23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Im filing a complaint against the mortgage company, Caliber Home Loans. 

There are two parts to this complaint : ( A ) Im being wrongly accused of owing Caliber Home Loans $ XXXX dollars in escrow shortage costs, and ( B ) Caliber Home Loans has wrongfully dinged my credit score for a late payment that never happened since I was set up on automatic payments. 

- Last week - on XX/XX/XXXX - I called Caliber Home Loans and spoke to a representative about the sudden increase in my upcoming XX/XX/XXXX mortgage statement. The representative was unable to explain to me why the escrow amount increased in my upcoming mortgage payment, nor provide evidence to explain why there was a XXXX escrow shortage ( especially when my current escrow balance on XX/XX/XXXX indicated a positive XXXX amount ). 

On top of this, when I spoke to a different XXXX Home Loan loan officer about a refinance on the same day, I discovered XXXX had not only miscalculated my current escrow dues ( and upcoming dues ) but they also dinged my credit score for a late payment back in XXXX XXXX which shouldn't have occurred since I've had automatic payments set up for that loan completed in XX/XX/XXXX. 
- I've had a total of 3 loans with Caliber Home Loans since XXXX. In reviewing the attached documents, all 3 of my loans had a similar county tax and insurance cost. As a homeowner exemption, my tax per {$1000.00} net is {$6.00}. Caliber is Home Loans is paying double that AND trying to charge my escrow. 

Caliber Home Loans is also charging me for windstorm insurance which was not included in my estimated escrow and closing disclosure at the time of my refinance. XXXX was also not included in my previous 2 loans with Caliber Home Loans. 

My escrow should be paying county taxes of ~ {$4900.00} for the full year or 2 payments of ~ {$2400.00}. My current escrow balance should be nearly {$2000.00} if they ( XXXX XXXX paid the correct amount of insurance and taxes. 

On the Caliber new quote document provided for my upcoming mortgage statement, you can see the previous year where they claimed to pay county tax and windstorm insurance which is where the " shortage '' comes from. 

In all three loans with Caliber, I've had ACH auto payment setup with Caliber - but for some reason they didn't set it up until XX/XX/XXXX on my current loan. In the documents attached, you will also see that they charged me three payments at once in XX/XX/XXXX and then dinged my credit in XX/XX/XXXX.
Product: Mortgage

XX/XX/XXXX XXXX XXXX XXXX I am writing to place on record and request relief from Selene Finance for not using reasonable procedures to assure maximum possibility of accuracy, unfair and predatory practices, and releasing inconsistent information. 
On XX/XX/XXXX my loan was transferred from XXXX XXXX XXXX XXXX XXXX to Selene Finance, XXXX XXXX XXXX, XXXX, PA XXXX. Approximately 1 month after the transfer Selene Finance reported a late payment and accessed a {$33.00} late fee. Thereafter, Selene Finance has placed a {$33.00} late fee each month on the account. After speaking with representatives to rectify the issue I received no relief. Selene Finance periodically sent a representative to the property to place a piece of paper on the door with a phone number to call Selene Finance at a cost of {$23.00} which was charged to the account. During XXXX  I acknowledge that some payments were late and expressed via phone and in writing to Selene Finance that I would like to resolve any legitimate late fees. Selene Finance refused to waive any fees, conduct a true account analysis or set up any type of plan. Instead, I was instructed to apply for a loan modification. Thereby, Selene Finance failed to use reasonable procedures to assure maximum possibility of accuracy. 
The loan was originated in XX/XX/XXXX and was established without an escrow account. Each year homeowners insurance and taxes have been paid by the owner. XXXX of homeowner insurance is sent every XXXX to Selene Finance by the XXXX broker ( XXXX XXXX ) and the homeowner submits the receipt for paid taxes at the beginning of each year. Per Selene Finance representatives the company has internal procedures to check tax rolls for unpaid taxes. Yet, In XX/XX/XXXX, Selene Finance attached an escrow account and raised the mortgage payment. Again, many phone calls have been made to the company to no avail. Selene Finance continues to show the account as being past due and continues to access late fees for a current total of {$1100.00}. In conducting these unfair and predatory practices Selene Finance places the property/homeowner in jeopardy of foreclosure. 
Selene Finance is reporting all past due payments including those that are erroneous to Credit Bureaus which charges them with releasing inconsistent information. I would like a complete analysis done on the account and all late fees based on erroneous and uncorroborated information removed. I would like to request that the escrow account and fees associated with it that was erroneously placed be removed from the account. I would like all credit bureaus that Selene Finance reported negative information to be removed as the negative reporting have been detrimental to homeowners credit standing. 

