23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I paid the escrow shortage according to escrow analysis received from mortgage servicing company and payment was not applied correctly. Mortgage payment did not adjust to reflect the correct amount once escrow shortage was paid. Mortgage servicing company re-analysed my escrow account, causing my payment to increase above the amount listed in my ORIGINAL ESCROW ANALYSIS STATEMENT.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX at XXXX and XXXX Pacific time XXXX I was on a two way conversation with XXXX XXXX executive officer mister XXXX ; to resolve my Consumer protection complaint/credit dispute regarding the incorrect information placed on my credit report. I asked mister XXXX where did the balance from because, Prior to moving the city government disbursed approximately four different payments to XXXX XXXX. 
Mister XXXX stated I have not paid the bill in approximately four years and that is why the balance is so high. I replied, that is untrue sir .... For the record, the incorrect balance reflecting is {$6000.00} The account number in question was XXXX and the service address was XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, NY XXXX. To make a long story short ... .. 

Mr. XXXX stated on a recorded conversation ( which I have saved in my email ) that if I can prove one payment he will RIGHT the WRONG and remove it from my credit report. I begun digging deep into my archived paperwork, and was blessed to find a payment the government made of approximately {$400.00} dollar.. 
And a running balance sheet which also showed many payments. XXXX  XXXX  have been doctoring and fraudulently creating running balance statements and bills which have never been sent to us customers. Moreover, mr. XXXX reneged, and went against his word.
Product: Credit reporting or other personal consumer reports

I am writing in response to your recent correspondence dated [ XXXX ], in which you asserted that the alleged late payments on my accounts has been validated. I am disputing the validity of this assertion based on my rights under the Truth in Lending Act ( TILA ), specifically 15 U.S. Code 1666b, and Regulation Z, 12 CFR 1026.11 ( c ) .In order for any creditor to treat a payment as late you must prove that : The information required under 15 USC 1637 ( b ) of this title was mailed out or delivered 21 Days before the payment due date please provide the proof that this information was mailed out or delivered 21 days before the statement date. 

Under 15 U.S. Code 1666b - Timing of payments, creditors are required to credit payments to consumers ' accounts on the date of receipt, except when a delay in crediting does not result in any charge to the consumer. Additionally, Section 1637 ( b ) of TILA and Regulation Z provide consumers with the right to dispute billing errors, including incorrect assessments of late fees or charges.

I maintain that the alleged transaction identified as late was made within the timeframe stipulated by the terms of the agreement and should not have been considered late. Furthermore, I request that you provide proof, in accordance with the Fair Credit Billing Act ( FCBA ) and TILA, that demonstrates the validity of the alleged late payment.

Until such time as you provide conclusive evidence verifying the validity of the alleged late payment, I demand that you remove any negative remarks related to this transaction from my credit report and cease all collection activities associated with it. 

Please be advised that failure to comply with the provisions of TILA, FCBA, and other relevant consumer protection laws may result in legal action being taken against your company.

I expect your prompt attention to this matter and await your response.

Remove the follow accounts from my Credit report : XXXX # PAID : ACIMA DIGITAL FKA SIMPLE ACCOUNT # XXXX PAID : ACIMA DIGITAL FKA SIMPLE ACCOUNT # XXXX
Product: Student loan

I applied and received an income-driven payment plan for my student loans, which should have applied to all of them ... the adjusted payment should currently be {$0.00} ... Navient is trying to charge me {$200.00} per month still
Product: Consumer Loan

Capital One Auto agreed to settle a auto loan with me and agreed to have the account removed in settlement and that I would have any late payments reported as long as I fulfilled the agreement which I did but they did n't honor the agreement fully and reported late payments on my credit report with XXXX & XXXX but deleted the account from my XXXX XXXX.
Product: Debt collection

A letter was faxed on XX/XX/18 to IC SYSTEMS inc ON BEHALF OF A BALANCE REPORTED ON MY CONSUMER CREDIT FILE THAT I C SYSTEMS WAS INFORMED IT WASNT THE CORRECT ACCOUNT NO CONTRACT WAS EVER ESTABLISHED WIT THEIR BUSINESS NO LETTER ORVINFO RECEIVED IN LIEU OF SUCH DEBT IT NEEDED TO BE REMOVED IMMEDIATELY OR I WAS REPORTING TO CFPB AND FILING SUIT.
Product: Debt collection

XX/XX/2021 XXXX - Contacted my employer who transferred the call to my department. At this time she was advised that this is a work number and personal calls are not allowed. Advised not to call back. ( 2 other staff were witness to this conversation. ) XX/XX/2021 XXXX XXXX left on company voicemail from same woman who was advised on XX/XX/2021 that this is a work number and we are not allowed personal calls at work. 

