23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

1. I took advantage of a HERO Program upgrade in XXXX which fee assesses to my annual property tax. I provided the lender a copy of the five year repayment schedule. 
2. Lender advised their approval would be been withheld if I had asked in advance. 
3. Lender more than doubled my Escrow fees which was excessive so I requested to cancel the voluntary Escrow Account and was denied 4. Lender quoted from our loan agreement as grounds for refusal : Lender may waive Borrowers obligation to pay to Lender Funds for any or all Escrow items at any time. Any such waiver may only be in writing. 
5. Lenders Senior Escrow agent advised on or about XXXX/XXXX/XXXX that XXXX tax amount could be removed from the coming year 's escrow analysis if I paid the entire {$10000.00} tax in full which I did on XXXX/XXXX/XXXX XXXX. Lender acknowledges receiving receipt copies and that taxes of {$10000.00} are paid in full ( see attached XXXX - {$5500.00} ; XXXX - {$5400.00} ). 
7. Effective XXXX/XXXX/XXXX, lender held my in Escrow account {$6100.00} 8. Lender conducted a new escrow analysis for the twelve months XXXX XXXX on XXXX/XXXX/XXXX and assessed {$1000.00} in new monthly fees while acknowledging all funds will be refunded in XXXX as no tax is due ( e.g. in XXXX XXXX, lender intends to refund me the approx. {$12000.00} collected ). 
9. Lender plans to continue collecting {$1000.00} per month XXXX {$12000.00} over next 12 months ) for taxes already paid. 
Lender refunded {$5100.00} in Escrow Surplus on XXXX/XXXX/XXXX. 
10. I advised lender of Deed of trust UNIFORM COVENANTS : 3. Funds for Escrow Items : " Lender may at any time, collect and hold Funds in an amount ( a ) sufficient to permit Lender to apply the Funds at the time specified under RESPA, and ( b ) not to exceed the maximum amount a lender can require under RESPA. Lender shall estimate the amount of Funds due on the basis of current data and reasonable estimates of expenditure of future Escrow Items or otherwise in accordance with Applicable Law. '' 11. Lender refused to provide disclosure for voluntary escrow subjecting me to involuntary escrow rules. 
12. Lender advised I would need a subpoena to obtain taped calls to validate its agent instruction to pay the tax in full. 
15. Lender repeated insinuation that I had ulterior motive, other than comply with its agent 's advice, for paying the tax early 13. Lender is now threatening to withhold applying monthly principal and interest of {$1700.00} to my loan, thus triggering a loan default, if I do not pay the additional {$1000.00} in monthly Escrow fees ( total mortgage payment {$2700.00} ). 
14. This violates RESPA 1024.17 Escrow accounts. C., 1, ii. Charges during the life of the escrow account. Throughout the life of an escrow account, the servicer may charge the borrower a monthly sum equal to one-twelfth ( 1/12 ) of the total annual escrow payments which the servicer reasonably anticipates paying from the account. In addition the services may add an amount to maintain a cushion no greater than one-sixth ( 1/6 ) of the estimated total annual payments from the account or the intent of RESPA. ''
Product: Credit reporting

I ca n't get my report online because of ilgetting answers wrong when it checks my identity because it 's not accurate so it 's easy to see why I got it wrong.
Product: Mortgage

I have a mortgage with Pennymac that has PMI that I am trying to remove. The estimated time to completion was 15-20 business days according to their customer service. It has been 26 business days and counting. This is not acceptable to be almost double the estimate with no end in sight. Their delay is costing me money and they are in no hurry to fix this.
Product: Credit reporting or other personal consumer reports

A month ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Here is the name of the company that says I had a credit card with them. 

Phone : XXXX FAX : XXXX Correspondence address : XXXX XXXX XXXX XXXX PO Box XXXX XXXX, OR XXXX I have disputed this credit report entry twice and have got nothing more than the credit agency telling me that the entry stays due to the company verifying the account was accurate. That is total horse XXXX, as I never opened this account or made any charges on it. When I requested proof that I opened this account I got no response. 