Kind Regards,
Product: Credit card or prepaid card

As technology improves, so should the written policies of a bank. The worst feeling is making the person who owns the account feel like a criminal. XXXX would NEVER treat me the way CITI treated me. I tried making a large dollar transaction requiring an activation code. The phone number associated with my account was an old phone number I no longer use. I called to have my phone number updated to make the purchase. I was asked questions that were not indicative of my identity. I answered my name, social security number and security word. They wanted me to remember a change I did XXXX months ago. I no longer have a Citibank account. They asked me if I had Citi cards and the only cards I was able to confirm were XXXX XXXX and XXXX. This was not good enough for them. This was not sufficient as they wanted me to wait XXXX to XXXX days for a letter with an activation code. I am unable to use my card. I have been a good standing customer since XXXX. I am upset they flagged my card when I continued to give them information to confirm I was the account holder. I even logged into my XXXX account to confirm my banking statement. They were not willing to work with me to assist. I hopped from XXXX representative to the next. They were not willing to take my complaint. After XXXX hours I finally got an address to submit my complaint to. Because the representatives were out of the country, it was hard to understand them as the volume was extremely low on their end. They never tried to verify my address. I gave them so much information as old phone numbers and previous addresses as I moved in XXXX ; hence why my info was not updated then COVID happened. Very difficult to deal with even as a long time customer.
Product: Credit reporting or other personal consumer reports

The Privacy Act of 1974, as amended, provides safeguards against unwarranted invasions of privacy by establishing a code of " fair information practices. Secondly, inaccordance to 15 USC 6802 states we can opt out of anything. That law clearly states that I have the option to opt out of anything and companies are supposed to sendthis to us every month and I never recieved one from XXXX XXXX XXXX XXXX XXXX ( XXXX ) and or XXXXXXXX XXXX  According to the Fair Credit Reporting Act 15 USC 1681 section 602a states " There is a need to insure that consumer reporting agencies exercise theirgrave responsibilities with fairness, impartiality, and a respect for the consumers rightto privacy. Your company is in clear violation of the law, under 15 U.S. Code 1681b permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) INGENERAL Subject to subsection ( c ) any consumer reporting agency may furnish aconsumer report under the following circumstances and no other : ( 2 ) In accordancewith the written instructions of the consumer to whom it relates. Did I give you writteninstructions to furnish all the above accounts on my credit report? Furthermore, theFAIR CREDIT REPORTING ACT 15 U.S. Code 1681 ( 2 ) ( a ) ( i ) Exclusions from aconsumer credit report clearly states : ( 2 ) EXCLUSIONS Except as provided inparagraph ( 3 ), the term consumer report does not include- ( A ) Subject to section1681s-3 of this title, any- ( i ) report containing information solely as to transaction orexperiences between the consumer and the person making the report ; As statedabove, delete the above late payments AND account statuses from my consumerreport, this agency in in violation of 15 U.S. Code 1681.
Product: Student loan

