23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

My property taxes were not paid and I received a tax delinquency notice from the Municipality of XXXX which assessed additional penalties and fees. I contacted my mortgage company who paid the taxes in full on XX/XX/2018 in the total amount due for the year {$1800.00}. I requested an escrow statement and received the same. I noticed that on XX/XX/2018 a tax payment of {$1200.00} was deducted from my escrow account. I spoke to my mortgage company who stated that the payment was made to Municipality of XXXX. I contacted the Municipality who stated they did not receive the payment and have no record of the check. I requested that Freedom Mortgage, my mortgage company send me a copy of the check to take to the Municipality so they can research. I was told a copy of the check would be sent to me via email by XX/XX/2018 and I also requested a copy be mailed to me. I have not received either as of today and when I contact my mortgage company, they keep stating that the check was sent to the Municipality of XXXX, but will not provide a copy. {$1200.00} is missing from my escrow account and my mortgage company will not give me a copy of the check or an explanation of where the money was sent. As of XX/XX/2018 I received a notice from Freedom Mortgage that I have an 'escrow ' shortage and they increased my payment by {$46.00} monthly to make up the shortage. I should not have an escrow shortage and want the {$1200.00} put back in my escrow account or returned to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted several disputes to Experian, XXXX and XXXX regarding incorrect information listed in my credit report and have not received any responses back from Experian or XXXX. I thought that there was a law that says they are supposed to respond within a certain amount of time like 30 days or something like that. Well it has been way longer than 30 days and I haven't heard anything. I've sent my letters regular mail and certified mail and still nothing from Experian and XXXX.
Product: Student loan

I emailed twice, called three times ( was on hold for over an hour and calls hung up ), on a call with them for over two hours trying to solve the problem. 

Someone elses name, address, and DOB were on my student loan account. Mail with personal information about my loans were being mailed to this other person. They reported that they would update my information but unable to clearly tell me why this persons information was on my account.
Product: Debt collection

Plaza Services LLC continues to send me a printout of a bill or itemized document as debt validation. As per the FTC opinion letter from Attorney XXXX XXXX XXXX, a printout of a bill or itemized document does not constitute verification. This company can not provide me any documents bearing my signature showing I have a legal binding contractual obligation to their company. I did not give permission under the FCRA, FDCPA, or congress law for them to report this account against me while violating my rights under the law. This account needs to be removed immediately from my credit from all credit bureaus. I have consulted with attorneys, the Attorney Generals Office, CFPB and XXXX on this issue. Plaza Services LLC has XXXX  days to delete the accounts in violation before I sue for violations.
Product: Mortgage

I was falling behind on my mortgage with Ocwen. So at about XXXX days behind, I contacted them to tell them I had lost my job and was now working for a lower wage, but I still wanted to save up money to make a payment. They told me I legally had XXXX days to make a payment. So I scrimped and saved, so as the XXXX day was approaching I found that I would get paid my last portion that I needed on the XXXX day. I called Ocwen on the XXXX day and asked them if I could submit my payment on the XXXX day. They told me that would be fine. So I wired my payment from my bank ( XXXX/XXXX/15 ). They subsequently sent it back to me on ( XXXX/XXXX/15 ) and told me that I was too late and that now I owed $ XXXX+ dollars which I did not have. Since then I have been trying to work out a modification which they denied and find myself possibly facing foreclosure. They said that never received the funds. I have proof of the wire activities via my bank. They have ignored this and are proceeding to try to take my home.
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened a account with XXXX XXXX in XX/XX/XXXX. I paid off the loan in XX/XX/XXXX. It  still appears with the credit bureaus after 7 years and I contacted XXXX XXXX XXXX on XX/XX/XXXX they stated it would be removed from my Transunion and XXXX   bureaus but it has not yet been deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

Written Equifax Credit several time about a medical bill but it has never but disputer dispute me sending cert. mail and fax letter and phone calls this company refuse to address my concerns. example of last letter sent : Mail Equifax XXXX XXXX, XXXX. XXXX XXXX XXXX XXXX, GA XXXX Phone XXXX XXXX Dispute XXXX XXXX XXXX This was my State treating doctor for my XXXX  injury, 1997 When I was hurt on the job at XXXX XXXX XXXX XXXX XXXX was my treating doctor. Under State Law a treating injury doctor should bill my job due to the nature of my injury under XXXX XXXX. This is a XXXX bill due to state regulation. Therefore, I am requesting this item to be remove due to the fact XXXX pass my medical bill due to injury by the State of Texas Please attach statement
Product: Credit reporting or other personal consumer reports

