single month I am calling this company to fix payments. I have banking experience of 7+ years and I can not figure out this discrepancy as I bring it current over the phone every month. This is needs to stop and I need support resolving it has been extremely detrimental to my mental health and causing me severe XXXX and stress.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX of XXXX I paid my vehicle loan in full to XXXX XXXX, for some time this account has had multiple reporting errors. Upon dispute of these errors in XXXX of XXXX, the E-oscar system obviously provided validation, and transunion and or XXXX XXXX updated the account in addition in the results provided to me to state that the account status is 30 days past due. THIS is not correct, there is no balance on this paid account, and the current status of this account should obviously be reporting as PAID not 30 days past due. This is inadvertently dramatically affecting my reports and scores to appear as though I have a recent 30 day late payment. I have reached out to XXXX XXXX who claims that Transunion is the culprit in the matter, and to Transunion that claims that XXXX XXXX is the culprit.
Product: Debt collection

I received a medical bill for my ex-husband claiming I guaranteed the debt. I know I never guaranteed any of his medical charges so I requested a verification of debt. I received a simple bill from a hospital for my ex-husband XXXX XXXX and it shows me as guarantor but first, there is no signature, second, my name is XXXX XXXX not XXXX XXXX and third they have the wrong address for me. I called and explained that the verification of debt did not have any signature and I did not guarantee this debt and they told me to " take that up with the hospital. '' Also they violated FDCPA, they did not verify who they were talking to and gave me information on the bill without properly identifying me. Also my husband and I are divorced so technically this is third party disclosure sending me his medical bills. 

I do not owe this bill and if it is on my credit bureau it is harming my credit rating and my reputation. I am in the finance business and can not have fraudulent trade lines on my credit bureaus. 

The attorney reference number is XXXX
Product: Debt collection

XX/XX/XXXX Midwest Recovery Systems sent me a letter with my confidential medical information. Ive never signed any legal document giving Midwest Recovery Systems permission to obtain my personal confidential medical information. This is a clear HIPPA violation and the debt doesnt belong to me. I responded in writing XX/XX/XXXX and have yet to hear back from Midwest Recovery Systems. But what they did do was flag my credit report for a debt thats doesnt belong to me. 

XXXX XXXX XXXX continues to sell this alleged debt. This is the fourth time they have sold my confidential medical records in attempt to collect an alleged debt. Im ready to pursue legal action due to this reckless behavior they continue to display. They have no ethics and need to stop selling patients CONFIDENTIAL information for profit!
Product: Money transfer, virtual currency, or money service

On XX/XX/year> my daughters pay check was deposited into my account. She was only using my account at XXXX until she opened up her own account. Her pay check was {$2500.00} from XXXX XXXX she is a XXXX XXXX She asked me to transfer {$1500.00} to her account because at the time I was out of town and she was trying to pay some bills. I added her account to mine as an external account and then I transferred {$1500.00}. When I transferred I didnt realized I selected the wrong account for the funds to be sent to instead it was sent to my savings at Navy Federal . I immediately contacted my bank ( XXXX ) to reverse the funds, but the bank said they couldnt reverse it because it was an external bank that they would request the funds back. My account at Navy Federal was closed because I owed money because I fell on hard times and could not pay like I was supposed to. But they used the money to pay my balance but I called them and told them that was my daughters pay check I even submitted the bank statement to show it was a direct deposit from the company she works for. They didnt care they told me that it was nothing they could do. They couldnt reverse the transactions. As I further investigated the bank ignore the request to have the funds sent back on XX/XX/year> and then used the funds on XX/XX/year>. They never responded to my banks request and they employee I spoke with was rude and very disrespectful and told me to be careful next time but they couldnt give me my daughters money back. Like I told her if I had the money to pay what I owed I would have been paid it, but now this is putting me in another financial burden and I dont know what to do, my coworker advised me to fill out a complaint. The bank also sold my information to a third party and I was told the account was closed.
Product: Student loan

I had submitted my XXXX and/or XXXX  Statements to show employment with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX which is a qualifying public service eligible for loan forgiveness and I received XXXX  letters from MOHELA on the same XXXX ( XX/XX/XXXX ) of which I do not understand any of MOHELA 's response other than I do not qualify for any of the timeframes I had submitted evidence of employment with XXXX 
I have been with XXXX since XX/XX/XXXX, to current. Although there were XXXX  in XXXX and XXXX in which I was on file and employed with XXXX, but was not required to teach, there were XXXX  periods in which I received no income and thus no earning statements were provided and therefore, I was unable to provide some earning statements within those XXXX- but I was employed with XXXX  since XX/XX/XXXX. 
MOHELA 's letters do not clearly indicate if any of my time with this qualifying XXXX  and simply states that I am not eligible for any loan forgiveness, now, or in the near future- which I significantly disagree with. I want to understand why I am not eligible for XXXX on my student loans. Thank you.
Product: Credit card

I tried to pay off my Citi credit card in XXXX and got a check from my credit union to pay off the balance. I sent in the check with the payment coupon on XXXX/XXXX/2016. I checked a few days later and I still had a balance. I waited a few more days and checked back, still no payoff. I called and was told it would take 7 - 10 days to post, to call back then. I kept checking and nothing. Finally near the end of XXXX I called the credit union to put a stop on the check and was told it was cashed by Citi on XXXX/XXXX/16. I called and emailed a dozen times and still got nowhere. I sent a copy of the cancelled check and was told it would take 30 days to research. Finally the check was located on XXXX/XXXX/16 and kept checking to see if it was posted. I called last night and was told it would take 30 days to post to the account. That is 60 days from the date I sent the payoff check. In the mean time I am accruing interest and having to make payments to stay current while the " find '' my lost check.
Product: Consumer Loan