The 3 credit reporting agencies are all guilty of violating the law and this company is too. I will proceed to a lawsuit if this is not taken care of by this last effort.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Dispute of Inaccurate Credit Information - Account : XXXX Dear Credit Bureau, I am writing to formally dispute the inaccurate, unverifiable, and incomplete information that appears on my credit report from your agency. The account in question is listed below with its associated details : XXXX Account Information Account Number : XXXX ( TransUnion ), XXXX ( XXXX ), XXXX ( XXXX ) High Balance : {$4000.00} ( TransUnion ), {$0.00} ( XXXX ), {$2400.00} ( XXXX ) Last XXXX : XX/XX/XXXX ( TransUnion ) Date of Last Activity : XX/XX/XXXX ( TransUnion ), XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( XXXX ) Date Reported : XX/XX/XXXX ( all three ) Date Opened : XX/XX/XXXX ( TransUnion ), XX/XX/XXXX ( XXXX, XXXX ) Balance XXXX : {$4000.00} ( all three ) Closed Date : XX/XX/XXXX ( TransUnion ) Account Rating : Derogatory ( all three ) Account Description : Individual ( all three ) Dispute Status : Account not disputed ( TransUnion, XXXX ), Account disputed ( XXXX ) Creditor Type : Miscellaneous Banks ( TransUnion ), Bank Credit Cards XXXX XXXX XXXX, All Banks ( XXXX ) Account Status : Closed ( all three ) Payment Status : Collection/Chargeoff ( all three ) Creditor Remarks : Charged off as bad debt ( TransUnion ), Subscriber reports dispute resolved - consumer disagrees ( XXXX ), Consumer disputes after resolution ( XXXX ) Payment Amount : {$0.00} ( all three ) Last Payment : XX/XX/XXXX ( TransUnion, XXXX ), XX/XX/XXXX ( XXXX ) Term Length : XXXX ( all three ) Past Due Amount : {$4000.00} ( all three ) Account Type : Credit Card ( TransUnion, XXXX ), -- ( XXXX ) Payment Frequency : XXXX ( all three ) Credit Limit : {$2500.00} ( all three ) Discrepancies and Inaccuracies There are numerous discrepancies and inaccuracies within the information reported by each bureau : 1. High Balance : Different amounts reported by TransUnion ( {$4000.00} ), XXXX ( {$0.00} ), and XXXX ( {$2400.00} ). 
2. Date of Last Activity : Different dates reported by TransUnion ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ), and XXXX ( XX/XX/XXXX ). 
3. Creditor Remarks : Different comments regarding dispute resolutions and charge-off statuses. 
4. Account Status and Payment History : Inconsistent reporting of derogatory status and charge-off payments across all three reports. 


Request for Investigation and Deletion Given these discrepancies and the inaccurate, unverifiable, and incomplete nature of the information, I request a thorough investigation into this account. If the information can not be verified, please delete this account from my credit report immediately. 
Enclosed are copies of my credit reports from TransUnion, XXXX, and XXXX, highlighting the relevant portions. Also included are copies of my identification and any additional documents you may require for verification. 
Thank you for your prompt attention to this matter. I look forward to receiving a response within 30 days as required by the Fair Credit Reporting Act ( FCRA ). 
Sincerely, XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

someone called Capitol One and changed my address and ordered new cards 4 times this month and every time Capitol One has sent the cards. I have had to spend over 10 hours on the phone correcting this each time. There is supposed to be alerts on my card that nobody is to make any changes to my account without Capitol One sending a 6 digit text to my phone for confirmation. they have never sent this and as recent as this week have sent cards again and changed my address.

My cards have already been used for fraudulent cash advances and they even had the nerve to charge me 16 twice to have the cards sent fast card.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Experian stating that the law on medical debt has changed. XXXX XXXX XXXXXXXX has a medical bill in the amount of {$480.00} on my credit report. From my understanding, medical debt that is under {$500.00} is supposed to be removed from my credit report as of XX/XX/XXXX XXXX  This did not occur. I sent a letter to Experian and I did not hear back. I sent a letter to the company and they completely ignored my request to remove the medical debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had to be informed by the media and news that my information was compromised from Equifax rather than by the company itself. If I was not watching the media I would of not known that I was at risk. They mishandled my information which puts me and millions of other people at risk. The method of finding out even compromises my legal rights. I am a victim according to equifaxsecurity2017.com website, and would like a resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have for a year been trying to have Experian stop reporting inaccurate information on my credit file. I have showed them my tax transcripts, proof that 3 accounts ( XXXX XXXX Partial Acct # XXXX ; XXXX XXXX XXXX XXXX Partial Acct # XXXX ; XXXX XXXX XXXX Partial Acct # XXXX ... XXXX ) could not possibly be mine. At the time of the opening of these accounts I did not have a job or proof of income nor did I file for taxes, so no bank would ever have given me any type of loan. Despite of showing proof that these accounts are inaccurate, I have requested them to show proof that they have the right to report this information 6 times which they have not provided at all. This is a continuing violation of my rights as a consumer and against the Fair Credit Reporting Act regulation. XXXX and XXXX  have stopped reporting these inaccurate accounts. I have showed Experian proof of this on my last dispute and still concluded that they will not be deleting these accounts even though every other Credit Bureau has stopped reporting them, which further proofs inaccuracy on my credit reports. I have also file a report with the XXXX  last week as they continue to implement unprofessional, childish stall tactics wasting everybodys time.
Product: Credit reporting, credit repair services, 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 corrected : XXXX XXXX XXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX  Account Number : XXXX ; XXXX XXXX  XXXX A Account Number : XXXX ; XXXX XXXX XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Has violated my rights. 
I looked at my Equifax credit report on XX/XX/2024, 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 1681 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, 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 supposed 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.
Product: Checking or savings account

