23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I am writing in regards to my current loan with Freedom Mortgage Company. Freedom Mortgage Company purchased my original loan with a correct estimated escrow amount of {$140.00} per month for county taxes. They were provided with this information for the escrow from the previous lender who showed the {$140.00} per month escrow amount value for my loan. Upon being contacted by Freedom Mortgage Company advising me of an option of refinancing my loan, I agreed to go through with the refinance. When I completed my refinance, my new loan then had an estimated escrow amount of {$43.00} per month. The average county tax for a townhome in my area is estimated to be around {$1400.00} per year. It was not until I received my recent statement in XX/XX/XXXX, that I first noticed a shortage in my escrow account, as my payment had increased by {$290.00}. I had not received any previous correspondence from the company advising me of this. I then had to call them to get the escrow shortage letter forwarded to me via email. After further review I called the company again advising them of the mistake that was made, I was told I could only dispute in writing and nothing else could be done. I have sent an email to the company 's Customer Care unit as directed. I have been told a response can take up to 30 days. Instead of my escrow estimate being based on the correct county tax amount of {$1400.00} per year it appears that the county tax amount used was based on the pre-construction value of my home. The {$1400.00} per year is the tax assessment value that should have been used when calculating my refinance.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act. The list of accounts below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX open date XX/XX/XXXX. 

XXXX XXXX open date XX/XX/XXXX. 

XXXX XXXX open date XX/XX/XXXX. 

15 U.S.C 1681 section 602A. States I have the right to privacy.

15 U.S.C 1681 section 604A section 2. Also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681C ( A ) ( 5 ) section states no consumer agency may take any consumer report containing any of the following items of information and/or any other adverse idea of information, other than records of convictions of crime which indicates the report by more than 7 years. 15 U.S.C 1681S-2 ( A ) ( 1 ) a person shall not furnish any information related to a consumer through any 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 wanted to remove my credit card number from Experian.com. There is an option to change your credit card but no option to delete your account. Additionally when I changed my password, I discovered that their online security is very weak. 

I expect much more from Experian
Product: Debt collection

The debts have been paid off to Caine and Wiener Company Inc Last XX/XX/2020 but still showing on my credit report
Product: Mortgage

On XXXX of this year, while the sale of our prior home was still pending, my wife and I closed on our current residence, and entered into a mortgage that we understood would be owned or administered by Branch Banking and Trust Company ( BB & T ). It was our intention to use the bulk of the funds from the sale of our old home once received to reduce the principal balance on our new one. Wanting to keep some funds in reserve, and knowing we would soon make a major principal reduction, we only put 10 % down on our new home, and accepted that we might have to pay PMI for a few months. Our closing documents indicated that we could eliminate PMI by reducing our LTV below 80 %. Our old home sold, and on XX/XX/2016 we made a principal reduction payment on our current mortgage in the sum of {$110000.00}, which by BB & T 's own calculation brings our LTV to 60.3 %, and on that date in conversation with BB & T 's mortgage service center personnel, requested PMI be removed. That request was rejected, and we were told that a history of 24 months of timely payments on the mortgage was required under BB & T " policy '', irrespective of the fact that we were now significantly below 80 % LTV. Following that verbal conversation, we received a letter ( unsigned ) from BB & T dated XX/XX/2016, confirming BB & T 's position. 

We have requested the removal of PMI in writing, have made all mortgage payments from the inception of the loan on time, and have reduced the LTV to 60.3 %. The property has not declined in value in the short time since we closed. We believe that BB & T 's refusal to remove PMI from our mortgage, and refund any PMI payments held in reserve, is contrary to the provisions of the Homeowners Protection Act of 1998, and note that BB & T 's stated policy of requiring 24 months of payments regardless of LTV, is not permitted under the Act, as expressly stated in CFPB Bulletin 2015-03.
Product: Debt collection

