23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

XX/XX/2018 made a call to our mortgage company Pacific Union Financial regarding the increase in our monthly payment.  There was no communication to my husband and I that the current mortgage payment would be increased nor were we provide a letter with the option to either pay off the escrow shortage or roll into the current mortgage payment.   Pacific Union rolled in to the monthly payment which increased the monthly payment by $XXXX,  not a big deal however an explanation as to why would be appreciated.We reached out the lender to find out why the escrow shortage and why there was no communication. The two individuals we spoke to were not engaged in our issue nor did they seem the least bit concerned regarding our fustration.  The customer service was very poor and I felt like my husband and I were bothering them by even calling. When we made our XXXX payment Pacific Union referenced they were pending XXXX payment due to the increase. There was NO communication to this until I received my XXXX statement for XXXX payment.   When I called to speak to the Pacific Union I referenced we wanted to pay the shortage. They indicated it would be $XXXX which we paid so our credit was not affect as both my husband and I have excellent credit.  My concern is not one individual we spoke to at Pacific Union could explain why my escrow was short besides the fact my taxes for my property increased.  I did not receive any letter referencing any increase and when I followed up with my tax collector for our property it was indicated the taxes did not increase by $XXXX.   My complaint is I do not understand why our escrow would be short by $1,000 plus dollars when my monthly payment reflects escrow payment of roughly $600.  I want an explanation of the difference.  The issue is not the increase of the payment the issue is the lack of communication for the difference.   I asked to speak to a manager but was told the manager was unavailable to speak to me.  I am asking for a breakdown of the escrow to understand why the difference in the $XXXX.  I have read other complaints regarding Pacific Union and there seems to be a few regarding the lack of customer service as well as escrow account concerns.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian updated report with information they recieved from creditor for false balance and reported line of credit over limit. Creditor states balance never over limit, statement not processed at time of bureau update and to follow up with bureau. Bureau continues to state dispute already placed any time I need to make a dispute on this line of credit. Provided bureau photo support of statement showing never over limit.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

XXXX and Experian are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared ( 15 USC 6801 ). The below mentioned companies are financial institutions, and have furnished my personal information to the consumer reporting agencies. 
- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' The above mentioned financial institutions and the Consumer reporting agencies XXXX and Experian do not, nor did they ever, have my consent to furnish this information and they surely do not have my written consent. 
15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' The above mentioned financial institutions never informed me of my right to exercise my nondisclosure option.

15 USC 1681C ( a ) ( 5 ) states, Except as authorized under subsection ( b ), 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. '' There are several adverse items within the reports furnished by XXXX and Experian, WHICH IS AGAINST THE LAW. The adverse items include collections accounts, charge offs, and/or delinquent accounts. Charge offs are considered certificates of indebtedness, which are qualified as income by law and CAN NOT BE REPORTED. 
15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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.

15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and Experian are not maintaining reasonable procedures.
Product: Debt collection

On multiple occasions I contacted Procollect and sent receipts of payments made to the original creditor and Procollect said they will not honor those payments. I sent the contact information of the original creditor and they still will not resolve this matter. 

The amount in question was {$1100.00}. As a result we have been denied a mortgage and credit cards. 

This has been going on since XX/XX/2016.
Product: Credit reporting or other personal consumer reports

I demand verifiable evidence bearing my signature/electronic signature. This letter asserts my consumer rights under the Fair Credit Reporting Act, specifically Section 605B ( 15 U.S.C. 1681c-2 ) and Section 604 ( 15 U.S.C. 1681b ). I have contacted the relevant companies and found these actions were initiated without proper validation or original documentation from any of the reporting entities.

I am writing to formally dispute certain inaccurate and fraudulent information that appears on my credit report. This information was placed on my report as a result of identity theft. Under FCRA 605B ( 15 U.S.C. 1681c-2 ), I request that the fraudulent accounts listed below be blocked from my credit report immediately.
Product: Debt collection

Dispute of Debt and Demand for Contractual Proof I am writing to dispute the validity of the debt you are claiming I owe. I have never entered into a contract with your company or the original creditor. 

I believe this reporting may be in violation of the Fair Debt Collection Practices Act ( FDCPA ). Specifically, the collection agency has failed to : Provide validation information : As required by 12 CFR 1006.34 ( b ) ( 5 ), the collection agency has not provided the necessary information to validate the debt, including the amount, the original creditor, and the date the debt was incurred.