I was looking at my credit report and noticed some hard inquiries that are not mine
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXXXXXX XXXX XXXX is reporting a late payment for XXXXXXXX XXXX XXXX for a 6 month consumer loan ; this late payment is not accurate and never occurred. I've disputed this multiple times, and the lender has responded by confirming the inaccurate information, and Equifax has now been publishing demonstrably incorrect information onto my credit file. 
I've attempted discussing this with them directly but nothing has resulted in them correcting the credit file or explaining why they're publishing incorrect information
Product: Credit reporting or other personal consumer reports

I don't have an active account with XXXX. However, they are improperly reporting account information on my credit, which I am refusing to pay. My credit report states the account was 30 days past due in XX/XX/XXXX. The account went from being 30 days late in XX/XX/XXXX to being closed in XXXX and XX/XX/XXXX. Then the account reports as being 30 days past due in XXXX, 60 days past due in XXXX and 90 days past due in XX/XX/XXXX. 

Aforementioned, I refused to pay the alleged debt and request that you cease and desist all further communication with me and any and ALL XXXX Parties in this regard, as required by the Fair Debt Collection Practices Act : If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer Citation : 15 U.S.C. 1692c ( 2021 ) ( b ) Communication with third parties Except as provided in section 1692b of this title, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a postjudgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector.

( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except ( 1 ) to advise the consumer that the debt collector 's further efforts are being terminated ; ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor; or ( 3 ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy.
Product: Checking or savings account

I moved from XXXX  to XXXX XXXX XXXX XXXX. Ever since coming out here I've had issues with XXXX XXXX XXXX XXXXXXXX XXXX XXXX, and a hospitality service overcharging me thousands of dollars for something I never used. I'm a 80 % XXXX XXXX veteran. And all my money I get for that is being pulled from me. I bank with Chase bank and I've made disputes with them, but they hardly ever take down what I've told them on the phone. They hang up quite a bit without reason. They say their system never works. One day it took 6 hours for me to get to someone to help me at Chase bank to clear up an issue I was having. I feel I've been taken advantage of incredibly. Chase bank has made claims your money is always protected which it's not because they don't take down what you tell them about your claim.
Product: Credit card or prepaid card

On XX/XX/2020 I added my TD bank checking account ending in XXXX to the payment method and made a payment of {$1000.00}. On XX/XX/2020 I received an email notice saying the payment was returned and I was charged a return payment fee of {$12.00}. I called immediately that night, I read the full account number to the agent to let him check if that is the number I input. He confirmed it. He can not explain why the payment was returned either. The agent on the phone helped make the payment again on his end. This time it was posted. 

In short, two payments were made with exactly the same checking account number. The first one was returned and charged {$12.00} by Target. The second went through. I have nothing wrong on my end since I input the correct account number and there is always enough balance on my checking account. The only reason for the returned payment I infer is a bug on Target website : It won't allow me to select " checking '' as the payment account type. On the " Step 1 of 4 :  Select the account type '' page, the menu only show " savings '', I think the second line should show " checking '', but it is blank and it does not allow me to select that line. This bug still exists till now. The screenshot has been attached. The agent on the phone told me that though he can not change the account time shown in my online account, he can make the payment again on his end that he can select the account type as " checking '' instead of " saving ''. And that second payment of {$1000.00} was successfully posted on both Target and my TD checking account.
Product: Credit reporting or other personal consumer reports

My accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX 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 to be removed/updated.

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 n
ot 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.