XX/XX/2021 XXXX XXXX left on company voicemail from same woman who was advised on XX/XX/2021 that this is a work number and we are not allowed personal calls at work. 

XX/XX/2021 XXXX same woman transferred to my dept and was AGAIN advised that this is a work number and personal calls are not allowed. Same woman called back AGAIN, spoke with another dept and left a message asking for me to call her back. ( emails from co-worker on XX/XX/2021 XXXX and XXXX )
Product: Debt collection

We received a notice from XXXX, XXXX XXXX XXXX, XXXX threatening to sue me for falsified debt with inflated and falsified interests, penalties and late fees on a debt they titled as Synchrony Bank without identifying the exact creditor XXXX whom the falsified and inflated erroneous debt is relating to. I also assigned this to my legal attorney whom they refused to contact after their office made several attempts to reach someone in the XXXX, XXXX and XXXX, XXXX firm. No one returned our lawyers call and this firm is attempting to damage our credit and collect on falsified information. Also, Synchrony Bank has retailiated against me because I raised a dispute with XX/XX/XXXX and XX/XX/XXXX  Credit Bureaus and shortly after I disputed the debt ; they immediately filed a law suit against me in XXXX County Magistrate Court which is also a form of discrimination because I am a XXXX XXXX XXXX   female who is also a U.S. Veteran. This firm also made false accusations stating that I am not a U.S. Veteran by reaching out to SCRA in an attempt to collect excessive monies not owed. Also, I previously notified Synchrony Bank of our status in XX/XX/XXXX regarding our daughter who was hospitalized for 34 Days including XX/XX/XXXX for a XXXX XXXX condition which was a XXXX  experience for my daughter which left my husband and I very emotionally distraught. I have made several attempts to be relived from this falsified claim and have a lawyer assigned to this case and am requesting that all communications that XXXX, XXXX, XXXX XXXX XXXX claim they have and any attempt to serve be communicated with my law firm whom they have ignored. The law firm they need to reach out to regarding this matter is XXXX XXXX XXXX, XXXX - XXXX
Product: Credit reporting or other personal consumer reports

I have accounts passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 

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

NAVY FEDERAL CREDIT UNION is trying to collect an alleged debt in the amount of {$12000.00} which I, the consumer do not owe. I am a consumer, a natural person who seeks or acquires goods or services for personal, family, or household use only in accordance with the federal regulation 16 CFR 433.1 ( b ). I am aware that NAVY FEDERAL CREDIT UNION is a creditor pursuant to 16 CFR 433.1 ( c ). I have reason to believe and do so believe NAVY FEDERAL CREDIT UNION has my social security number on file which represents a credit card according to 12 CFR 1002.2 ( k ) meaning that when I provided my social security number my alleged loan debt from NAVY FEDERAL CREDIT UNION has already been paid for.I also have reason to believe and do so believe pursuant to 12 CFR 1002.2 ( a ) my account with NAVY FEDERAL CREDIT UNION is a open end credit plan which means I, the affiant should not have to pay any alleged debt that, NAVY FEDERAL CREDIT UNION claims that I owe. Lastly, I am aware that according to my certified UCC Lien Search from the Secretary of State I, the consumer/debtor dont have any liens against me along with me not having any debt attached to me. This further proves that I, the consumer, do not have to pay this alleged debt that NAVY FEDERAL CREDIT UNION claims that I owe.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1800.00}, {$6800.00}, {$33000.00}, {$12000.00}, {$16000.00}, {$18000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX  XXXX XXXX with ACCT # XXXX  opened on XX/XX/XXXX with a balance of {$1800.00} -This is not my account. 

2. XXXX  XXXX XXXX with ACCT # XXXX  opened on XX/XX/XXXX with a balance of {$6800.00} -This is not my account. 

3. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$33000.00} -This is not my account. 

4. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$12000.00} -This is not my account. 


-- PERSONAL ACCOUNT 5. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$16000.00} -This is not my account. 


