23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Was notified late of escrow payments increasing for calendar year XXXX but their math does not make any sense, and I have filed a separate complaint. Called them today to request escrow reanalysis. Rep on the phone transferred me to a " tax specialist '' who asked me to tell them what the property tax should be in XXXX  on my home so they can just punch in whatever number I tell them and hold me responsible. 

I am not a tax expert- why was I asked to do this? I asked them to explain the analysis to me and they could not. I went to the XXXX XXXX tax assessor website and in XXXX  the max rate is 1 % and my assessed property value has dropped this year - my tax reservation on escrow can not physically increase more. 

I told them what I as a non " tax specialist '' thought was the max amount, 1 % of the assessed value as per my state law. They should be able to manage this, and if they are a tax expert but are recalculating my escrow ( which takes so long they did not in fact furnish me with the results- why are they unable to get the right amount? 

My loan was sold to them, I don't want to do business with them to begin with - but why can they not get this right, and why am I being held responsible for them arbitrarily raising my mortgage payments?
Product: Mortgage

I applied for an XXXX XXXX XXXX XXXX XXXX  and I was approved. I was notified by the state that the amount that I was approved for was up to {$25000.00} and they were said to pay that to Penny mac in XX/XX/XXXX. At that time I owed over {$17000.00} Penny mac and the state both verify the amount with me but when it came time for the state to pay the actual amount because Penny mac saw the amount coming they said I was not in arrears anymore and the state program denied me. But I wasnt paid up and I have been working since XX/XX/XXXX trying to straighten it out with the state. The state blames Penny mac Penny mac blames the state Penny mac told me that the state had everything so messed up that they were sending {$200000.00} payments to single people and they were having to sort out the money to distribute it properly and that with all the money the banks were given as a bail out and the state was given to help us out Penny mac told me that they only service XXXX families from the state of Illinois program. So now Im really curious where did my money go that I was approved for because now they said I was denied because I owe more than the grant amount. I certainly wouldnt if my grant was paid on time because I was qualified for it at the time and the only thing that disqualified me was the fact that Penny mac said they saw the money there and that I was no longer in arrears. Anywhere that Ive worked my life if I made that big of a mistake I wouldve been fired and I dont really care if Penny mac wants to point the finger at the state or vice versa I want the money that I requested and was approved for dont think its fair that Im slipping between the cracks. I had a similar problem with XXXX XXXX because they werent in their office and didnt sign for my package that I sent on time in XX/XX/XXXX they denied me and now I have to start over from scratch which means that any backpay is no longer available I have XXXX XXXX XXXX XXXX and XXXX XXXX and Im really tired of getting the runaround and hope somebody reads this and understand the situation. I could not possibly be the only one that the state miss handled funds with. If you cant help me please help other people and keep an eye on our crooked state programs. If I didnt get the amount I was approved from where did it actually go?
Product: Checking or savings account

XXXX XXXX,2020 {$1500.00} and XX/XX/2020 {$230.00}. I file a dispute with my bank for unknown charge not authorized by me, they gave me a provisional credit and months later they took the money out again and my account went overdraft, i have send documents to the bank to appeal the decision since i have not authorize those transaction and its been over a month and no answer from my bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

The reason Im writing this letter is to dispute my most recent late payment. This is my Walmart account. Because my account was set on Autopay, I had no idea my account was past due. I was not informed that my Autopay would be cancelled. Because the bank XXXX XXXX cancelled my autopay I was never properly notified. Im very upset with this reported late on my credit report as this was late through no fault of my own. I was with CapitalOne many years ago and I had a negative experience. I said I would never bank with CapitalOne again. However, my Walmart account as switched from synchrony bank to CapitalOne. I assumed that my autopay would stay on and had no idea that my autopay would be cancelled. As a result my credit report is showing late Please Im asking CapitalOne to do the right thing and update my credit report to show a 100 % paid on time.

Please update my credit report to show 100 % paid as this was not my fault and I find it completely unfair that because Walmart switched banks that I should be penalized. I understand that when switching companies on such a large institution that there may be  oversights. But Ive worked very hard on my credit and for my first experience with CapitalOne to be a negative experience is frustrating.
Product: Debt collection

I received a letter stating I have until XX/XX/22 to dispute all or some of the debt and if i do so in writting collection attempts will stop until info is sent showing i owe the debt. As of XX/XX/22 This debt collector illegally added it to all 3 credit reports. I have called their number several time during this period and I never get to speak to anyone and no one ever returns my calls.
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus but I never received a response from them. These accounts must be validated by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX Balance : {$370000.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXX Balance : {$14000.00}.
Product: Debt collection

I.C. System is illegally reporting my private information to an uninterested third party/public agency without my authorization, and attempting to illegally collect a debt. I am requesting full deletion of the information being reported on my Consumer Report as well as the balance showing on any accounting ledgers associated with any derivation of my name which is my private DBA.

Please make note of the following discrepancies I will litigate/enforce if this is not removed from all collection efforts and accounting ledgers : 1. The alleged obligation must be referred to the United States for collection of said obligation [ per 18 USC 8 ], not to me.