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!
Product: Mortgage

In early XXXX, after the CoVid epidemic affected the economy I, being a XXXX XXXX  XXXX, experienced a drastic reduction in income allowing me to qualify for a forbearance period with my home loan through the servicing company as allowed by New York State. My forbearance period ended on XXXX XXXX, after approx 18 mths. during the time of the forbearance, the mortgagor changed servicing companies several times. 
In XX/XX/XXXX, I sent a monthly mortgage payment to the servicing company ( XXXX XXXX XXXX ), the check was cashed. Since then, my checks for my mortgage payments for XXXX, XXXX, XXXX, XXXX, XXXX and XXXX have been returned. The reason stated is that I'm in default because I owe all the money accrued during the forbearance period to be paid in full. 
I have requested that the money owed be placed at the end of my mortgage ; I have filed loan modification paperwork with both XXXX XXXXd the new servicing company Rushmore LM, and have recently be notified that I've been denied any modification. The loan servicing company is also notifying the credit agencies of my default. My income is presently increasing each month, with this XXXX being rather successful and surpassing the last prior months. 
How can I, after being on a forbearance period for 18 mths, having a reduction of income due to mandated shut downs of businesses and the job industry, be able to pay approx. 
{$60000.00} in accrued debt? I would like to be able to resume mortgage payments, and have my existing mortgage reinstated, extended if necessary to accommodate the $ owed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I attempted to request a free copy of all 3 credit report ( XXXX, XXXX, and Experian ). I received my XXXX electronically, however the XXXX site displays technical difficulty and the Experian site states that the personal information provided is incorrect. I called the telephone number provided to order the reports by mail, providing the personal information requested on the phone, but received a letter in the mail stating that I did not provide enough information to received the report. I then mailed in the requested documents ( drivers license, utility bill, etc. ) and have yet to receive a response. 
I have tried requesting my reports several times throughout the year, both free and paid for, and the credit bureaus are making it increasingly more and more difficult to access the report online ( requiring you to sign up for credit monitoring to access the report ). 
I pull my free credit report each year and do not want to be required to sign up for unnecessary services to pay for a copy. I to date have been unable to get the free copy of my XXXX and Experian reports. Please advise on accessing reports as often as I choose without the monitoring service. Thank you. 
P.S. - I have a user ID and password for each bureau, which still does not allow me to pull a report without signing up for the monitoring service.
Product: Credit reporting, credit repair services, or other personal consumer reports

As of XXXX, 2020 I was put on a COVID relief program that ensured I would not be impacted by loss of income nor pay any fees related to a lay-off. Capital One confirmed and sent me a letter stating that I would be on a forbearance for 3 months with no credit reporting until then. The next month, XXXX, 2020 they did so anyway. After contacting them they basically said get over it were not correcting this because we updated all COVID-19 agreements with everyone and changed it without notice. I should have got a new agreement aside from my initial one.
Product: Credit card

I know I make my payments on time, so its confusing why this company is marking me late. Per USC 1666b, billing errors need to be corrected, and my account should reflect " paid as agreed. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report appears to have been corrupted. I was looking through my records once more when I discovered a lot of information, accounts, and other things that did not belong to me. Due to my meticulous study, I discovered that you are required by law to erase and block any accounts or information that are determined to have been opened as a result of identity theft under section 605b of the FCRA. I do not own the objects in dispute. I've attached the necessary FTC Report for your records and the bank 's. Remove these files immediately : XXXX. XXXX XXXX XXXX XXXX : {$0.00} Date Opened : XX/XX/XXXX XXXX. XXXX XXXX XXXX : {$7500.00} Date Opened : XX/XX/XXXX. If you believe there is a chance that these accounts belong to me, I will need all supporting documents bearing my signature ( according to another research item I discovered, you must confirm each account is 100 % true, accurate, correct, complete, and VERIFIABLE ). Please be aware that I will take legal action if you don't offer any records while saying the item is verified. Both my attorney and I do not enjoy gaming. Therefore, abide with the law so that this situation can be resolved quickly.
Product: Credit card

