23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

They said they could not reverse the fees because they were not at fault for the error to making my escrow negative, then proceeded to try to sell my condo. 

My mortgage company erred in sending my account to collections, and now I deal with a collection agency that miscounted my veteran status, and assessed taxes from my escrow mistakenly. Instead of simply correcting the error, the company told me to let them pay it, then get a refund each year. Unbeknownst to me, they were paying from my escrow. Once my payment increased due to the inevitable exhaustion of escrow funds ( I just bought my home in 2021 ), I was unable to keep up with the payments and began fighting to figure out why my payment was so high. The company has still never outright admitted to their failure to inform me of the need to deposit the refund checks back into my escrow account. They also failed to simply make the adjustment in their system to stop assessing taxes from my account. 

I am a XXXX XXXX XXXX XXXX  veteran who has been assessed taxes even though Im tax exempt. The refund checks I received were from my escrow without my knowing. Had I known, I would have deposited them back into my escrow account. After fighting for a few years, I am forced to pay the fees to keep my home.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a company that has fraudulently claimed i owe them {$680.00} appear on my credit report. 

I have disputed this with the credit agencies and all of them ( except equifax ) removed the claim due to the fact that no documentation was provided by the creditor claiming the debt was owed. 

Equifax on the other hand will not request proof of the debt owed ( i.e. signed contract ) and is telling me the onus is on me to provide documentation that the debt is fake. 

I can not provide documentation proving the debt is fraudulent because its impossible to prove a fake claim is fraudulent. 

The XXXX  is on the credit agency to request proof the claim is genuine. 

To further compound this issue equifax is saying that any request must be sent in by writing, via snail mail, and provided with a photocopy of my social security card, my W2, and drivers license. 

Of all the companies in the world - id assume a credit agency to follow best information security practices- but it appears they are simply making this dispute process as difficult for the consumer as possible. 

Let alone the fact that sending in a photo copy of my SSN card, Drivers license, and W2 - is a magnificent security risk. Should my letter be lost or intercepted, whoever opens it can easily steal my identity. 

Equifax in general are making the dispute process extremely difficult. When i asked what evidence they had for the debt, they told me that my name was in the collectors system - and that is all the evidence they need. 

When i dispute it and they say they are going to specficially ask the debt claimant to provide documentation supporting their claim, they do not follow through. 

I have disputed 4 times now and each time they do the exact same thing. 

Im at my wits end as equifax will not help me, and is making this process as difficult for the consumer as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter on XX/XX/XXXX regarding unknown and inaccurate information on my credit report. As of this date ( XXXX ), which is more than 60 days later, I still have not received any response. I am under the impression my disputes, my claims, as well as myself are being disregarded and dismissed. Section 611 ( a ) plainly states that a failure to investigate these disputes within 30 days gives reason to remove those items from my credit report immediately. These items should be removed at once since it has been over 60 days. I demand these accounts be deleted immediately or I will file for litigation due to the unjust stress that it has caused me. Furthermore, my personal information was impacted by the Equifax data breach whichmay have gotten into the hands of unauthorized individuals.
Product: Student loan

On XX/XX/14 a payment of {$420.00} was taken from my account unbeknownst to me, XXXX had scheduled a payment from me that was half of my paycheck. 

They completely ignored my pending applications for XXXX and XXXX programs. 

I never authorized the amount they took. I was never informed of the amount. I received letters that my serviced had changed, but that was all.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  ; XXXX  and Transunion are reporting incorrectly that I am ( 60 ) days late on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Product: Credit reporting

TransUnion is reporting XXXX XXXX XXXX accounts the do not belong to me. I filed a police report and sent it to them as well as sent them a notarized affidavit along with Section 605 ( b ) which requires them to block all documented fraudulent items. They refused to remove those fraudulent items. I contacted XXXX XXXX they told me that they released those items and to see TransUnion about it. TransUnion continues to ignore my request.
Product: Credit reporting or other personal consumer reports

This is my new attempt to notify you that I was harmed by incorrect credit report details and I submit to dispute these items in my file resulting from this matter. The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please remove the reporting of any information in my credit file that resulted from the inaccuracies in my credit profile. 
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 {$5700.00}. These items are unknown to me. Also, the information you provided on these items are DELETED from other bureaus and I have doubts about their accuracy and the reported history on these items are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to rescind.
Product: Debt collection

