23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

XX/XX/2021, we received a tax delinquent notice that was supposed to be paid through our escrow account. The original amount was {$980.00}. I contacted Amerihome and was told over the phone that the bill would be taken care of and that the process was just delayed. However, in XXXX, I received a formal delinquency notice with a fee attached to the same bill I was notified back in XXXX, this time in the amount of {$1000.00}. Again, I reached out to Amerihome. I was then instructed to send an email of the letter and they would take care of the issue within 10 days. I never received a notice from Amerihome. However, I did receive another delinquency notice of the same tax bill in XXXX with another fee added to the amount of {$1100.00}. I therefore reached out a third time to the company and received instructions to repeat the process of emailing the delinquency notice and waiting 10 days before having it resolved. Within the 10 days, I saw that the bill was paid along with the fees directly out of our escrow account to the full amount of {$1100.00}. When I reached out asking why the bill and the fees were directly paid out of our escrow, we were then told that the tax bill was not their responsibility. Firstly, I would have appreciated being told before all the fees were added so I could have figured this out myself. Secondly, this is the first time in years of living here that we have received a delinquency tax notice that was not the responsibility of Amerihome to pay through our escrow. We have been paying all of our taxes through the escrow just fine previously, so I am not sure how they can decide one year that the tax bill is not their responsibility to pay. 
Later, as of XX/XX/XXXX, we then received a delinquency notice of our Home insurance. To prevent cancelation of our policy, we paid the month directly out of pocket to the amount of {$270.00}. In discussing this with Amerihome, they are claiming that the house insurance company has not provided any info for them to pay. I am not sure what info was required because we have used the same exact house insurance company since the purchase of the house. In discussing the issue with our house insurance company, they stated that Amerihome was simply not paying the renewal insurance policy.
Product: Credit reporting or other personal consumer reports

My account with XXXX & XXXX XXXX  was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment reported in 60 days to be removed. 


They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 


15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX & XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports 8
Product: Credit reporting, credit repair services, or other personal consumer reports

I was affected by the Equifax security breach.
Product: Student loan

I have a student loan in the amount of approximately {$44000.00}. Navient is my loan servicer. My loan is currently defered due to unemployment. While employed I was making monthly payments that, unbeknownst to me, were not enough to cover the monthly payment. Instead of reducing the amount owed my principal was increasing every month regardless of my payment. My loan began with a balance of approximately {$38000.00}. I was never informed that the unpaid interest would be added to the principal monthly. The interest rate i s 6.8. It  is possible to extend the loan period to 25 years and reduce the interest t o 6.75 maki ng monathly payments of {$300.00}, which is still too high. My loan balance would then increase to over {$90000.00}, almost tripiling the original amount. It was never clearly explained that the loan amount would continue to increase when I took a forebearance or deferment. It is becoming more difficult to pay this loan as the balance has never increased.
Product: Debt collection

Municipal Services Bureau has been calling for over 3 years. 
The last time they called was Tuesday, XX/XX/XXXX the at XXXXXXXX XXXX, from the number XXXX. 
I inquired about their reference id # XXXX and it was to collect a debt from a man who does not live here and is not at all related to me. 
I owe no debt with them, and they have acknowleged that, but they continue to call often.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below have violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXXXXXX account XXXX XXXX  ( XXXX adverse remarks ) Opened XX/XX/2014 has violated my rights. 

15 US.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 report by more man seven years 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.

15 U.S.C. 1681 section 611 ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be INACCURATE or INCOMPLETE or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

They are also in violation for the CARES ACT.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/ To Whom May Concern, Im writing in regard to 2 of my credit cards with XXXX XXXX. The XXXX XXXX XXXX XXXX accounts ending in # XXXX and XXXX XXXX XXXX XXXX ending in # XXXX. I recently pulled my credit report & it shows that these cards are not being reported to the following Credit Bureaus Transunion and XXXX. I spoke with both Transunion and XXXX to confirm, I was told that the accounts are not being report to them and to call XXXX XXXX to speak with them. Also, that they're the ones who have to send documents in order for the credit card to start reporting. XX/XX/XXXX is when I initially reported the problem, I was sent a letter on XX/XX/XXXX and XXXX. Theyre two different departments. The letter stating that the XXXX XXXX XXXX is being reported, the other letters for the XXXXXXXX XXXX stated they wanted me to send more information proving that its not being reported. I sent XXXX XXXX a full credit report providing them with highlight details showing nether one of the credit cards on the credit reports. I also have another 3rd credit card with XXXX XXXX a XXXX account I provided as well showing that account is being report, just to prove that the other 2 are not. So I received another letter on XX/XX/XXXX. Both letters stated the credit cards are being reported. I'm not sure where the confusion is coming from whether its XXXX XXXX not reporting or it's Transunion or XXXX, I have no clue what else to do. As I was not aware of this matter until recently getting my credit repaired. I have a account with XXXX thats monitoring my credit & pulled my report from there website as well & neither one of those credit cards are showing. I have had these cards for some time now & this comes as a shock that making on time payments are not being accounted for toward my actual credit score. I hope this issue can be resolved quickly. 

Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ) account name : XXXX XXXX XXXX also known XXXX XXXX XXXX account # XXXX ) account name : XXXX XXXX XXXX also known XXXX XXXX XXXX account # XXXX ) account name : XXXX XXXX XXXX also known XXXX XXXX XXXX account # XXXX ) account name : XXXX XXXX XXXX also known XXXX XXXX XXXX account # XXXX ) account name : XXXX XXXX XXXX also known XXXX XXXX XXXX account # XXXX ) account name : XXXX XXXX XXXX also known XXXX XXXX XXXX account # XXXX 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 my 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 report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) a person shall not furnish any information relating to a consumers to any consumer reporting agency if the person known or has reasonable cause to believe that the information is inaccurate. 
remove all accounts that are closed but still keep popping up account # XXXX account # XXXX account # XXXX account # XXXX account # XXXX account # XXXX  XXXX XXXX account # XXXX XXXX XXXX account # XXXX account # XXXX account # XXXX account # XXXX account # XXXX account # XXXX account # XXXX account # XXXX account # XXXX remove all accounts from this report that are closed but still keep popping up due to fraud
Product: Credit reporting, credit repair services, or other personal consumer reports

On   XXXX   XXXX  , I contacted the   XXXX   credit reporting agencies,  XXXX ,  XXXX , and Experian to ask to remove only the dispute for   XXXX    acct per my lender request.   XXXX   is the only agency that removed all my disputes that was not what we requested, all other disputes were removed without my permission by  XXXX . The call confirmation number is #  XXXX . I had been working with   XXXX   XXXX   XXXX   on my credit for over a year and a half. Also, most of the disputes were started last year and the accounts that did not return a response should have been deleted off my credit report.
Once  XXXX  did INCORRECTLY removed those disputes the accounts were so call sold to collections companies that are now on my file. These accounts should have been deleted because they did not response in time to my disputes. Now I would have to start my filing of these disputes all over again which is not fair to me as a consumer since I DID FOLLOW PROCEDURE ALREADY.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently ordered my credit reports and numerous accounts that do not belong to me was discovered which means I am a victim of identity theft
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act the following companies have violated my rights : XXXX XXXX XXXX Account # XXXX 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
Product: Credit reporting or other personal consumer reports

The payments that are being reported on my credit profile violate my consumer rights under FCRA consumer law 15 USC 166B. As a long-time customer that has had an exceptional payment history with XXXX, I am appalled that they will violate my consumer rights in such a Manner that is detrimental to me achieving a good credit profile which affects my approval chances for other accounts. After speaking with XXXX in customer service they were not helpful and didn't listen to me as a long-time customer. They advised there was nothing they could do, although they even though there was an agreement made through XX/XX/XXXX, they're in breach of the agreement and cause a negative reflection on my credit file. I'm well aware my consumer rights and they have had been violated. I can not believe a company of this magnitude. Doesn't honor their commitment and doesn't care about customer 's consumer rights. XXXX is tarnishing my name and credit profile by reporting this account as late payments inaccurately without my consent. As well as my creditworthiness, character, and my general reputation which is also against the FCRA.
Product: Credit card

My American express card was charged without my authorization for a total of {$62000.00}. 

XXXX - {$38000.00} XXXX - {$16000.00} XXXX - {$7300.00}
Product: Checking or savings account

I thought I was starting a new job .. so I started my first week. & I given a check to deposit in my bank.. XXXX $ and it was available XX/XX/XXXX. After I went to XXXX to purchase two XXXX $ XXXX gift cards. Not the XXXX cards.. I was told by my boss XXXX XXXX to send the gift to another employee.. I never met this person before. We only been contacting through via email.. later that day around XXXX I get a notification from my bank saying it was charge back.. meaning the check was never clear.. now i have negative XXXX in my account. Im hoping XXXX can block the cards and give me any remaining funds back.
Product: Checking or savings account

I opened a dispute a couple of weeks ago agains 3 transactions from " XXXX  '' but I forgot to add a fourth one to the same claim. 
XX/XX/year> XXXX Service not provided, I tried to reach the merchant many times without any answer. 