Allow me to dispute the account : In accordance with 12 CFR 1006.34 ( c ) ( 4 ) ( i ), I have not been given the opportunity to dispute the debt within the required timeframe.

Refrain from furnishing false or misleading information : The collection agency 's actions in reporting this account without proper validation and disclosure constitute false, misleading, and deceptive practices.

Comply with disclosure requirements : Under 12 CFR 1006.34 ( d ) and 15 USC 1681-S2 ( 7 ) ( A ), the collection agency is prohibited from furnishing any account to a consumer reporting agency without providing all required disclosures.
Product: Credit reporting, credit repair services, or other personal consumer reports

I traded my VW Beetle in for a VW Passet on XX/XX/XXXX. XXXX told me that they would pay the last two remaining payments on the VW Beetle. I received a bill in XX/XX/XXXX for the VW Beetle. I called VW Credit and XXXX. They told me not to worry that they were handling it and that it would n't show up as a late payment on my credit report. I then received another bill from VW Credit in XX/XX/XXXX. This time I drove down to the dealership ( XXXX ) and spoke with accounting. I also called VW Credit. I was told that they were n't sure what happened, but apparently they had some type of accounting error. I was again reassured that my credit would n't be affected. My wife checked my credit report and saw that VW Credit did in fact report a late payment for XX/XX/XXXX and XX/XX/XXXX to XXXX as well as XXXX. I drove directly to the dealership and was told they would handle it. Finally, after two months ( XX/XX/XXXX ) they cut me a check, in which I turned around and paid VW Credit that very minute. I called VW Credit three different times speaking with XXXX and then again a XXXX requesting a letter showing the mistake made on their part and requesting that they notify the credit reporting agencies correcting and removing the two late payments. I finally received a letter from VW Credit on XX/XX/XXXX stating they would do so. My credit report still shows the two lates payments for XXXX and XXXX. These two late payments need to be corrected and show paid on time. Not to mention they also showed the VW Beetle on my credit report as if I still owned it for those two months when it had already been resold to someone else. This has adversely made my Fico score plummet all because of an accounting error?!! I kept being reassured that my credit would n't be affected.
Product: Credit reporting or other personal consumer reports

I checked my credit report again last night and there are still some inaccurate accounts showing up there. I don't know why it's still there but I want it remove immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit act MERCHANTS CB XXXX Account XXXX XXXX, has violated my rights. 15 U.S.C 1681 section 602 A States I have a right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Mortgage

In XX/XX/XXXX my adjustable rate HELOC mortgage with XXXX was modified to a principal only loan at 0.0 % interest for 240 months, and the payment was to be {$590.00}. This continued in XX/XX/XXXX when XXXX became the servicer of the loan with nothing changing, {$590.00} @ 0 %. This again continued when in XX/XX/XXXX XXXX XXXX XXXX took over, maintaining the terms of the modification contract. In XXXX of XXXX I was informed by letter that Newrez/Shellpoint would take over the loan and that all account numbers and that " Your mortgage terms WILL NOT CHANGE as a result of this migration. '' ( the same as XXXX and XXXX ) and from XXXX to XX/XX/XXXX everything was fine. In XXXX of XXXX I received another letter from Shellpoint stating the same thing again! But on my XXXX statement I noticed that the APR had been changed to 8.75 %! I immediately called Shellpoint and discussed the issue with a representative and was told that they would investigate the issue. But my XXXX statement showed the same interest rate ( 8.75 % APR ) and a finance charge of {$450.00}. The latest letter I received was to inform me that my XXXX payment of {$610.00} was past due, and included a threat to report the nonpayment to the credit bureau. I have called twice more and talked to XXXX XXXX and XXXX XXXX, asking why this hasn't been fixed. XXXX said I should pay the new amount ( {$1000.00} ) due by XX/XX/XXXX but I informed her I would continue to pay the $ XXXX that I had been paying for the last 12 years! I want this mess fixed, I have paid the {$1000.00} to protect my credit, but I want it returned to me! I HAVE ALL THE DOCUMENTS AND STATEMENTS FOR THE LAST 15 YEARS TO BACK THIS UP IN COURT!!! I have made all payments on time, I have a near perfect credit rating. I want my rate returned to 0.00 % for the remainder of the term/contract, with a payment of {$590.00}.
Product: Credit card or prepaid card