Frequently calling me across multiple different numbers, I have answered and on multiple occasions told them that due to currently loosing hours and eventually my long term job. Just today I have received multiple calls typically one after another between my cellphone and house phone. They will Call my cellphone and immediately call my house phone directly after and typically total up to 8-10 calls a day between the two devices.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to formally file a complaint against Kikoff Lending LLC for violating the Fair Credit Reporting Act ( FCRA ) by continuing to report late payments on my closed and charged-off account. This action infringes upon my rights under the FCRA laws and demands immediate rectification to comply with legal standards. Kikoff Lending LLC ongoing reporting of late payments post-closure and charge-off of the account directly contravenes the FCRA laws, particularly Sections 623 and 605. Under Section 623, it is mandatory that the information reported by creditors to consumer reporting agencies is accurate, complete, and updated. The continuous reporting of late payments after the account closure violates these stipulations. Moreover, Section 605 requires accurate reporting of the account status, and the reporting of late payments on a closed and charged-off account is misleading and inaccurate. Furthermore, the issuance of a 1099-C form signifies that the debt was charged off and written off, thus releasing me from the obligation of repayment and making me tax liable for the discharged debt. Under the FCRA laws, this discharge of debt should be reflected in the credit report accurately. Kikoff Lending LLC reporting of an inaccurate balance post-charge off constitutes a violation of the FCRA, specifically Section 605. In light of the aforementioned violations, I demand that XXXX XXXXXXXX XXXX take immediate corrective actions in compliance with the FCRA. This includes : 1. Ceasing the reporting of inaccurate information on my credit report, specifically late payments on a closed and charged-off account. 2. Stopping the reporting of an amount owed that is no longer valid due to the charge-off and issuance of the 1099-C. 3. Either reporting an accurate { {$0.00} } balance or removing the accounts completely from my credit report in line with FCRA regulations. Failure to comply with these requests will compel me to escalate this matter to the appropriate regulatory authorities to ensure adherence to the FCRA laws. I expect a prompt response acknowledging receipt of this complaint and detailing the steps Kikoff Lending LLC will take to rectify the inaccuracies on my credit report. Sincerely, XXXX XXXX XXXX XXXX.
Product: Checking or savings account

Last year someone trying to open my account after they open my account and they deposit the check in my account after that they close my account with the fraud check
Product: Debt collection

I owed {$120.00} for XXXX XXXX XXXX. I had mailed {$64.00}. I went to the website and made the remaining {$64.00} by credit card ; however, {$64.00} did not reflect towards the balance.
Product: Money transfer, virtual currency, or money service

Today XX/XX/XXXX, I received a 1099XXXX form in the mail allegedly from CashApp, or Block, Inc/ Square Inc . The form has my full name ( XXXX  my last name is not complete ), address, and last 4 digits of my social security number. 

The form indicates I had XXXX payment transactions in XX/XX/XXXX in the amount of {$8300.00}. I've never used CashApp before and have no clue how these transactions could have been made. The alleged payments were filled under XXXX XXXX XXXX XXXX which is general contracting. I am a XXXX XXXX  and not a XXXX XXXX 

After verifying that the support website provided was legit, I called the support number for CashApp. They simply told me to call the IRS and that they couldnt help me and that it was likely fraud because I do not have an account with them and have never done business with them. 

It appears this happened to a lot of people this month and CashApp is not resolving the situation. I need to have this fixed or figured out ASAP for tax reasons. This is clearly fraud and CashApp is at fault and should be held accountable.
Product: Checking or savings account

XX/XX/2021 Checking account {$460.00} self service wire transfer out {$25.00} wire transfer fee XX/XX/2021 Savings account {$150.00} wire self service transfer out {$25.00} wire transfer fee PNC BANK XXXX XXXX XXXX  XXXX Bank account was hacked. Notified Bank immediately. Was told 10 days to have my money returned. Then told 45 to 90 days. Now told possibly never. I can not get any information about this case. Please respond ASAP. Already filed dispute with FDIC. Waiting on response. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted XXXX XXXX about my XXXX XXXX Credit Card. I had misplaced the card and requested a new one. One week later, I was notified by Experian that the XXXX XXXX XXXX Account had DELETED ENTIRELY from my credit profile, causing my FICO SCORE to DROP 25 POINTS!!! 

