23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

On XX/XX/XXXX I sent several tax bills to AmeriHome Mortgage Company so they could be paid through my escrow account. On XX/XX/XXXX an AmeriHome Mortgage representative responded acknowledging receipt of the tax bills. There has been a withdraw from my escrow account for " taxes '' but the local tax collector shows that they have not been paid. I requested help on AmeriHome 's website with the live chat feature. The chat representative told me that they would send me tax payment confirmation via email within 24 hours. I have not received any additional communication from AmeriHome Mortgage.
Product: Credit reporting or other personal consumer reports

The XXXX XXXX Personal Credit Cards never change and they are showing higher balances then they are hurting my credit. This is to be updated monthly on the XXXX of the month and doesn't update. 
Please reach out to XXXX and ask them to update this card information. Keeping my scores down. 

XXXX Link card name|What 's this? 
Balance {$9000.00} Balance updated XX/XX/2024 2024
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Transunion 2 hard inquiries were falsely register on my credit report. 

XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX {$0.00} XXXX XXXX XX/XX/2022 {$0.00}
Product: Credit card

Chase XXXX XXXX XXXX offered a Rewards special over the XXXX XXXX in which they would offer XXXX 's reward points for home improvement purchases within a specific time period for up to {$10000.00}. I made home improvement purchases within the specified time period as follows : {$220000.00} on XXXX/XXXX/XXXX, XXXX on XXXX/XXXX/XXXX, {$2100.00} on XXXX/XXXX/XXXX, {$4300.00} XXXX/XXXX/XXXX. The purchases for XXXX and XXXX are concert work and I used convenience checks. I was told because I used convenience checks they did n't qualify after the purchases were made. There were no disclosure telling me this prior to use or I would have just used my card to earn the points. My statement also says a cash adv. was taken during the month of XXXX statement, for {$340.00} and I was charged {$4.00} in interest and {$430.00} on XXXX/XXXX/XXXX. I never taken a cash advance on any card! The purchase of XXXX on XXXX was made with via credit card over the phone. The purchase of XXXX and XXXX were made via convenience check and immediately paid off that same month. After the appropriate reward point credits did n't appear on my account after 6-8 weeks I called Chase ( approximately XXXX XXXX. ) and the Rep. stated the purchases should have qualified and she was n't sure why they were n't credited but that she thought the promo was only for XXXX points ( this is inaccurate ). She stated she would forward my account to the Reward team for research. I think received a letter a week or XXXX later stating the purchases did n't qualify. I am very upset as concrete work on my garage floor and exterior painting are certainly home improvement purchases. I feel like the reward advertising is deceptive and abusive as I specifically used my card for these purchases to earn the promised points, to no avail. Had I not been offered this reward promotion I would have just paid cash or used another reward card. I am also upset as there is not a means to see itemized point application for the rewards earned. It makes it nearly impossible to tell if Chase is awarding the appropriate points for each qualifying purchase. I would like my account credited for the improper fees I was charged and the points I am due for my purchases that qualified per the advertisement. This is my top of wallet card, if my account is not made whole I will be cancelling my card and switching to a competitor. I am very disappointed in Chase.
Product: Credit reporting or other personal consumer reports

