23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

In XXXX our mortgage company took out our property tax payment out of our escrow. They were not supposed to since in our closing documents it stated that the title company would be responsible for that. The payment never materialized on our property tax account with the city. After months of calls and emails a city employee discovered a payment of the same amount went to our neighbors ( one number different than our address ). This was a simple mistake by shell point who makes their batch payments through core logic. A property tax representative of shell point said we need to apply for a refund from the city because they do not expect the city to refund them. The city says we can not apply for a refund because its not our property. We paid the taxes with separate savings. So, not only did we not get the benefit of having an escrow account, we also are now missing ~ {$4400.00} from our escrow account. We believe Shellpoint should refund our escrow account and pursue a refund for their mistaken property tax payment. It should not be our burden to resolve their mistake. We have spent hours and hours trying to resolve this issue. We are considering pursuing litigation to be compensated for our efforts and stress. We can not choose our mortgage servicer. At a bare minimum our mortgage servicer should take responsibility for their actions.
Product: Money transfer, virtual currency, or money service

I had an online banking issue and could not log into my accounts and decided to contact Citibank my bank to help me unlock my online banking. When I called the services number at the back of my card, they verified me and transferred me to their tech department to help me fix the issue. They sent me a message from Citibank and asked me to say it back to them and I did. When I suspected fraud, I called Citibank to block the accounts and they only block my checking. Just to realize that a wire transferred was initiated from my saving account in the amount {$48000.00}, when I visited the bank that same day. I contacted the Citibank and filed a dispute, and they only gave me back {$95.00}.
Product: Student loan

Just recently my loans were put on " extended '' repayment plans. They just arbitrarily changed without my consent or approval to a 30 year payment plan! Ridiculous especially with the 9 % loan! I would have paid it 3 times over! I have called and complained twice now. I had to force their hand about not having anything authorized by me to change my payment plan and to put me back on standard payments.
Product: Checking or savings account

XXXX I started to make payments to a law firm of {$300.00} a month. After a few payments I started getting overdraft fees in big amounts. My money is tight and i made sure I had enough to cover. So I thought it was me. But in the last few months I realized that the bank was putting a hold on my account days before it was due which made me go into overdraft. Ive made a complaint twice with no response. It adds up to a lot of money that put me in a lot of hardships. 
XX/XX/2018 payment {$300.00} XX/XX/2018 overdraft {$90.00} XX/XX/2018 payment {$300.00} XX/XX/2018 overdraft {$150.00} XX/XX/2018 overdraft {$30.00} XX/XX/2018 overdraft {$120.00} XX/XX/2018 payment {$300.00} XX/XX/2018 payment {$300.00} XX/XX/2018 payment {$300.00} XX/XX/2018 payment {$300.00} XX/XX/2018 payment {$300.00} XX/XX/2018 overdraft {$120.00} XX/XX/2018 overdraft {$30.00} XX/XX/2018 overdraft {$60.00} XX/XX/2018 overdraft {$60.00} these are the ones I found and the reason I didnt get overdraft fees some months is because I had extra money at that time! 
overdraft {$120.00} XX/XX/2018 overdraft {$30.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I am sending presenting this complaint on my own behalf, as a natural person, consumer, and without any connection to a third party. 


There are late payments inaccurately reporting on my credit report and file. It is your grave responsibility to be reporting correct and accurate information on my credit report and file. 


These are incorrect and supposed to be reported as PAID AS AGREED. Furthermore, pursuant to 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( i ), a consumer report does NOT contain information solely as to transactions or experiences between the consumer and the person making the report. A transaction constitutes late payments- resulting in XXXX violating my federally protected consumer rights. Additionally, I did NOT give XXXX  written instruction/permission to furnish these inaccurate late payments on my consumer report or file, violating 15 U.S.C. 1681b ( a ) ( 2 ).

The inaccurate reporting of these late payments has caused me and my reputation severe harm and discrimination. Please correct your records and have ALL of these inaccurately reporting late payments changed to the correct status of PAID AS AGREED immediately. 