I immediately contacted XXXX  and they told me I should dispute it- which I did. Nothing changed. I called XXXX back, and they told me they had made the adjustments on their end. 

To date, that has not occurred. I have emailed XXXX and contacted them no less than 5 times both via telephone and in writing. And not ONE change has been made. I have an OPEN ACCOUNT with a BALANCE DUE which is NOT reporting on my credit report.. 

Certainly people have lost a credit card without having it wiped off their credit report- why is this so DIFFICULT?
Product: Credit reporting, credit repair services, or other personal consumer reports

For the past three months, I have been trying to refinance my auto loan and was told by creditors that my DTI was too high. Thinking that my credit card balances were too high, I paid them down. Just today, XX/XX/XXXX, I tried refinancing again and was told the same thing, so I inquired further and was told that XXXX XXXX was reporting a loan with a zero balance and an $ 812 monthly payment that started back in XXXX. This information is not true because I was on medical leave from XXXX with a IBR payment of XXXX. However, I did reenter school to complete my XXXX in late XXXX in which I am still enrolled as of today. I am using private student loans to pay for the tuition. I have never made an {$810.00} payment for a student loan, and how can a XXXX  balance require an {$810.00} payment. I tried fixing the problem with XXXX XXXX about 15 minutes ago and was met with confusion by the phone tech who had a lackadaisical attitude. A form was sent to me via email asking me to reiterate the problem. I refused to fill out the form.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX continues to negatively pull my credit for something I did not do in XXXX. I tried to deal with the issue on numerous occasions but to no avail. I submitted a fraud report through the federal fraud department, because now the police department in my city doesn't physically accept fraud reports. I was XXXX  during the time in question, but XXXX says they can not remove the negative items although I submitted proof of XXXX  from the NJ state parole board and NJDOC. I was XXXX  from XX/XX/XXXX until I was XXXX XX/XX/XXXX
Product: Debt collection

I have made many many attempts to contact this company and receive no response except the same letter being sent which is not validation. They have only responded to my previous complaint on here which didnt even solve the problem. I do not believe the debt is mine and they refuse to provide evidence that it is mine. 

I am requesting that the XXXX entity or its business associate provide debt validation for an account in question. ( A bill with my name on it and random procedure codes is NOT validation. ) Please provide debt validation in the form of agreement, an original bill, and a DETAILED statement of procedures is required, if any. 

Please provide a breakdown of fees, including any collections costs and medical charges, if any. 

Please provide a copy of my signature with the provider of service to release my medical information to you. 

Please provide me with a verified certificate of authority, and proof that your company is licensed to collect debt in my state. Kindly provide me with a license number and registered agent or agent of service. 

Finally, please provide an affidavit signed under Penalty of Perjury that your organization has not violated any portion of the FCRA, FDCPA, HIPAA.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reporting to Equifax unpaid debt. That identify as theft and identity theft. This account was fraudulently open in my name. I have submit it a police report to Equifax several times also a copy of my ID several time sent certified mail. I am asking for a verification of my signature, which was show that I signed for this account. They have no authorization of my signature of this account or verification of my signature of this account. I would like this account remove with 14 days. which is hindering me from accessing homes hinder me from taking care of my family. This has been something. that left me in XXXX. Equifax has still has not verified my signature for this account. They are violating my rights under the fair credit act as a consumer. I have the right to see verification of my signature for this account.
Product: Money transfer, virtual currency, or money service

PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my Both PayPal Accounts is : 1 ) XXXX 2 ) XXXX XXXX
Product: Credit card

XX/XX/XXXX two payments of {$2000.00} with the same ID were made from my XXXX to my BoA credit card making it have a negative balance of around {$2000.00}. 

XX/XX/XXXX I called to request that the second payment get reversed. I was informed that it happened due to me manually scheduling a payment and auto pay paying. I was informed that I would have the payment reversed in 2-3 business days. 

XX/XX/XXXX I called in asking for an update and I was informed that the previous rep was wrong and that it can take up to 10 business days. Either this call or the previous one they got my XXXX account information. I believe that this day they also told me that the previous rep had initiated the wrong type of transfer. He did a balance payout rather than a payment reversal. I said that I didn't care I just needed either one ASAP. I was assured that I would have the money back in my account in a MAXIMUM of 10 business days from when I originally requested it ( XX/XX/XXXX ). 