I am writing to formally notify you that despite previous correspondence and documented proof of communication, you have not complied with my request. Pursuant to the Fair Credit Reporting Act ( FCRA ), the Fair and Accurate Credit Transactions Act ( FACTA ), and the Fair Debt Collection Practices Act ( FDCPA ), I assert my right to dispute inaccurate information currently reflected on my credit report. It is my expectation that a thorough investigation into my claims be conducted promptly. I have already escalated this matter to the Consumer Financial Protection Bureau ( CFPB ) and the XXXX XXXX XXXX ( XXXX )  in order to seek their intervention and assistance in resolving this issue. Copies of this communication will also be forwarded to the Federal Trade Commission ( FTC ) for their records. Reasons for Dispute : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Upon submitting a complaint through the CFPB I was given a response from The Money Source that is unsatisfactory. In the documentation submitted The Money Source made an error and the solution to this error is presented in a way in which me ( the borrower ) is stuck with 100 % financial responsibility even though I did not make said error. I am seeking an resolution in which both parties can find. I called The Money Source on XX/XX/2021 and spoke with customer support personnel to discuss the matter and was told quiet firmly that there was no other option other than to resolve the shortage created by the escrow department with The money source in either 24 or 36 months. I felt strong armed into an agreement to keep my payment up to date as my mortgage payment is due today. They expressed no desire to discuss a way to resolve this matter in a way that does not put 100 % financial responsibility for a error on their part on their customer. I can only infer from the conversations had by myself that The Money Source does not wish to discuss terms that would be good for their customer to the customer themselves. I can also wonder of this is how I am being treated in this instance, how are other customers treated who feel as if they are being forced to do something unfair to keep their home.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has furnished incorrect information on my credit report. I have tried to resolve the issue several times via phone and letter correspondence. At this point they are in violation of three FCRA laws. Last letter sent was by certified mail on XX/XX/2022. Please see attached for letter, invoices and proof of delivery confirmation. This inaccurate information has caused irreputable damages and each violation is a recoverable fine of {$1000.00} dollars.
Product: Credit card

Chase advertised their XXXX XXXX XXXX XXXX  users can earn XXXX points and transfer it to their travel partners. XXXX XXXX is one of them. However, I am not able to transfer it to XXXX, I have even trying to resolve this issue for past couple month. Every time when I call or send them text, only response I get from Chase is that my issue is transferred to related department. This had been now almost a month.
Product: Credit reporting or other personal consumer reports

This is my 8th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 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

I have repeatedly asked EXPERIAN to provide Method of verification of a public record bankruptcy and accounts included on my credit report. Ive mailed them several copies of a letter from the Michigan us bankruptcy court stating that they do not report to credit bureaus or third party credit agencies. I also provided a letter from XXXX stating no bankruptcy found. They breaking all FCRA laws and I need your help please to get bankruptcy remove and all accounts included in bankruptcy. Thank you. 
XX/XX/2019 XX/XX/2019 XX/XX/2019
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : XXXX # XXXX Account Name : XXXX # XXXX UNAUTHORIZED INQUIRIES : 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 XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Debt collection

Regardless of the multiple written requests, the unverified account listed below is still reporting on my credit report in violation of federal law. The XXXX, XXXX and XXXX Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with NATIONAL CREDIT SYSTEM, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Date Opened : XX/XX/2019 Balance : {$3300.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX 2015 and XXXX 2015, I paid my mortgage but Seterus is reporting a 150+ days late on my credit reports. This was during a trial payment plan in regards to a loan modification.
Product: Credit reporting or other personal consumer reports

To Whom It may Concerm According to the provisions of the Fair Credit Reporting Act ' 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be reinvestigated or deleted from my credit record within 30 days. During the investigation period, these items must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. I am also requesting the names, addresses and telephone numbers of individuals you contacted during your investigation. 


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

I have been disputing since XX/XX/2020, an unverified account that's been reporting on my credit report. I never got a response back from the bureaus or any notice that they were investigating my request or even trying to validate it! I sent another dispute on XX/XX/2020 and still, yet again, have not received anything from any of the bureaus validating or investigating this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have viewed my consumer report account XXXX # XXXX and noticed that your company is in violation of law under 15 usc 1681 b- permissible purposes of the consumer report The Law clearly states subject to subjection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Did I give you written instructions to furnish this account on my credit report? 
Furthermore 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a credit report clearly states : ( a ) EXCLUSIONS-Except as provided in paragraph ( XXXX ) the term consumer report does not include - ( A ) subsection 1681s-3 of this title, any- ( i ) report containing information solely as to transactions or experiences between consumer and the person making the report : Delete the above account from my consumer report, this agency is in violation of 15 USC 1681. 