-- COLLECTION ACCOUNT 6. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$18000.00} -This is not my account.
Product: Credit reporting or other personal consumer reports

I believe FCRA 605B necessitates the elimination of any inaccurate accounts from my credit report. Can you verify the documents? I'm feeling uneasy due to the presence of inaccurate listings.
Product: Credit reporting or other personal consumer reports

In accordance to Fair Credit Reporting Act, this creditor, XXXX XXXX XXXX XXXX has violated my rights under 15USC1681-SECTION 602 which states that I have the right to privacy.

Under 15USC1681-604A SECTION 2, it states that a consumer reporting agency can not furnish an account without my written instructions.

Under 15USC1666B it also states a creditor can not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.

For these reasons, I am requesting the late payments be removed from my credit report across all 3 bureaus.
Product: Debt collection

Its been a year and transunion has not complied XXXX XXXX XXXX XXXX XXXX This information has been reinserted multiple times ( XXXX ) XXXX, Never received proper method of validation ( never received a 5 day notice ) XXXX, The last date of activity is incorrect and being updated ever month ( Fraud ) Date of Last Payment : XX/XX/2022 ( screenshot provided below ) XXXX. XXXX XXXX is not reporting to ALL three credit reporting agencies ( screenshot provided below ).
Product: Mortgage

Greetings, I'm reaching out to get some help for my short-term hardship. I had XXXX XXXX  to fix a XXXX XXXX XXXX on XX/XX/year>. I am unable to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and then I will be in need of XXXX XXXX. My first missed payment was for XX/XX/year>. Just need some assistance until I can get back on my feet and get back to work. If you need anything from me, please let me know. 

XXXX XXXX XXXX
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 account # XXXX on XX/XX/XXXX. XXXX XXXX account # XXXX on XX/XX/XXXX. I LOOKED AT MY Equifax CREDIT REPORT ON XX/XX/XXXXXXXX  AND NOTICED SOME THINGS ARE INCOMPLETE AND NOT ACCURATE AND ACCORDING TO THE FAIR CREDIT REPORTING ACT WHENEVER A CONSUMER REPORTING AGENCY PREPARES A CONSUMER REPORT IT SHALL FOLLOW REASONABLE PROCEDURES TO ASSURE MAXIMUM POSSIBLE ACCURACY OF THE INFORMATION CONCERNING THE INDIVIDUAL ABOUT WHOM THE REPORT RELATES ACCORDING TO 15 USC 1681 ( e ) ( b ) and according to 15 USC 1681i5 they are supposed to do this ( 5 ) treatment of inaccurate or unverifiable information ( A ) in general after any reinvestigation under paragraph 1 of any information disputed by a consumer an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer or modify that item of information as appropriate based on the results of the reinvestigation and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate View full complaint
Product: Credit reporting or other personal consumer reports

I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental life and credit health. 


XX/XX/XXXX amount : {$520.00} XX/XX/XXXX Amount : {$390.00} XX/XX/XXXX amount : {$390.00} XX/XX/XXXX amount : {$520.00} XX/XX/XXXX amount : {$200.00} XXXX XXXX {$520.00} Public : XX/XX/XXXX, XXXX XXXX
Product: Bank account or service

On XXXX, I initiated a {$900.00} online bill pay transaction with my bank, Ally Financial Inc., to be received by XXXX XXXX XXXX XXXX for a loan installment on XXXX. On XXXX, {$900.00} was debited from my account and I thought everything was cared for. On XXXX and XXXX, I received emailed correspondence from XXXX XXXX XXXX advising that payment had not been rendered. Upon checking email on XXXX, I immediately contacted Ally. Initially, I was told that someone other than XXXX XXXX XXXX may have intercepted the check and cashed it. Further conversation yielded that the check had not been cashed, but rather the payment was mailed on XXXX and it takes 7 to 10 business days for the payment to be received by the payee. When pressed on why the payment was mailed on XXXX, the representative corrected her statement and shared that the payment was mailed on XXXX. I requested to speak with a supervisor to share my dissatisfaction and received yet another explanation of the events. 