I was the victim of a scam and I'm still having trouble because of that.
Product: Credit reporting or other personal consumer reports

I'm " CLIENTS NAME, '' and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there is still other account that need to be UPDATED. The Equifax and XXXX credit bureaus must verify this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that this disputed account get corrected. XXXX XXXX XXXX XXXX XXXX : {$0.00}.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XX/XX/year> XXXX XXXX XX/XX/year> I DO NOT RECOGNIZE THIS INFORMATION ON MY CREDIT REPORT IT WAS NOT AUTHORIZED.
Product: Credit reporting or other personal consumer reports

My account with this company is being reported late and i was never late! I have had exceptional payment history with this company and all payments were placed on XXXX. 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 MONTHS REPORTING LATE 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. 

This company 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.
Product: Payday loan, title loan, or personal loan

I AM IN THE PROCESS OF PURCHASING A HOME AND WAS PROVIDED A FULL COPY OF MY CREDIT REPORT. AFTER VERIFYING MY REPORT, I NOTICED SEVERAL UNRECOGNIZED NEGATIVE ITEMS THAT ARE PREVENTING ME FROM OBTAINING A MORTGAGE. 

I DID SOME RESEARCH ON THE CFPB WEBSITE AND FOLLOWED THE STEPS TO HAVE THESE ACCOUNTS VALIDATE AND/OR DELETED FROM MY REPORT. FOUR MONTH LATER I FIND MYSELF WITH LITTLE TO NO RESPONSE FROM THE  BUREAUS. THEY HAVE NOT RESPONDED TO SEVERAL LETTERS I SENT AND HAVE NOT PROVIDED DOCUMENTATION TO CLARIFY/SUPPORT THESE ACCOUNTS. 

I HAVE PROVIDED ALL THE DOCUMENT NEEDED TO PROCESS MY REQUEST WITH NO SUCCESS. PLEASE FIND THESE DOCUMENT ATTACHED TO MY DISPUTE.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian refuse to remove inaccurate information reporting on my account. The account has not been verified in three years and they refuse to delete the information under the fair credit reporting act 15 U.S.C to disclose all the information and documents in their file  regarding the accounts reporting on my credit. I have spoke with the creditor and have been advised they are not reporting any of the information that is currently on my credit file. I have been dealing with this information for years and they continue to bring harm on my reputation and credit worthiness.
Product: Credit reporting or other personal consumer reports

DEAR, EQUIFAX I WOKE UP XXXX, AND PULL MY CREDIT REPORT JUST TO CHECK MY CREDIT. I THEN REALIZED. I HAVE BEEN A VICTIM OF FRAUD... PLEASE HELP ME REMOVE AND DELETE THIS FRAUD ACCOUNT FROM MY CREDIT REPORT. XXXX XXXX IS THE FRAUD ACCOUNT OPEN IS XX/XX/XXXX, XXXX XXXX XXXX IS THE FRAUD ACCOUNT OPEN IS XX/XX/XXXX, XXXX - XXXX XXXX IS THE FRAUD ACCOUNT OPEN IS XX/XX/XXXX,
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second attempt to resolve this issue. XXXX XXXX and Equifax are reporting inaccurate information on my credit report. And continue to violate 15 U.S. Code 8 16815-2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION. This erroneous information is ruining my credibility, and I would like it removed entirely from my credit report. List of inaccurate information : the reporting of XXXX XXXX and XXXXXXXX XXXX XXXXXXXX is inaccurate and must be deleted as INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT, which makes the reporting of these accounts Inaccurate. Once again, 15 U.S. Code 8 16815-2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION PROHIBITION ( A ) Reporting Information with actual knowledge of errors 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 data is inaccurate. Duty : a moral or legal obligation ; a responsibility. Accurate : correct in all details ; exact. PROHIBITION : a law or regulation forbidding something As Defined by The IRS. Even if you didn't receive a Form 1099-C, you must report the canceled debt as gross Income on your tax return. The IRS Clearly defines a charge-off as Gross or Ordinary Income. INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT, which makes your reporting of this account Inaccurate. Both XXXX XXXX and XXXXXXXX XXXX XXXXXXXX are inaccurate and must be removed.
Product: Mortgage

I have owned a coop located @ XXXX XXXX XXXX XXXX XXXX NJ XXXX since XXXX. 
I originally obtained a 30-year mortgage from XXXX XXXX  XXXX but over the years the lenders changed from XXXX to XXXX and then to Shellpoint Mortgage ( aka New Rez ) which was not my doing, but the result of the transactions between the lenders. During the entire time I owned this coop unit, the property has always been insured without any gap or lapse of coverage as required by the building. 