My name is XXXX I had an account with Americredit which is not GM Financial. I was in a car accident and the car was paid off in full due to this accident ; the company has the pay off listed as paid was a repossession. The car was not repossessed and was paid immediately after the accident. I have contacted them several times online as well as through the XXXX.com and they have yet to resolve this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

Trans Union is reporting outdated information in my credit report. It is unknown how long they have reported the information, but some of it is more that 13 years old. I have disputed the information with them and in each instance they have indicated that the information has been verified. When I asked them to provide the method they used in verifying the accounts, including the name of the person talked to, the phone number of the person talked to and the address of the person talked to, they sent me a form letter which listed none of the information I am entitled to. Below are the accounts : Court Name XXXX Docket number XXXX Record type Incl. in Bankruptcy Month filed XXXX, XXXX Balance {$0.00} Has a filed date of XXXX, and I understand that they go by the actual delinquency date and not the filed date, however the reason there is a XXXX balance on the account as of XXXX is because it was consolidated and XXXX now owns the the account under a separate account number. 

Court Name XXXX Docket number XXXX Record type Incl. in Bankruptcy Month filed XXXX, XXXX XXXX {$0.00} Same as the account above except it has a filed date of XXXX. 

Court Name XXXX Docket number XXXX Record type Incl.  in Bankruptcy Month filed XXXX, XXXX Balance {$0.00} Same as other two Court Name XXXX XXXX  Docket number XXXX Record type Incl. in Bankruptcy XXXX filed XXXX, XXXX XXXX {$0.00} This was a XXXX account that was paid off in XXXX and was never a part of any bankruptcy. 

Court Name XXXX XXXX Docket number XXXX Record type Incl. in Bankruptcy Month filed XXXX, XXXX Balance {$0.00} This account was also paid off in XXXX and not involved in any bankruptcy. 

This seems to be an industry wide problem, as both of the other agencies were reporting out dated account in the Public Records section of my rteport, however XXXX  and XXXX corrected their information. It is only trans union that has and continues to report information that should not be a part of my credit file.
Product: Credit reporting or other personal consumer reports

There are two accounts and some inquiries on my report that after contacting the company and trying to get more information they were unable/refused to give me info to verify the account because whoever set up the account used information that I don't know outside of my personal information so they said i had to file a ftc report . Not sure how its to protect me if I am telling them that I am me and i never set the accounts up. I have attached a copy of the Identity Theft report as well as copy of my ID. The accounts that are fraudulent are as follows : XXXX XXXX inquired on XX/XX/24 and XXXX XXXX XXXX XXXX XXXXXX/XX/24. The only thing that makes sense is someone at the lending company misused my info because I was preapproved when i purchased my home so I never gave my info to have them to check for financing. When I called the lender they confirmed they never tried to run my credit because I had a preapproval that covered the cost of the home. With that being said, inquiry law that applies here is 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) To credit reporting agency The inquiry was not authorized. Did not consent to unauthorized inquiry.
Product: Credit reporting

Experian has the wrong information and will not delete information that is XXXX years old from the time of first delinquency and provides the wrong information regardless of who asks for it if it has wrong information ad will not accept the right information the account must be deleted. if the account is joint information and the data is wrong it does not matter how many times you dispute wrong information it is never deleted. If XXXX sold the wrong data to XXXX XXXX and they report the wrong data than XXXX XXXX is wrong as well
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer right to privacy and confidentiality under XXXX XXXX XXXX. 
XXXX XXXX Account XXXX # XXXX has violated my rights. 
XXXX Account Number # XXXX has violated my rights XXXX Account Number # XXXX has violated my rights XXXXXXXX XXXX Account Number # XXXX has violated my rights XXXX XXXX  Account Number # XXXX 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 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 any other adverse item of information, other than records of convictions of crimes which antedates the reports by more then seven years.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a SS # mixup dispute ( between my sister and my SS # ) with Experian on a student loan with XXXX XXXX XX/XX/XXXX. They sent a copy to XXXX but XXXX wouldn't remove it. My XXXX  called to follow up and they required addtional documentation which my XXXX  uploaded on XX/XX/XXXX. We have been following up regularly and everytime we call, they say a few more days. They won't talk to me even if its my SS to follow up on the status. On XXXX they said XXXX days. On XX/XX/XXXX they said XXXX days. Yesterday they said a few more days. How long does this take! they have all the documents they need!
Product: Credit reporting or other personal consumer reports

Demanding that the files attached below be analyzed by a XXXX & not a computer. I would like for all fraudulent information be eradicated.
Product: Credit reporting or other personal consumer reports

15usc code1581c-1 under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. I may presume that no proof of the alleged debt nor therefore any such debt in fact exists pursuant to 18 usc 8 lowe no debt this company is violating may consumer right to privacy pursuant to 15 usc 1681-b2 company has no permission to report my information per 15usc 16814. I do not consent to these proceedings without prejudice usc1-308.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE STOLE MY SOCIAL SECURITY NUMBER AND PHOTO ID AND OPEN THESE FRAUDULENT ACCOUNTS IN MY NAME I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX CRAS. On XX/XX/2021, I mailed Equifax, XXXX  and XXXX  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 XXXXostal Inspection Service for other possible violations of the law.