I have no dental insurance so my dentist suggested that I get care credit through XXXX XXXX I was told that it was six months interest free but then I got slammed with charges right away for any bills under XXXX I was not aware of these terms then after the six months I was slammed with so much interest Im not able to pay off the actual loan I tried to contact the company and they told me I didnt know what I was talking about I feel like Im being scammed. I need something done about this company.
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. XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 then records of convictions of crimes which antedates the report by more then 7 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. These are Fraudulent accounts and need to be removed from my Credit Report.
Product: Credit reporting, credit repair services, or other personal consumer reports

in XX/XX/XXXX my house was broken into. i filed a police report then and i contacted the bureaus that someone was using my personal information to open up fraudulent accounts in my name. A person by the name of XXXX XXXX open up a credit card XXXX for the amount of {$8200.00} dollars i reported this to the police in XX/XX/XXXX and this problem has continued as of today. XX/XX/XXXX i have sent the bureaus certified police reports to support my request and they still have done anything in regards to me being a victim of Identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a public record entry that was placed on my credit report and I have been trying for over 5 months to get this entry removed. I have spoken with numbers representatives, supervisors, and managers in regards to the erroneous public record and I have yet to get it resolved. This is my 4th dispute in which I am currently awaiting results. On XX/XX/XXXX, I called and spoke with a representative and inquired how XXXX verifies their public records. I want to know this information because the public record keeps coming back as mine. I had 3 representatives that told me that the request/dispute is sent as a message to the courthouse through XXXX. Once the court verifies it, the information is sent back to the credit bureau. I advised that I would like to cancel that dispute and they advised that because the dispute was already sent to the courthouse, I will need to contact them with my name and the case number. Being that I work for a XXXX XXXX, I know the court system and their procedures, but decided to call anyway. 
Contacted the court and they advised that they do no disclose, release or verify any information with the credit bureaus or any 3rd parties. I decided to call XXXX  back, spoke with another rep this time and they advised that the information is verified by the runner who goes to the court house. I asked what information does the runner give to the courthouse, and how and what kind of physical information does the runner give back to the credit bureau. They could not answer that, and I requested to speak with the manager. Manager advised since this is a re-investigation, no runner is involved. She advised that they use a form that they send over to the courthouse. I asked what type of form and where is it sent because the courthouse confirmed that they do not verify any information with the bureaus. XXXX  refuses to give my physical documentation ( whether tangible or electronic ) that they use to verify this bankruptcy is mine.
Product: Payday loan, title loan, personal loan, or advance loan

In XX/XX/XXXX, I co-signed for a personal loan for my step son XXXX XXXX. with One Main Financial. The loan amount was originally {$17000.00} but after fees charged by this company the loan ended up being about {>= $1,000,000}. Besides my co signing, the company also required that my step son put up the title to his automobile. He signed over the title to get this loan. 
The company ( One Main Financial ) required that this auto be insured with Full Coverage Insurance for the entire length of this loan. Our loan payments were {$650.00} per month. I paid that amount every month until about the middle of XXXX. At this time my Step Son chose to have the auto insured by the auto insurance company owned by the loan company One Main financial. This decision increased our monthly payment to {$760.00} per month. I paid that new amount for the loan and the full coverage insurance supplied by this loan company. 
In XX/XX/XXXX, this auto used as collateral was stolen. We contacted the loan company. They in turn sent us the required documents to file a claim with the insurance company. We filled out the required forms along with an actual Police report provided to us by the XXXX Police department. All of this documentation was submitted by the middle of XX/XX/XXXX. 
On XX/XX/XXXX, the insurance company informed the local office that they were indeed going to pay the loan off. They requested that the local office send them the title submitted by my step son to close out this case and again pay off this loan. 
TODAY IS XX/XX/XXXX, OVER XXXX MONTHS AFTER THE INSURANCE COMPANY REQUESTED THIS TITLE AND OVER XXXX MONTHS SINCE THIS AUTO WAS REPORTED STOLEN AND THE PAPERWORK SUBMITTED TO THE INSURANCE COMPANY. The insurance company is still waiting for the title from the local office. 
On XX/XX/XXXX the DMV of Pennsylvania sent the title of this auto the the local loan office. the local office says they cant find it " IT MAY BE LOST OR WENT TO THE WRONG OFFICE '' But through it all they keep threatening, harassing and badgering me to keep making these {$750.00} payments. I keep asking them why are you still requesting that I keep paying this loan when clearly it is in the hands of the insurance company. They tell me i have to wait for them to order ANOTHER TITLE BECAUSE THEY CAN NOT FIND THXXXX XXXX XXXXVIOUSLY SENT by the DMV. I ask why am I being punished for their losing this document, They say that's just the way it is. 
I believe they have the Title and they are just taking advantage of me to get as much money as they can get. I did what was required by me. I paid the extra money for the insurance. They even made me keep paying for this insurance after the car was stolen. I have paid 3 monthly payments since this car was stolen. Approx {$2300.00} and they are still asking for more with no end in sight. They could have me pay this loan for the next year and there is nothing I can do about it '' Please advise ....
Product: Checking or savings account