Attn : Legal Department Subject : Demand for Full Accounting Disclosure and Rectification of Erroneous Reports To Whom It May Concern : Pursuant to the requirements set forth by the Generally Accepted Accounting Principles ( GAAP ) and the Uniform Commercial Code ( UCC ) Section XXXX, I hereby formally demand the full, accurate, complete and transparent comprehensive accounting of the T-balance ledger for the account associated with my source data held with your company and/or any of its affiliates. This request encompasses records of all debits and credits associated with my account, along with detailed documentation of any and all securities connected to the account, including the CUSIP number ( XXXX ). It has come to my attention that the accounts receivables linked to my profile/account with your company have been converted, transferred and conveyed to a trust as an asset-backed security, and pledged as collateral for cash and beneficial interest per your company 's XXXX, XXXX, XXXX and XXXX Prospectus reports filed with the Securities and Exchange Commission ( SEC ), which American Express openly admits . This trust has subsequently pledged these assets as collateral and sold them for cash and beneficial interest. Given these transactions, it is imperative that I receive full transparency regarding these activities as they directly impact my financial standing. Furthermore, I want to inform you that your companys Legal Department, Board of Directors, and Executive Team have previously been served with legal documents concerning the aforementioned account. This correspondence serves as a reaffirmation of the legal scrutiny currently surrounding the management of my account. I must also insist that any and all fraudulent or erroneous reporting of my account details to consumer reporting agencies be immediately retracted, suppressed, and correctly updated to reflect current and good standing in perpetuity. The continuous dissemination of incorrect data is not only defamatory but also inflicts emotional distress and numerous other personal injuries. The sustained inaccuracies in reporting are contributing to ongoing damage to my character and personal reputation. Please consider this letter as a formal demand for immediate corrective action. Failure to comply with this request will compel me to pursue further legal action to protect my interests. I expect a response to this demand by fifteen ( XXXX ) days from the receipt of this complaint, confirming that the necessary documentation and corrections will be provided. Your prompt attention to this matter is not only expected but required.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently found a billing issue when I reviewed my credit report. Under U.S. 15. Code 1666 ( b ), billing errors include the creditor 's inability to accurately reflect a statement, a payment made by the debtor, or a credit line given to the debtor, as well as any computation errors or other accounting errors on a statement. As far as I'm aware, the creditor did not send me a statement 21 days prior, thus there shouldn't be any late payments on this account. These are definitely billing issues and I demand to see precise proof from the creditor 's bank account that I failed to pay and was deemed past due. The contested accounts are listed below. 
XXXX XXXX Balance Owed : {$12000.00}
Product: Credit reporting or other personal consumer reports

Please remove the following Fraudulent hard inquiries from my credit report : The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 
XXXX XXXX XXXX XXXX  TransUnion XXXX XXXX XXXX XXXX XXXX  TransUnion XXXX XXXX XXXX XXXX XXXX  TransUnion XXXX XXXX XXXX XXXX XXXX XX/XX/year> TransUnion XXXX XXXX XXXX XXXX XXXXXX/XX/year> TransUnion Here I attach, along with the dispute, my fraud report that I just sent to TRANSUNION for the second time so that these questions can be removed, hoping that this time this problem will be completely resolved. I demand that the above inquiries be deleted from my credit file because they are causing irreparable harm to my name and good character as well as my overall credit capacity
Product: Vehicle loan or lease

XXXX coverage not paid back to me even after over payment made each month and loan paid off.
Product: Credit reporting, credit repair services, or other personal consumer reports

Inquiries on my report I did not authorize
Product: Debt collection

I asked for verification of debt. I was only provided with an update with a letter with the amount and account number. I went online to confirm or pay the amount, and the message stated that there isn't a balance. I provided my account number and verified my name.
Product: Debt collection

American credit accept inquiry XXXX removal date XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC Zip code XXXX XXXX have connected them to remove this inquiry off my credit because I don't recognize this being on my credit I never did any business with this place I want it to be removed.
Product: Mortgage

My second mortgage with BSI Financial Services was transferred to XXXX Mortgage. This debt was discharged in my Chapter XXXX bankruptcy in XXXX. BSI has it listed twice on my XXXX report ( attached ). They have correctly listed it as " Bankruptcy Chapter XXXX '' on the first listing..but on the duplicate they show " 120 days past due '' and show XXXX late payments of 150 days late or greater from XXXX of XXXX through XXXX of XXXX. This is two years AFTER the debt was discharged in bankruptcy. 

I have already disputed this with XXXX and they left the item on the file. This is a violation of the Fair Credit Reporting Act AND the stay provided by my Chapter XXXX bankruptcy in XXXX.