Shellpoint Mortgage took over around XX/XX/XXXX and suddenly sent out a letter stating that my property didn't have proof of insurance so they had to insure it on my behalf and start an escrow account. So, I immediately uploaded my proof of insurance ( the policy coverage page ) to the web address they provided, and received their letter dated XX/XX/XXXX ( See attachment 1 ) confirming that they received the proof of my coverage & that they are canceling the insurance they purchased on my behalf and thereby the escrow account as well. 

However, even despite & contrary to their own confirmation and numerous phone calls to correct the matter during which they all confirmed again that I had no liability and they would pass it on to their insurance department ( to no avail ), they have not canceled the escrow even to this date and still continue to bill me for this escrow account ( See attachment 2 ). 

I don't have the bill that contained the original escrow amount any more, but I remember it as in the neighborhood of {$69.00}. It's not a significant amount, but the amount that never even needed to be there in the first place, but that they kept on bilking me with all this time since XXXX last year despite the proof of its non-necessity. 

This is also an epitome of the staunch bureaucratic rigidity plaguing the industry that don't admit to their own fault even in the face of the clear proof against it. Moreover, this is a clear example of how predatory these lending institutions are even down to nickeling & diming of their customers. 

I await your just & rational action against Shellpoint 's injustice.
Product: Checking or savings account

On XX/XX/2023, I initiated a transfer from my newly verified external savings account to my PenFed savings account. This transfer was immediately returned on XX/XX/XXXX and I was given a {$30.00} ACH returned item fee. I called PenFed to inquire as to why this happened, as this account was verified with the trial deposits, and customer support informed me that the external account number was incorrect when I read back the account number to the customer support agent. 

On XX/XX/2023, I contacted them again to see if this could be removed prior to the closure of the account, as the verification process should have ensured that I was using the correct account, especially so since the trial deposits were successful. This fee was unable to be waived and I would be charged the {$30.00} fee, plus an additional {$5.00} fee for debit card usage, prior to closing my account. They were unable to tell me why the transfer was returned.
Product: Credit card or prepaid card

On XX/XX/2021 we booked 4 rooms at the XXXX XXXX XXXX using our Barclays card. Our scheduled stay was from XX/XX/2021 to XX/XX/2021. Due to XXXX XXXX we stayed only one night in 3 rooms. Prior to arriving I cancelled the 4th room on XX/XX/2021. We cancelled the remaining nights on XX/XX/2021 morning. Our family was trying to get a XXXX test but was unable to so we travel back home to be tested. The hotel was fully aware and we were advice we would receive a call from the manager. We never received a call back after several calls. We informed XXXX and disputed the additional nights. Upon receiving our bill we had additional charges we never agreed upon. We disputed with XXXX and the denied our claim stating we agree with all charges. Was advised to write a letter which I did. Sent via fax and postal services. Called to check status in XX/XX/2021. Was advised received and still reviewing. Reviewing old statements and realized today this was never fully resolved. 
Charges on XX/XX/2021 {$700.00}, on XX/XX/2021 {$710.00}, on XX/XX/2021 {$40.00} ( dont know what this charge is for ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a collection from 2015 on my credit report which has plummeted my credit score that I have worked for five years to rebuild. 
EXPERIAN makes it impossible to reach a human being, blocks me from signing into them, lies about having called me and refuses to remove a collection from almost five years ago that suddenly appeared on my credit report this year. A ) There are two people listed on the account that I have knowledge of, B ) They never billed me after sending me a FINAL BILL in early 2014 & C ) the account was supposed to have been switched to someone else! 
I have gone back & forth with Experian for three weeks. This is ridiculous!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 2nd complaint that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. These accounts are unknown to me. Also, the information you provided on some account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some account is a mystery to me. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 

XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX , XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I reached out to XXXX XXXX XXXX certified mail requesting them to send me proof that the debt belongs to me. They received my letter XX/XX/18. I have not received a response from them and the debt is still listed on my XXXX  and XXXX credit report.
Product: Credit reporting or other personal consumer reports

The late payments in questions are associated with the following account - I request closed accounts to be removed Account name : XXXX XXXX Closed XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT. 
XXXX XXXX Dates of late payments : XX/XX/XXXX. 