Since no payment has been rendered, XXXX XXXX XXXX has levied a {$25.00} late fee on my account. To quickly rectify the situation, I requested that funds be wired from my Ally account to XXXX XXXX XXXX. I was informed that it would take 3 business days for the {$900.00} that was debited from my account on XXXX to be returned. I then inquired as to why it takes 3 business days to return funds from a check that was never cashed back into my account and was told " That 's just how long it takes us to process this. '' This is completely unacceptable and I demand satisfaction ; the bank should not be allowed to arbitrarily hold my money.
Product: Credit card or prepaid card

In XXXX of XXXX, I fell on hard times due to the current COVID-19 pandemic accompanied by the passing of my father. The pandemic and passing of my father left me extremely strained emotionally and financially. I had informed Nordstrom Credit Card Services of my ongoing circumstances and asked for all of the late fees for the current year to be waived. I was then met with much resistance. I was also told that my fees could not be waived due to them stopping the waiving of fees back in XXXX of XXXX. This is absolutely ridiculous considering that I have been a cardholder since XXXX and HAVE NEVER made a late payment, but when I truly need some assistance I am given nothing. I am currently a full-time college student as well as working full-time. I would like Nordstrom to remove any and all Late Fees from my account ranging from XX/XX/XXXX thru XX/XX/XXXX. I recently made a payment of {$220.00} to the account to be brought current but was then lied to and told that nothing could be done about the late fees. I am honestly disgusted with Nordstrom credit card, and it is truly appalling that I have to file a formal complaint to just get some sort of proper assistance. After this card is paid off I can assure you that I will no longer give Nordstrom credit card my business.
Product: Credit card

We were charged {$170.00} for a ride from the airport that we did not agree to. The driver claimed to be an XXXX and was not. No receipt provided. We asked 2-3x how much the ride would be and he said, do n't worry - it 's about {$5.00}. The typical ride costs about {$60.00}. We feel this is fraudulent and refuse to pay Chase Bank for the VISA charge. The receipt emailed was from XXXX Car in XXXX.
Product: Credit reporting or other personal consumer reports

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 AFFIRM XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX ) Dear XXXX, I am writing to formally dispute the reporting of the AFFIRM INC unsecured loan account ( Account # XXXX ) currently listed on my credit report in collection status. This account contains inaccurate and incomplete information, which constitutes a violation of the Fair Credit Reporting Act ( FCRA ).

Pursuant to **15 U.S.C. 1681e ( b ) ** of the FCRA, consumer reporting agencies are required to follow reasonable procedures to ensure maximum accuracy of the information included in consumer credit reports. In this case, the information reported about the above account is neither accurate nor complete. 

Additionally, under **15 U.S.C. 1681i ( a ) **, if a consumer disputes the accuracy of any item of information, the consumer reporting agency must conduct a reasonable reinvestigation to determine whether the disputed information is accurate and delete or correct the information if inaccuracies are found. 

# # # XXXX XXXX Protections & XXXX References : XXXX. **Accuracy of Reporting** : According to **15 U.S.C. 1681c ( a ) **, inaccurate, incomplete, or unverifiable information must be promptly corrected or removed from a consumer 's credit file. The information related to this account does not meet these standards.

2. **Deletion of Fraudulent Information** : Under **15 U.S.C. 1681s-2 ( a ) ** furnishers of information are required to ensure accuracy when reporting data to credit bureaus. If fraud or inaccuracies are found, the information must be deleted from the consumer 's report. 

XXXX. XXXX XXXX XXXX : In the case of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) **, the Supreme Court underscored XXXX XXXX of credit reporting agencies for reporting inaccurate information that negatively impacts consumers. Similarly, in *XXXX XXXX XXXX XXXX XXXXXXXX was XXXX accountable for failing to correct inaccurate information after notification, setting a precedent for consumer rights in such disputes. 

As this account is fraudulent and contains false or incomplete information, I respectfully request that it be removed immediately from my credit report. Failure to comply may result in escalation, as I intend to file complaints with the **Consumer Financial Protection Bureau ( CFPB ) ** and the **Office of the Attorney General**.

Enclosed are copies of my credit report highlighting the disputed account, along with my identification and proof of address.

Please provide me with written confirmation once the investigation is complete, along with an updated credit report reflecting the removal of this account. 

Sincerely, XXXX XXXX
Product: Mortgage

Lender Live was my mortgage servicer up until they transferred my loan. Lender Live sent my escrow payments to the wrong municipality, creating a large deficiency in my escrow and then notifying they were more than doubling my payments. When I notified them they had made a mistake, they never explained what happened, only that they needed to request refunds from the municipalities they sent my money to so they would be able to pay the correct taxes ( due to their error my property and school taxes were paid late ). They have yet to correct the issue, and provided the wrong escrow information to my new loan servicer so I am yet again trying to rectify the issue that Lender Live created.