XX/XX/XXXX I called asking for an update as I have not received any money yet. I was told that they sent a cheque on XX/XX/XXXX instead of refunding my money electronically and that I would have to wait up to 14 business days from then to get my refund. I can not wait almost a month from when I alerted them the day after the payment was mistakenly made and requested the payment reversed.
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention a concerning issue regarding my credit with your institution. Upon reviewing my records, I discovered several files and accounts that do not belong to me. This discovery leads me to believe that my identity may have been compromised. According to section XXXX of the Fair Credit Reporting Act ( FCRA ), it is mandated by law that any items found to be opened due to identity theft must be promptly removed from my credit report. As such, I am formally requesting the removal of these erroneous items from my credit report. 

Furthermore, I want to emphasize the importance of your compliance with the FCRA regulations. If there is any possibility that these disputed items belong to me, I insist on receiving all documentation that bears my signature. According to my research, it is your responsibility to verify with 100 % accuracy that each item is true, accurate, correct, complete, and verifiable. 

I trust that you will handle this matter promptly and in accordance with the law. With this, I am asking for your assisstance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$1000.00} XXXX XXXX XXXX  Balance Owed : {$4400.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : XXXX XXXX XXXX XXXX Balance Owed : {$4400.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX XXXX has a hard inquiry on my credit report that I did not authorize and the company confirmed that I have no applications filed with them in 2024. They put in a ticket to remove inquiry and it has not been removed from EQUIFAX
Product: Mortgage

We sold our house, and close on XX/XX/XXXX. I contacted New Rez to request a payoff statement. After about a week and a half, a few emails and phone calls, I finally Had them fax it to me. Theres now an option to get it online that wasnt there before. 

The first two people I spoke with at the loan servicing dept. between the end of XXXX and about XX/XX/XXXX, when I finally got my payoff statement, both told me that there was a {$3600.00} debit added to the payoff statement because the first county tax was sent on XX/XX/XXXX. I questioned them over and over again about why that amount wasnt taken out of my escrow that has close to {$6000.00} in it, and neither could answer. Neither one could give me any kind of verification or receipt that the first county real estate tax was paid. 

Last Monday, I got a hold of the county tax assessors office to try and get a receipt for the tax payment, but they said they have g received anything yet. 

I called New Rez again. and asked for verification that the county tax was paid, and now this rep, and her supervisor told me it was never sent. I first asked him to send it out, but he said itd take 7-10 days or longer for receipt verification from the tax office, so then I asked him not to send the tax payment it since it was too close to our XX/XX/XXXX house closing date to verify receipt with the tax office. He said he could make a request not to send the delinquent tax ( not actually due here until XX/XX/XXXX ), but he couldnt remove it from the payoff statement. I tried to explain the whole thing, and asked him again why it didnt come out of escrow, but he couldnt answer. 

So now, at closing I have to pay title company the first county tax of roughly {$3600.00}, and I have to also pay New Rez fhe same {$3600.00}. Thats an additional roughly {$8000.00} I have to come up with at closing when I shouldnt have to pay either because my escrow balance should have covered that tax. 

So New Rez is getting the {$3600.00}, just to give it back to me instead of just removing it from the payoff statement. Sounds a little questionable to me. My last bank screwed up my escrow and if took me months after we refinanced to get some of it back. 

Could you please look into their payoff and escrow handling, and also why the first county tax wasnt made on XX/XX/XXXX like it was last year? Its hard for me to believe that they cant remove the county debit from the payoff statement. 

Sounds fishy to me. At least Im not in a situation where I need the extra {$8000.00} right away.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Inquiries in Dispute : 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  Date Opened : XX/XX/XXXX XXXX Owed : {$0.00} Late/Open
Product: Credit reporting or other personal consumer reports

I am filing this complaint to bring to your attention that TransUnion is unlawfully reporting fraudulent inquiries on my credit report. These inquiries are the result of identity theft and should be permanently blocked and removed under the Fair Credit Reporting Act ( FCRA ) 605B ( 15 U.S.C. 1681c-2 ). 
See attached police report.
Product: Debt collection

Credit Card TARGET/TD XXXX XXXX {$970.00}