Also inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX needs to be removed from report .I did not give written instructions or authorize this account on my report! This is violation of 15 USC 1681 b
Product: Credit reporting, credit repair services, or other personal consumer reports

Inquires that I didn't authorize on my credit profile
Product: Credit reporting

XXXX XXXX/XXXX/XXXX Oil And National Credit Cards XXXX XXXX/XXXX/XXXX Medical And Health XXXX XXXX/XXXX/XXXX Oil And National Credit Cards XXXX XXXX XXXX/XXXX/XXXX Miscellaneous And Public Record XXXX XXXX XXXX/XXXX/XXXX Banking XXXX XXXX XXXX/XXXX/XXXX Miscellaneous And Public Record XXXX XXXX/XXXX/XXXX Miscellaneous And Public Record XXXX XXXX NA XXXX/XXXX/XXXX Banking XXXX XXXX XXXX XXXX/XXXX/XXXX Medical And Health XXXX XXXX XXXX/XXXX/XXXX Banking XXXX XXXX XXXX XXXX/XXXX/XXXX Oil And National Credit Cards XXXX XXXX NA XXXX/XXXX/XXXX Banking XXXX XXXX/XXXX/XXXX Oil And National Credit Cards XXXX XXXX XXXX/XXXX/XXXX Banking XXXX XXXX XXXX/XXXX/XXXX Oil And National Credit Cards XXXX XXXX XXXX/XXXX/XXXX Banking
Product: Credit card or prepaid card

Navy federal closed my account after I spoke with a representative before the account was closed regarding Covid and maternity leave. Representative explained to me that I would be able to pay minimum payment but in return my account was closed a day after payment stating the payment was late and sent back but both payments were made.
Product: Credit reporting or other personal consumer reports

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

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 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 than 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

I never signed up for this reoccurring package on the Experian App. I have dealt with this 2 months in a row and they need to cancel it- it is going to over draw my account.
Product: Credit reporting or other personal consumer reports

There are unauthorized inquiries that are unlawfully being reported on my credit report. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ExperianXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

I do not have any calls from you, also 1 of the accounts is deleted so that is inaccurate. I reported the inaccuracy of the debt and asked to verify that as there was no accurate information about the debt. ALSO " Written Notices in Communication : Hospitals are required to provide you with a specific notice before transferring a hospital debt to a debt collector. This notice will include a copy of an application for free or reduced care under that hospitals policy. In the first written communication with you, debt collectors must also send you a copy of this notice. " Which is another thing that was missed. You can contact me to delete these accounts.
Product: Checking or savings account

When I have money in my account and purchase something else like gas or food, I check again and then I have a negative account. Then I receive an overdraft fee to either my checking or savings once my checking arrives.
Product: Debt collection

Heres the updated CFPB complaint : Subject : Follow-Up Complaint : Inadequate Debt Validation from Transworld Systems , Inc .

Description of the Issue : I am filing this follow-up complaint against Transworld Systems , Inc. regarding their continued failure to provide proper validation of an alleged debt they are attempting to collect from me. 

On XX/XX/year>, Transworld Systems sent me a letter claiming to validate the debt. However, the materials provided consisted solely of several XXXX XXXX billing statements. These documents do not meet the legal requirements for debt validation under the Fair Debt Collection Practices Act ( FDCPA ) and fail to demonstrate : 1. Proof of ownership or assignment of the debt to Transworld Systems, including a sale or assignment agreement from XXXX XXXX ; 2. A full accounting or itemization of the debt, including how the balance of {$1000.00} was calculated ; 3. A signed contract or agreement showing my obligation to pay XXXX XXXX the alleged balance ; 4. Compliance with state-specific debt collection laws, particularly under Texas law XXXX 

The billing statements provided are insufficient to substantiate the debt. Additionally, there are multiple discrepancies regarding the balance amounts. For instance, my credit report shows a balance of {$860.00} for XXXX XXXX, whereas Transworld is attempting to collect {$1000.00}, which includes unexplained fees. This further raises questions about the accuracy and legitimacy of the debt. 

Despite my formal dispute and request for proper validation, Transworld Systems has failed to address these concerns. This ongoing failure violates the FDCPA, which requires collectors to provide sufficient evidence of the debt when requested.