On XX/XX/2020 I made my monthly payment. I paid extra money on that date expecting it to go to the principle of the loan I targeted. On XX/XX/2020 I noticed it all went into interest. I called them on XX/XX/2020 and was told it has to go to interest. I explained it shouldnt and I paid it on the day due so it would all go to principle. I then asked for a reimbursement of the extra money paid and was told it couldnt be unless the whole payment was reimbursed which would mean I didnt pay for the month.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific information 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 nor authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/2022 XXXX XXXX XXXX XXXX, GA XXXX XX/XX/2022 XXXX XXXX XXXX XXXX, GA XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX A XXXX XXXX XXXX XXXX XXXX, GA XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I purchased a bed through XXXX XXXX  and was financed through Wells Fargo. I called and was told my first payment was due on. I then set up automatic payments through my bank which made weekly payments. I have made every payment and paid {$14.00} {$.00} a month extra on each monthly payment Wells Fargo then stated to me I had missed the first payment and has charged me {$220.00} interest over the past year. On two separate times I have called Wells Fargo and thought the matter was resolved but to this day my very first payment which I was told to make I made there saying was the month prior mind you I paid {$15.00} a month more than what the payment was due every month no late payments other than the very first one they say I miss which I did not and they have been charging me interest and that ever cents where is the {$15.00} a month extra I pay gone I should be months and months ahead of the Bed payment nonetheless I paid the {$220.00} because they have messed up my credit as I am trying to purchase a home to the veterans and they have messed my credit up. I not only do not all this money and its shameful yet to clear my credit up. I had to pay it so I can try to move forward with the veterans administration to fix my credit score so I qualify for my loan. Please help this is not fair. Once you look at my payments, Ive made every payment on time every week except for the very first payment that they said I was to pay when I was told to pay that on a certain date the next month, please help
Product: Mortgage

For the last year to XXXX  months, I have been forced to pay on a Loan Modification that was never signed properly or recorded by the servicer. The servicer SOLD/Transferred the Loan to another servicer, and I have tried to get the ratified agreement. The agreement does not exist and the servicer admits they do not have the executed agreement but they are still forcing me to make mortgage payments I can not afford, and they are threatening to foreclose on a modification along with the details of the modification that was never properly signed, notarized, dated or recorded. The previous servicer Rushmore Loan Management Services sent a letter withdrawing the modification, however the new servicer is holding me to a withdrawn agreement. I have paid over XXXX and I am asking for my money back or for them to fix the modification and explain the math, they refuse to do both. Also, the loan was actually discharged in a XXXX XXXX bankruptcy and charged off in 2011 but was somehow sold and now they want me to pay almost XXXX XXXX dollars and they can not explain why. I am at a loss with no place to turn here I feel something is illegal. The servicer has been Rushmore Loan Management Services, Mr Cooper Loans, and Rushmore Servicing. I need help.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I contacted Equifax about the following negative accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Its been over 45 days and Equifax havent respond to my request as they are required to by the Federal Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent numerous dispute letters to all three credit reporting agency and never received a response or documentation stating these items belong to me, on XX/XX/23 i mailed my dispute letter, on XX/XX/23 i sent my XXXX letter with no response, on XX/XX/23 i submitted a complaint, on XX/XX/23 i submitted another dispute with my FTC report and never received a response, i been addressing this issue several times with the credit reporting agency with no results.
Product: Credit reporting or other personal consumer reports

On XX/XX/2024 a dispute letter was sent out to the credit bureau regarding a discrepancy that was uncovered upon my review of my most recent report. The company XXXX XXXX XXXX is reporting on XXXX, XXXX, and XXXX that the original creditor XXXX XXXX XXXX states that I have an owed balance of XXXX} as of XX/XX/2024. I contacted the original creditor who stated that I originally signed a XXXX month lease. I have requested that the original creditor provide proof of signed documents along with the same request to XXXX, XXXX, and XXXX. As of today XX/XX/2024 no supporting documentation has been provided to me. 

" SEE ATTACHED ''
Product: Credit reporting or other personal consumer reports

XXXX, XXXX and Trans Union failed to fulfill its legal obligation under the FCRA to conduct a reasonable investigation of disputed information on my credit report leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau CFPB, has recently filed a lawsuit against XXXX and XXXX alleging systemic issues such as failure to forward consumer-provided evidence to furnishers accepting unreliable responses and failing to adequately notify consumers of dispute outcomes.These failures align with my experience, where XXXX, Trans Union and XXXX has neither corrected or removed items despite the evidence I have provided causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts as XXXX, XXXX and Trans Union inactions violates federal law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