Threatening to garnish wages, harassing and rude phone calls, threatened to sue, threatened to seize personal property, my house. Company only calls. I have not received any correspondence by mail with any details of the alleged debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attached a copy of the account that is reported incorrectly. The Affirm account is reporting late 30 days on XX/XX/XXXX then 90 days late XX/XX/XXXX. This can not be possible! I know my rights as a consumer! I also have disputed this numerous times, but to no avail it has not been changed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a dispute letter to Experian on XX/XX/15 regarding charges for XXXX XXXX. I was NEVER seen on the dates listed and disputed the charges. The collection company has failed to send documentation signed my ME showing this was me because AGAIN I WAS NEVER there. During the dispute Experian confirms this was verified and this continue to remain on my credit report. This is not correct and need to be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Called company to have removed from report/ XX/XX/2017, XX/XX/2017 XX/XX/2017, XX/XX/2017. 
Also have two or three addresses on my report that I never lived at as well.
Product: Bank account or service

Yesterday I brought my bank, Wells Fargo a check from a major financial investment company. I was taking funds from an investment account to put in my WF account. It was n't some personal check from nobody. it was verifiable funds from a major company. I told the bank manager I am ONLY depositing this IF you can make some of the funds available to me immediately! If you ca n't, I am going to another bank and opening an account. She was wonderful, personally handled the deposit and made a small portion of the funds available in my checking account immediately. 
IN THE MIDDLE OF THE NIGHT, Wells Fargo pulled ALL those funds back!!! I called the bank manager and she told me there is nothing she can do about it! How is it possible that I saw the funds available in my account for 12 hours, I have a receipt that shows them available and a bank manger personally handled the transaction and now THEY TAKE THE FUNDS BACK and put a HOLD on them!
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 Credit Bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX Balance : {$460.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 

We've talked to the bank & they've agreed to remove the accounts. BUT TransUnion has some internal block which they're claiming they can use to not block the accounts because they feel they're above the law. When questioned why they're not accepting the Identity Theft report they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the Identity Theft report ( which is a FEDERAL LAW ). So TransUnion feels they're above the letter of the law & will not explain their policy... 
XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

These companies ran my credit multiple times and i didn't receive anything for it. 

XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

XXXX   XXXX ,  2017 , I mailed the Annual Credit Report Request Form  to Annual Credit Report Request Service i n  XXXX , Georgia.   I have received my credit report from  XXXX  and  XXXX . I have not received my Annual Credit report from Equifax.   Today is  XXXX   XXXX ,  2017 . I pulled up EQUIFAX website and chatted with someone. They gave me  XXXX . It asked to press  1  if I wanted to complete a survey after the call. I pre ssed 1 and  then "  XXXX  '' answered the phone. He asked questions to confirm my identity. He was very rude and kept interrupting. I would ask him a questions and he would not answer them and simply reply that I would be sent a copy of the report in the next 15 days.    XXXX  also stated he did not have it in his system that a report has been requested. He gave me confirmation #  XXXX  said it is in the way and hung up.   The system did not allow me to complete the survey.     Does it take 30 days to get my report? I tried to do it online, however, it said I did n't answer a question correctly and stated I had to request it in writing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I see false or misleading representations on my credit report. There are several accounts that I see listed on my credit report inaccurate and inconsistent. I written the bureaus several times but have not heard back anything from them regarding my dispute letters I sent months ago. I can't dispute online so I came here, my only resort. The following accounts need to reported correctly XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

Originally in XX/XX/2023 the Rental Car Agency XXXX from XXXX XXXX, tried to charge us for some inexistent repairs to the car we've rented but we had taken pictures of the car around prior to renting it and after we've returned the car. When the XXXX XXXX discovered our version with the proof of the pictures, they voided the charge in our CITIBANK Credit Card, however, CITIBANK it's refusing to remove the charge and they are still trying to charge me and have given me a negative report on my immaculate credit history. We have been fighting CITIBANK for over a year, but going nowhere with them, they cut my phone line after I've been spending long times dealing with Customer Service. It's a shame.
Product: Debt collection

Can't remember date but everyone was paid and they refuse to remove it causing me hardship and problems
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize XXXX XXXX  to pull my personal credit score 10 times, they were using my social to verify my identity not put XXXX point decrease on my score
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAD A DEBT CONSOLIDATION COMPANY ASSIST ON PAYING THE ACCOUNT. PROOF OF SETTLEMENT WAS OBTAINED AND FORWARDED TO THE CREDITOR AND CREDIT BUREAUS ON THREE OCCASIONS WITH 40-60 DAY WAITING PERIODS IN BETWEEN EACH INQUIRY. 