2. This reporting has not been permitted or ordered by any court, and is consequently being done in violation of [ 15 USC 1681b ]. Any agreements alleging to give permission to report or furnish a report are hereby rescinded for reason of a mistake being made under duress. 
3. The debt collector has no wet ink signature of mine showing any agreement to any obligation to engage with me for any reason. They do not have permission to have acquired my location information or any other pieces of Personal Identification Information. Any alleged permission obtained by my signature is hereby rescinded for reason of a mistake being made under duress. I do not wish to contract with I.C. System for any reason and revoke any alleged or implied agreements made on my behalf without my knowledge or consent.

4. The This is an official notice to cease and desist collection and communication attempts, and a request to delete all of my information completely from their internal record keeping systems, and any reports made by them in whole, on all applicable Consumer Reports.

Any failure to comply with this request will result in further Administration and Enforcement of federal regulation.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to 15 U.S.C 1681 states that CRAs are required to report only accurate credit reports and exercise the consumer 's right to privacy. 15 U.S.C 1681 subsection ( A ) ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

These consumer reporting agencies are in violation, of which, 15 U.S.C. 1692g ( a ) - Notice of Debt { Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing }. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt. 

I contacted them multiple times but I never received any response yet, which violated my rights on 15 U.S.C 1681N and 1681O for their willful and negligent non-compliance.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

I have written several times disputing the XXXX XXXXXXXX Hospital bill and it isn't being removed. I asked them to verify that I am the financial party whom signed the documents to be financially responsible for this bill and I am not that party yet these bureaus keep reporting erroneous items. I am not the party that is responsible for paying anyone 's bills but my own. If they would look at the signatures they will see for a fact I am not the responsible party. Made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA this item should have been verified as incorrect and deleted but the bureaus has yet to comply.
Product: Debt collection

There is a collection account on my credit profile that I have no knowledge of. I do not know who XXXX XXXX XXXX is or why they are trying to collect money from me. I do not have a signed contract with XXXX XXXX XXXX. I have never contacted them. They have never contacted me. I do not owe them. I do not know why this company is attempting to collect. This is adversely affecting my credit worthiness and I need XXXX XXXX XXXX to remove this immediately.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. XXXX XXXXXX/XX/XXXX has violated XXXX XXXX XXXX 

I looked at my Experian credit report on XX/XX/2024 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, 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. 
and according to 15 USC 1681s-2 they are suppose to 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.
Product: Student loan

Called to get student loan refund under CARES Act XX/XX/XXXX. I was told I would receive confirmation or updated balance within 4-6 weeks. I called them again XX/XX/XXXX and was told it could take weeks or months longer. There is no accurate timeline given and no progress in refund process. Other service providers are processing within 4-6 weeks.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, a bankruptcy was filed and subsequently discharged. On XX/XX/XXXX, I sent a formal dispute letter to XXXX regarding incorrect reporting of this bankruptcy. As of XX/XX/XXXX ( 64+ days later ), XXXX has failed to respond or investigate as required by FCRA XXXX 

Key violations : 1. No response within mandatory 30-day investigation period 2. Continued reporting of disputed information without verification 3. Failure to conduct reasonable investigation 4. Violation of FCRA sections 15 USC 1681i and 1681c-2 Supporting facts : - Court letter confirms they do not report to credit bureaus - Dispute sent via certified mail on XX/XX/XXXX - No investigation results received - No correction made to report - No communication received from XXXX, XXXX and Experian - Credit report still shows incorrect information This ongoing failure to investigate and correct has negatively impacted my credit profile and violates multiple FCRA requirements for proper dispute handling and investigation procedures.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to get this issue fixed for almost an entire year. 

TransUnion has failed to fix this issue. This is my 3rd time reporting this as well. The 3rd party credit report, XXXX XXXX has my credit score about 50 points less than it should be due to the inaccuracies TarnsUnion has in the database. 

The credit card that I hold from XXXX XXXX XXXX XXXX is not on my credit report accurately. 

It does not display as OPEN and is hurting my credit report dramatically! 

Id like for TransUnion to fix this issue!
Product: Student loan

I am refiling this complaint because my last CFPB complaint did not resolve my issue. Please note that this has nothing to do with my request to change my due date back to the XXXX of each month or my complaint about the accrued interest on my loans under the XXXX plan. According to studentaid.gov, the application I submitted recertifying my income for the XXXX repayment plan on XX/XX/XXXX, is in review. Yes, you read that correctly. A request from XX/XX/XXXX, is purportedly in review. Documentation is attached. This request was submitted to my former loan servicer, XXXX XXXX, according to studentaid.gov. I frankly do not see how this can be. XXXX processed this XX/XX/XXXX, request on or about XX/XX/XXXX. Documentation is attached. XXXX ceased being my loan servicer as of XX/XX/XXXX. My loans were transferred to MOHELA at that time. I called Federal Student Aid to inquire why my request from XXXX is supposedly in review. A representative informed me that only MOHELA can close the case. Yet, MOHELA told me that it can not access the request. I have since switched from the XXXX repayment plan to the XXXX  repayment plan. Documentation is attached. My XX/XX/XXXX, recertification does not need to be in review. Rather, this matter needs to be closed as it has long since been resolved. Please do not tell me to contact studentaid.gov : I have filed various complaints on studentaid.gov regarding this issue to no avail. I am frankly tired of the runaround. Please do not keep telling me that MOHELA can not access this request on its system. And please do not keep telling me that MOHELA has processed my XXXX plan request : I am well aware of this. Someone needs to contact studentaid.gov and tell them to close my XX/XX/XXXX, request. This issue needs to be fixed forthwith. I will continue to file complaints with the CFPB against MOHELA without end until this issue is fixed. Please carefully review the attached documents.
Product: Debt collection