After reading docket XXXX, I reached out to Bank of America for information and to see if my account had been affected. There were only automated responses and when I called to speak to someone, the customer service representative said they would note in my file that I called and someone would contact me to review the issue, that was in XXXX of XXXX, I never heard back from anyone. I since went through all of my bank statements dating back to XXXX to review the NSF fees that were charged to my account and not reversed. From reading the consent order for this matter, it seems that BOA should have contacted all affected customers and paid back these fees, however I have not heard from anyone from BOA and was not notified that this money would be returned. It is a substantial amount of money that is owed. How do I obtain information on the status of this order?
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive always kept up with my credit report and ensured I made responsible decisions with my credit. Im still in disbelief that someone was able to take out car loans and credit cards in my name. Losing my job due to the pandemic, my identity being stolen, my credit greatly impacted, and my family passing away due to COVID-19 has impacted me heavily. Please help me get my life back.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian say I have 21 late payments on XXXX  XXXX  with XXXX. I file a bankruptcy. I should have 21 late payment in my credit history.
Product: Credit card

I disputed a charge in the amount of {$570.00} to XXXX XXXX XXXX on XX/XX/XXXX. This amount was for a ac/heater service plan for maintenance in the spring/summer and fall/winter. I filed the dispute on XX/XX/XXXX after trying for months to contact XXXX XXXX XXXX to have our ac/heater maintenance completed. 

I provided all of the information to Capital One. On XX/XX/XXXX Capital One closed the dispute saying I was responsible for the charges. When I spoke with them on XX/XX/XXXX I was advised it was clear by my documentation that I did not receive the services, however, I did not file my dispute timely therefore it was closed. 

I asked at least XXXX times for the representative to point to the section in my service agreement that provided dispute filind deadlines. She was not able to do so. She only pointed me to this page https : //www.capitalone.com/help-center/fraud-disputes/dispute-credit-charge/ This page states the following : If you can not reach a resolution with the merchant, your best chance of resolving the dispute through Capital One is to file a claim within XXXX  days of the date of your billing statement. Let us know as soon as you can so we can dispute the charge on your behalf. 

I advised this statement does not say you are required to or your claim will not be reviewed. It states your " best chance. '' I asked how I was supposed to dispute a service in XXXX  days if the service wasn't supposed to be provided for months. She said well that's the policy. No that isn't the policy. 

I wish for Capital One to review my dispute and credit back accordingly as they are in agreement that the services where never received and not hide behind a policy that does not seem to exist
Product: Debt collection

I had an account with XXXX and they sold it to the collection agency without my permission and now the collection agency Credence is calling everyday after I told them not to.
Product: Credit card

Credit Card Charge Dispute Discover Case Number : XXXX Merchant Name : XXXX Dispute Amount : {$210.00} XXXX Billing XXXX ID- XXXX Order Place : XXXX, XX/XX/ XXXX PDT Order Canceled : XXXX, XX/XX/XXXX XXXX  XXXX PDT
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX - Sent letters to XXXX, XXXX, and Experian disputing an inaccurate chapter XXXX bankruptcy reporting to my personal credit report. 

XX/XX/XXXX - XXXX, XXXX, and Experian responded stating the chapter XXXX bankruptcy inaccurately reporting to my credit report was verified XX/XX/XXXX - I requested method of verification from XXXX, XXXX, and Experian. 

XX/XX/XXXX - XXXX  has deleted the inaccurate chapter XXXX bankruptcy, Experian has the dispute currently under review, and XXXX has not responded to my method of verification request.