And also I need to open another new dispute for merchandize not received. 
XX/XX/XXXX XXXX brand XXXX XX/XX/XXXX XXXX XXXX in both cases the order ( general stuff from supermarket ) should arrived on XX/XX/XXXX, never happened and since now I dont have any answer from the company, I tried to reach them several times by phone and website. 

I couldnt reach customer service to discuss this.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please tell me how this information was verified by the same creditor but still report inconsistently across three bureaus? I have a right to an accurate credit report please delete this unverified inaccurate account immediately.
Product: Credit reporting or other personal consumer reports

I request for the payment to get correct on my credit file I was never late for this account in XXXX of XXXX or XX/XX/XXXX. Payment was taking out my account and I can see that the credit card payment was made to my self builder credit card. Please update the account and change the late payment to paid on time. Here the account name and number : XXXX XXXX/ account number XXXX. I have proof payment was made.
Product: Credit reporting or other personal consumer reports

Dear CFPB, I am writing to express my dissatisfaction with the resolution provided by Equifax and XXXX concerning my credit report disputes. I believe their closure of my complaints lacks strong verifiable proofs and has left me in a state of frustration. 

Both Equifax and XXXX have informed me that the disputed accounts were considered valid, yet their explanations indicated uncertainty due to a lack of response from the furnishers of information. In contrast, XXXX has taken a different stance, declaring the disputed account as current and invalid. The inconsistency between these credit bureaus is causing significant distress and has led to the continued reporting of unverified and invalid information on my credit files. 

This situation is undeniably unfair and reflects a lack of diligence on the part of Equifax and XXXX. Their failure to thoroughly investigate and resolve discrepancies in my credit report is not only disheartening but also has tangible consequences on my financial standing. 

I kindly request the Consumer Financial Protection Bureau 's intervention in reviewing and addressing this matter. I believe that a comprehensive and unbiased investigation is necessary to rectify the inaccuracies in my credit report and ensure fair reporting by all credit bureaus involved.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX, XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS 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 


I recently submitted a request for investigation of an Acct Number : XXXX XXXX XXXX XXXX XXXX XXXX Ive submitted enough information regarding the fraudulent account thats open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your e-Oscar system you would have noticed that this account is not mine which your companies have claimed to Verified. Since youve obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in Cushman v TransUnion, Stevenson v. TRW ( Experian ), and Richardson v. Fleet, Equifax et, the courts ruled each and every time that the CRA couldnt merely Parrot information from the creditors and collection agencies that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the e-Oscar system that doesnt even contain my reasons for the dispute is not reasonable.

If you dont initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which Im sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court.

I look forward to an expedite resolution of this matter Thank you. 


XXXX, XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX To whom it may concern : Please accept this letter as my formal written request for the following items on my credit report to be investigated.

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof that I own this debt, you must remove the accounts listed below.

I demand the following accounts to be verified or removed immediately : Name of Account Number Provide Verification XXXX XXXX XXXX XXXX - Under 15 U.S. Code 1681s2 ( F ) Reporting information that does not belong to me- Please remove immediately * Please add a Promotional Suppression to my credit file. Sincerely, XXXX XXXX
Product: Mortgage

Alameda Mortgage in CA closed a loan XXXX. XXXX XXXX I closed another refi. I canceled the loan within the 3 day period and gave them back XXXX of the XXXX cash out and XXXX in cc payoff, so all money returned less XXXX in actual damages they caused me. Alameda has resold the loan to the money source. Alameda never communicated with me except to bill me for new loan. The sent their att to harass me and extort XXXX or no cancelation. XXXX in tax n ins they never paid was requested or no cancel. I sent in payments to 1st loan on checks and electronically with loan id and month and p+i. The payments were applied to loan 2. I canceled a check, they knew, they sent it to XXXX XXXX XXXX as payment on loan 2.
Product: Vehicle loan or lease

I'm feeling real XXXX about myself because I can not get an extension of my own credit due to the finance manager not knowing the law. I have tried explain and referencing the law but due to him doing it " his way '' all this time. He will not listen. I've also asked for the underwriter number and he would not disclose. He keeps giving me his opinion I am not creditworthy, I AM credit worthy. I told him to show me the law of what determines credit worthiness and he could not. I can't even begin adverse action because I've called the bank and they said they have no access to my application only the dealership does. They are discriminating against me. The so called finance manager 's number is XXXX. He violates 12 CFR 1002b, 15 USC 1642, 15 USC 1681m. They've ran my social security number and I've received no benefit. They also sent my application to 2 other banks without telling me because to knowledge I've only said I wanted to finance with XXXX so that's fraud causing 2 more hard inquiries in 1 day. For VIN XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent several letters to Equifax about a negative report that is showing up in my credit profile. I am not going to allow Equifax to continue to violate my rights under law 15 USCa ( 2 ) ( b ).