Remove all items listed on my FTC report.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX PM XXXX Balance Owed : {$12000.00} XXXX XXXX Balance Owed : {$720.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance XXXX : {$0.00} XXXX XXXX Balance Owed XXXX {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX PM XXXX Balance Owed : {$12000.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Owed : {$0.00} XXXX XXXX Balance XXXX : {$0.00} XXXX XXXX Balance Owed XXXX {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX PM XXXX Balance Owed : {$12000.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX Balance Owed : {$0.00}
Product: Debt collection

Someone used my info to check into a hospital in 2014 and racked up a huge list of bills for XXXX XXXX XXXX. I've disputed it with the hospital and debt collector but they kept racking on new fees and interest over the years and also published it on my credit report as a psychological institution debt which everyone who runs my credit can see and immediately assumes I have a mental disorder.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer. 

Date of Dispute : 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: Debt collection

2013 my car crashed in the car accident a towed company towing it my insurance company doesnt paid to take the car, towed company putted the ligne in my tag I couldnt do the car in person I went to the towed company to pay the money I paid off the money
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 
1

5 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
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a formal complaint against XXXX located in XXXX, GA. This company has repeatedly violated my consumer rights under the Fair Credit Reporting Act and has caused me much unnecessary financial AND mental distress. For starters, they're reporting an erroneous & unverifiable account on my credit report and not to mention an account in which I've asked for proof of claim and in which they have not been able to provide, per the FCRA. Despite my efforts to resolve this unfortunate nightmare for several months now, XXXX has completely ignored my communications and legal submissions to remove this inaccurate information from my credit report. I am well aware of the many, many other complaints filed against this company for their illegal and unethical business. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a Professional and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report. I was shocked to learn that I have been a victim of identity theft. I found other accounts on my credit report as well that were not opened by me. This has been hurting my credit as im trying to obtain living for my family. Please remove fraudulent account as soon as possible. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX  Account # XXXX has violated my rights. 

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
Product: Credit card or prepaid card

After recently signing up for a credit monitoring service, I received notifications that a fraudster has aggressively attempted to open several new accounts in my name. I was emailed an alert advising me of a fraudulent application attempt at another bank. Upon researching further, I have found that several fraudulent credit card applications were previously submitted ; in including a fraudulent application to US Bank resulting in a fraudulent credit inquiry on my XXXX credit report from US Bank. I have received unsolicited communications from this bank/card issuer. The date of the fraudulent US Bank credit report inquiry is XX/XX/2022. I exhausted all reasonable attempts to contact both US Bank and XXXX to remove the fraudulent inquiry. Both companies have systems set up to create unnecessary obstacles to reaching a live person and have made the process to have the fraudulent inquiry removed impossible. US Banks phone system and representatives have done nothing to help, furthering my frustration as a victim of identity theft. I no choice but to submit a request to submit complaints to the CFPB, FTC, and Office of The State Attorney General to have the fraudulent US Bank inquiry removed from my XXXX credit report. The date of the fraudulent US Bank credit report inquiry is XX/XX/2022. If the inquiry is not removed, then my only other option will be to seek legal assistance for damages caused by US Banks refusal to resolve my issues as a victim of identity theft. This notice of complaint to be filed with the CFPB and FTC as well as the State Attorney Generals office serves as notice of my grievances with US Bank.
Product: Checking or savings account

OK IN XXXX I OPENED AN ACCOUNT WITH CHASE AND YOU HAVE TO FUND THE ACCOUNT BEFORE THE 30 DAY MARK AND I HAD NO WAY TO DO THAT SO I WENT TO A BRANCH IN XXXX GA AND THEY STATED THAT I WOULD NOT BE ABLE TO OPEN A NEW ACCOUNT UNTILL I SPEAK WITH THE FRAUD DEPARTMENT THATS WHAT THE MANAGER SAID SO I DID IN XXXX I DECICED I WANTED TO OPEN A CHASE BUSSINESS ACCOUNT AND I SPOKE WITH SOMEONE REGARDING ISSUES WITH THE APPLACATION ISSUE SO I SPOKE TO THE FRUAD DEPARTMENT