Account name : CCM Finance LLC- Last Report XXXX XXXX /Change Remarks to Paid in Full XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX. XXXX I wish to emphasize my committed to fair and accurate credit reporting these late payments have had a significant impact on my credit worthiness and have caused me undue financial hardship and emotional distress. The only way a corporation can possibly report a payment as late falls under 15 U.S. Code 1666b - Timing of payments. The FCRA 15 USC 1681a, 15 USC 1681s-2, 15 USC 1681n and Timing of payments 15 USC 1666b , Consumer request the Deletion of all transactions listed as late on their consumer reports.
Product: Credit reporting or other personal consumer reports

It appears that my my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be fraud due to identity theft. The dispute items do not belong to me. XXXX attaching the required FTC Report for you and the bank 's records. Please block/remove these items. 
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 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, credit repair services, or other personal consumer reports

.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

2. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

3. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

4. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

5. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

6. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Product: Money transfer, virtual currency, or money service

Date : XXXX 2021 ACH Transfer : SBA EDILSG loan Amt : {$5000.00} Date : XXXX XXXX 2021 ACH Transfer : SBA EDILTG loan Amt : {$10000.00} These were deposited into my checking account with bank of america and when this was transferred I was not aware that I was going to receive these loans because the SBA actually put me in to get those funds because I previously had a PPP loan with this account information on my application. Basically the SBA used the account already on file to transfer my EDIL loans to. I do have a business account with a different bank. The bank of america recently closed my accounts because of past deposit made through the mobile app NOT authorized by me, in which I reported identity fraud and theft so they ended closing the account. But decided to do so after the ACH transfer of XXXX then said they mailed me a cashiers check i waited for 2 weeks to receive it. I was told by 4 employees of the bank that. When 2 weeks past i called bank of america again and they said sorry we decided to hold that money for verification until its confirmed because it was transferred into my checking instead a business account. I explained my reasoning that the SBA used prior account info to transfer funds. That if I had knowledge to the deposit i would have had it transferred to my business account. But again I had no control over that. I am super extremely upset that i was lied to about receiving a cashiers check when that actually wasn't even true. Then withholding my funds that are seriously needed to buy supplies and help me with transportation for my business to keep rolling. I cant work now because of this and have clients waiting on services i can not provide without these funds. There's absolutely no reason to withhold these funds from me the funds are mines and are the reasoning for my business to continue so i can support my family. 
Indeed I have reported identity theft and fraud to the right agencies and i have proof of that. My entire wallet was stolen and my phone i never have done anything illegal to be treated like I'm the perpetrator when in fact i am a victim. I have been more than patient for over a month now. The bank lied to me for 2 weeks then kept giving me the run around. I already contacted the SBA regarding this, and have requested for the funds to be sent back and re deposited into my business account. I am making a complaint because I lost out on a lot of revenue and money not being able to fund my business which is why i received these funds and have not been able to work or fulfill needs of clients. Thank you for your time! 
XXXX XXXX
Product: Money transfer, virtual currency, or money service

I received an email from someone named XXXX ( email XXXX : XXXX ) saying that I needed to upgrade my XXXX account to a business account if I needed to continue making a transaction. I received detailed instructions, telling me to transfer XXXX $ to them and I'll get a refund of XXXX $ to my account which they claimed to be updated.Having transferred that money, I found out from a friend that it is a common scam because I never received my XXXX $ back that I sent. I would kindly request the CFPB team to look into transaction because I've been told that this is the common scam. As an XXXX  to the country and as a XXXX, those XXXX $ hold a lot of value for me. I feel extremely disappointed and hurt that someone would do that. I appreciate any help that I could receive from your end. Please let me know if I need to provide to solve this issue and let 's make sure that we make enough awareness about it so that no other vulnerable person has to deal with you.
Product: Credit reporting, credit repair services, or other personal consumer reports

All 3 credit bureaus have remarks on my report that Ive been 60 days serious deliquincy. I have never been late on any of my accounts in over 5 years. I have tried to dispute this remark with all 3 credit bureaus but have gotten nowhere.