How the Issue Affects Me : 1. I am being pursued for a debt that has not been properly validated. 
2. This collection is causing harm to my credit, as XXXX XXXX has reported the account as open with an {$860.00} balance. 
3. Transworlds inadequate validation efforts create confusion and distress, as they have failed to demonstrate their legal right to collect. 
4. As a military spouse, this situation places additional financial and emotional stress on my family. Debt collection practices targeting military families are subject to heightened scrutiny under laws like the Servicemembers Civil Relief Act ( SCRA ) and Military Lending Act ( MLA ).
Product: Student loan

I 've had both the amount and the due date of my student loan arbitrarily changed. No prior notice was given that the amount nor due date would be changed. I was simply notified that I was ALREADY 45 days late! 

Previous notices tell me I owe {$270.00} on XXXX XXXX, 2016, but then mail notices in XXXX 2016 tell me I am 45 days late on the amount of {$1200.00}! 

Since the amount and due dates keep changing **without explanation*** I therefor need, first & foremost, to have communications in writing so I can have documentation of what arbitrary changes are made WITHOUT prior notification. 

I have emailed Heartland / ECSI and they replied that they canceled the the inquiry because : " To safeguard your account specific information, security measures do not allow ECSI to respond to your question/inquiry via e-mail. However, we will be more than happy to help you through our Live Chat portal or via telephone at XXXX. '' That safeguards THEM from me getting proof in writing of what they said! It does NOT protect ME! 

I need : 1 ) email communication so I can document their harmful & arbitrary changes to my account. 
2 ) I also need explanation as to what they heck they are doing & why they keep changing the amount due & the due date. 
3 ) I also need to know how they are calculating my interest & when it is due. 

Thank you for your help, XXXX XXXX XXXXXXXXXXXX
Product: Mortgage

Cfpb disappointed in your level of service & support of XXXX, XXXX borrowers like myself. On two separate occasions I have FILED COMPLAINTS with CFPB identifying REAL complaints against specialized loan servicing. Complaint # XXXX & # XXXX for XXXX # XXXX. The LOAN business & financial products ARE full of biases AGAINST XXXX NOT too mention the XXXX XXXX XXXX XXXX WHICH practice XXXX XXXXXXXX XXXX XXXX XXXX XXXX. 
These issues WHICH I brought to your attention HAVE not been " FIXED '' IN XXXX NOR in XXXX. This complaint process is little MORE than a red flag for companies LIKE XXXX  XXXX XXXX whom issued ( me ) a XXXX XXXX loan on XXXX. Then began increasing INTEREST RATE & Payment in XXXX. Only two years after modification began. In XXXX, I was provided a LOAN modification with the SERVICER SLS loan XXXX & new payment WAS too begin on XXXX for {$910.00}. Instead of this payment AMOUNT which I agreed too, my payment was @ least {$1100.00} per month & I made new complaint # XXXX. The company ( SLS ) MAILED a letter in XXXX, XXXX agreeing to " Resolve '' issue in ( 15 ) business days. YET, XX/XX/XXXX I am filling a NEW complaint. 
Instead OF ONLY filling this complaint WITH your organization I WILL be ALSO contacting the XXXX XXXX XXXX too notify them of my displeasure. Again, my XXXX complaint servicer should NOT have been able to increase my payment for @ least ( 5 ) years NOT 24 MONTHS. SECOND complaint with CFPB notified them if A {$200.00} per month increase on agreed upon payment & SLS agreed to resolve in ( 15 ) business days of XX/XX/XXXX. Issues STILL not RESOLVED. DOCUMENTATION TO FOLLOW.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called XXXX XXXX, and PennyMac my lenders for my my mortgages asking for a forgiveness. I was in a really bad spot for about 2 years and got behind on my mortgage. I paid everything up and is current now. Could they please forgive me on some of my late payments since they are caught up now. This is hurting my score tremendously and Im trying to get credit now and I cant. Please review my payment history. Im begging for a second chance.