THE ACCOUNT REMAINS ON MY CREDIT REPORT, REFLECTING AN OWED AMOUNT ( IN SOME BUREAUS ) AND CONTINUES TO AFFECT MY CREDIT STANDING EVERY MONTH. PLEASE INFORM THIS CREDITOR THAT IF THIS MATTER IS NOT RESOLVED WITHIN A REASONABLE TIME, AFTER THIS CORRESPONDENCE IS RECEIVED, I WILL FIND MYSELF WITH NO OPTION BUT TO PURSUE THIS LEGALLY.
Product: Vehicle loan or lease

I was excited to get a car. And I got a truck for {$8000.00}. The interest rate is 29.99 %. I am having a hard time making the payments with the high interest rate and the balance never goes down. I spoke with Equitable Finance, and they told me that my wife needs to get a job. I am a XXXX male and we have XXXX children. I do not want my wife working and childcare would be more expensive than what she could make. I ask for a lower interest rate and they said no. I am 17 days late on my payment and they turned my truck off. Now I can not work. Equitable Finance told me on XX/XX/XXXX that I should get a job at XXXX 's to pay my bill. And they did not care about my values in my XXXX community
Product: Credit reporting or other personal consumer reports

I am writing to you as the holder of credit card account number XXXX  Account # XXXX to report an issue negatively impacting my credit report that appears to be in violation of the provisions of 15 U.S. Code 1666b, as well as other relevant sections of the Fair Credit Reporting Act ( FCRA ). 

According to 15 U.S. Code 1666b, creditors must send periodic statements, including all information required by section 1637 ( b ), at least 21 days before the payment due date. This requirement ensures that consumers have sufficient time to receive, review, and make necessary payments without being unfairly penalized for late payments. 

Additionally, the FCRA, specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files. 

I have identified that the statements for my credit card have not been delivered in compliance with these requirements, resulting in the appearance of late payments on my credit report. This non-compliance has adversely affected my credit score. 

I formally request that you investigate and correct any inaccurate information related to these late payments on my credit report. Below are the details of the affected payments : XXXX Account # : XXXX XXXX. Late Payments in Payment History XX/XX/XXXX : o TransUnion : OK ( on-time ) o XXXX  : 60 Days Late o XXXX : XXXX ( on-time ) XX/XX/XXXX : o TransUnion : OK ( on-time ) o XXXX : 30 Days Late o XXXX : OK ( on-time ) XXXX reports incorrect late payments for XX/XX/XXXX ( 60 Days Late ) and XX/XX/XXXX ( 30 Days Late ), while TransUnion and XXXX show " OK '' ( on-time ) XXXX This inconsistency indicates possible errors in XXXX 's reporting. 
2. High Credit Discrepancy High Credit : o TransUnion : {$1200.00} o XXXX  : {$1200.00} o XXXX : {$0.00} XXXX incorrectly reports the High Credit as {$0.00}, which contradicts the other two bureaus. 
3. Last Reported Date Discrepancy Last Reported Date : o TransUnion : XX/XX/XXXX o XXXX  : XX/XX/XXXX o XXXX : XX/XX/XXXX XXXX reports an earlier " Last Reported Date '' compared to TransUnion and XXXX, indicating that XXXX 's information may not be up-to-date. 
4. Date Last Active Discrepancy Date Last Active : o TransUnion : XX/XX/XXXX o XXXX  : XX/XX/XXXX o XXXX : XX/XX/XXXX XXXX reports an earlier Date Last Active ( XX/XX/XXXX ), while TransUnion and XXXX show dates in XXXX. 