Thunderbird Collection Agency is contacting me thru my work number during work hours. This collection debt they are demanding payment for has been discharged through bankruptcy. Besides the debt is my daughter, which was a minor at the time of service and they are trying to now contact her for payment as well. They are harassing her at her place of work and contacting her biological father at his place of work. This company is and their so called " mangers '' are mean, demanding and unpleasant. They do n't let you ask any questions about what they are calling about. They demand payment immediately or credit will be destroyed. They also have my phone number tied up with family member accounts. They are n't even my accounts that they are demanding payment for. They are sharing my information of where I work along to other family members of mine which I DO NOT want them to have. I do not want others to know where I work or my work number. I do not want my daughters work numbers given out to others or our medical bills discussed with just anyone that they can get a hold of on the phone that they think will either pay or give out more information to use against me to pay a debt that has been charged off. Also, we did n't just file bankruptcy and walk away from everything. Our bankruptcy was a merely {$37000.00} and we have paid back and still are through our attorney almost {$14000.00}. We did n't just walk away, we do n't deserve to be harassed at our place of work. We 're trying to make money to pay our bills not be harassed by this company just to lose our jobs for their relentless, mean and vicious phone calls. This is unthinkable behavior. They are all liars when we call them back to try and get some answers or try to discuss the situation with them. They either yell and demand payment or just hang up on us.
Product: Credit reporting or other personal consumer reports

This notice is to inform you that you unlawfully reported fraudulent accounts that arose from IDENTITY THEFT that you did not verify as required by law on my consumer report. 15 USC 1681b ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) Information regarding inquiries ; Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. The Following accounts attached in my Identity Theft affidavit are a result of Identity theft and was not initiated by me, I demand that they are DELETED immediately : See attached IDENTITY THEFT AFFIDAVIT
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The Equifax and XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX Balance : {$25000.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance {$25000.00} XXXX XXXX XXXX Balance XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed these fraudulent accounts and inquiries on my credit reports and I've disputed them several times with the companies and XXXX, Equifax and XXXX and they are still stating these are mine without properly verifying. Please remove the following fraudulent accounts and inquires immediately, thank you. 

Account Opened Amount 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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2023 I notified consumer credit reporting agency Chexsystems that there was a new negative item added improperly to my consumer Chexsystems report. This was negative item added by XXXXXXXX XXXX  on XX/XX/2023. I sent a letter in writing mailed to Chexsystems in which I disputed the new negative item as a result of unauthorized charges being done on my XXXX XXXX checking account including an identity theft victim assistance notice I was sent my XXXXXXXX XXXX and forwarded that document to Chexysystems in writing via US Postal Mail in XX/XX/2023. In XX/XX/2023, Chexsystems responded by stating they verified the item belonged to me and it would remain in my Chexsystems report for 5 years. I responded again explaining this item was placed as a result of identity theft and unauthorized charges and they should remove the negative item. I also asked for proof of their investigation.. whether that be proof these charges and negative item was authorized. I stated if they failed to provide signatures and documentation showing this was not identity theft they are required to delete the item from my consumer Chexsystems report. Chexysystems is continuing to violate my rights under the Fair Credit Reporting Act ( FCRA ) by not providing documentation or proof that shows this item is not identity theft. Chexsystems is also violating my rights under the FCRA by not sending me the proper proof that meets the guidelines in the FCRA to me in writing.
Product: Credit reporting, credit repair services, or other personal consumer reports

A plethora of things on my account is incorrect, unverified and unauthorized. I took every step possible to prove that the accounts and inquiries are unknown and unverified for me.
Product: Credit reporting

I submitted information to Equifax at which they failed to respond to my investigation request. I filed a civil lawsuit against them because under the FCRA they are required to respond to my request within 30 days. They never responded to my request. On XXXX/XXXX/2015 I was awarded a judgment against Equifax in the amount of XXXX. XXXX for the fine and XXXX for court cost. I have been unsuccessful with getting a resolution from the company on the phone. I spoke to someone on Tuesday XXXX/XXXX/2015 and they advised that they would call me back in 24hrs. As of today, I have not been called back. I find it unfair that Equifax add negative information on one 's credit report once they receive it, but when someone disputes the information, they fail to respond. I also find it unprofessional of them not to adhere to a judgment. I have uploaded all the documentation that showing my request for investigation on my credit report along with certified mail and documentation that was provided from the court and a copy of the judgment.