I would appreciate your prompt attention to this matter to rectify any errors in my credit report. I am willing to provide any additional documentation necessary for your investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Accounts from my credit report as well as update the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$3800.00} XXXX XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$95.00}.
Product: Credit reporting or other personal consumer reports

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

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

I demand the late payment reported in those account to be removed.

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

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


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

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

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

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

I declare under the penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best if my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C 1621. This collection found within my credit report is not related to any transaction that I made. I am alleging that a person or company, without my authorization, used my personal identifying information to apply for goods, services or money ; and, obviously was pretty successful in creating some accounts. All is being investigated by the FTC.
Product: Credit reporting or other personal consumer reports

I am writing to file a complaint regarding multiple unauthorized inquiries on my credit report, all dated XX/XX/year> : GLOBAL LENDING SERVI XXXX XXXX XXXX XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX inquiries ) XXXX XXXX XXXX Despite numerous attempts to contact these companies for clarification and resolution, I have received no response. These inquiries were made without my knowledge or consent and have adversely affected my credit score. 

Under the Fair Credit Reporting Act ( FCRA ), these companies are legally obligated to remove any inaccurate information from my report. Failure to comply can result in legal actions and penalties. 

I kindly request an investigation into these fraudulent inquiries and their immediate removal from my credit report. 

Thank you for your assistance.
Product: Mortgage

Unlike in the US, about 90 % of the customers that have mortgages do not bring a hazard insurance policy to the closing, thus the bank affiliate place the hazard insurance. Last XXXX an insurance company started offering a policy directly to the client offering a 20 % cash back if there were no claims on the hazard policy. A lot of clients have decided to purchase this policy. However since the hazard policy is paid from the escrow account, altough the client has chosen the new policy, Banco Santander Puerto Rico has declined to follow the clients order. And instead of paying the policy chosen by the client, they pay the policy that they had on file, which most of the time is to their insurance affiliate. The order of the client is signed electronically with the e-sign program. The bank excuse for not paying the policy is that they are waiting from their legal derpartment to see if they can accept the electronic signature. Since XXXX Banco Santander has said theat they are waiting from the legal department. We are now in XXXX and they are still providing the same excuse. Meanwhile Banco Santander is using the money in the escrow to pay their subsidiary and not paying the policy chosen be the client, thus depriving the customer of getting the 20 % cash back.
Product: Credit reporting or other personal consumer reports

Experian, is reporting several fraudulent XXXX accounts on my credit. These creditors never reported late or current payments on my credit report. Up to recently these accounts begin to appear on my credit report. I would like these account blocked and removed from my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX, of XXXX, in XXXX, Connecticut, MAKE OATH AND SAY THAT : XXXX. XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX  have willfully repeated to damage my consumer credit year in and out for over XXXX years. They have violated many of my consumer rights as well as federal laws and cfpb laws. 
XXXX. XXXX XXXX violated the following Federal laws 12 USC 1431- no bank can loan me anything they are borrowing from me 42 USC 408 -Asking/using my social on any extended credit, pre approval or loans is a federal crime being there is no lawful money.

UCC 3-104 - Willfully and illegally used my negotiable instrument in the extension of credit to be paid to me.

15 USC 1602g - I the consumer am really the creditor!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am in disagreement with the negative items listed on my credit report even after investigation..I requested for an investigation because the accounts do not belong to me..The accounts which appear on my credit report, does not relate to any transactions that I have made. It is the result of identity theft..So CFPB remove XXXX XXXX XXXX, XXXX XXXX XXXX  ( duplicate on my credit report ), XXXX XXXX ( duplicate on my credit report ), XXXX XXXX XXXX ( duplicate on my credit report ) XXXX XXXX XXXX ( showing duplicate on my credit report ), XXXX XXXX  ( multiple entries on my credit report ), XXXX XXXX XXXX XXXX  ( multiple entries on my credit report ) , XXXX XXXX  ( showing multiple entries on my credit report ), XXXX XXXX XXXX XXXX, XXXX XXXX ( showing duplicate on my credit report ), XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX ( showing duplicate on my credit report ), and Chapter XXXX Bankruptcy XXXX