My wife took out 4 certificates of deposit with washington mutual. the 1st one was inXXXX acct # XXXX the 2nd was XX/XX/XXXX # XXXX the 3rd was XX/XX/XXXX # XXXX and the 4th was XX/XX/XXXX # XXXX. In XXXX Washington Mutual failed and their assets and records went to JP Morgan Chase. We are not sure if we closed these accounts ( wife does not recall ) or because they went dormant they were lost in the transistion between WAMU and Chase. I contacted Chase to see if I could find out what happenened to these accounts but they tell me they can not help me because those acct. numbers are not theirs. I have done many searches to see if these funds ended up in Washington State Revenue but found nothing. I also went to FDIC and found nothing but in talking to the FDIC they informed me that Chase should still have records of our accounts and should be able to help us find out what happened to these funds. Please help to resolve this issue. Thanks.
Product: Credit reporting or other personal consumer reports

I did not consent to these inquiries and strongly suspect they are fraudulent. I implore you to conduct a comprehensive investigation and promptly remove them from my credit report.
Product: Credit card or prepaid card

In XX/XX/2019, I applied for a Capital One Quicksilver. The website ran an advertisement that " earn a one-time {$150.00} cash bonus once you spend {$500.00} on purchases within 3 months from account opening '' ( See https : //www.capitalone.com/credit-cards/quicksilver/ ) To get the bonus I purchased something that I do not need that time only to get bonus. I am an international student in the United States and this is not easy for me. 

However, I did not receive any bonus. When I phoned them, the customer service agent told me that I do not quality for this. When I asked why I do not qualify, they told me that we can not give any explanation but you do not qualify. 

Also, the advertisement told me that I will get 0 % Introduction APR for the first 12 months on purchase but they have been charging me interest for the last few months. When I asked the customer care agent and they told me that I do not qualify for this promotion and they did not give any explanation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit report today and discovered an alleged hard inquiry, I do not recall authorizing any inquiries and I would like to see the application of credit. Under the Fair Credit Reporting Act, no one may access my credit without my permission for the purpose of extending credit.

U.S. Code, 15 U.S.C. {$1600.00} et seq. Section 604 states that all users must have a permissible purpose under the Fair Credit Reporting Act to obtain a consumer report.

Understand that I contest the reporting of the above noted inquiries and challenge for the demonstration of the confirm= physically verifiable proof of a validly acquired lawful permissible purpose, concerning an exactly identified consumer who is/was factually identified as being me and only me. Please provide proof of permissible purpose by furnishing to n5 & 39 documentation of credit application with proof of signature showing that I indeed applied for credit with this company, else wise delete the alleged inquiries immediately.
Product: Credit reporting or other personal consumer reports

ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET XXXX XXXX OR ALL ALLEGATIONS YET XXXX XXXX  OR UNPROVEN MINE, CHALLENGED OR NOT.
Product: Credit reporting, credit repair services, or other personal consumer reports

Collection Agency XXXX XXXX XXXX Original Creditor Name GA XXXX XXXX XXXX Date Assigned XX/XX/XXXX Original Amount Owed {$770.00} Amount {$770.00} Status Date XX/XX/XXXX Status UNPAID Balance Date XX/XX/XXXX Account Designator Code INDIVIDUAL_ACCOUNT Account Number # # # # # XXXX Creditor Classification XXXX Last Payment Date Date of First Delinquency XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX PLEASE REMOVE I SENT SEVERAL LETTERS TO EACH COMPANY CONTACTED OVER 35 times by phone nothing has changed
Product: Consumer Loan

We paid off our loan and the bank says that they mailed our title to and old address. The bank stated that we did not update the new address information in time to get the title mailed to the correct address. We did receive a letter congratulating us that we had paid off our loan to the correct address. I mailed the payoff check to the bank 2 days before we checked to make sure the address was right. So obviously the postal service runs really fast or Citizens Bank 's systems do n't work as well as they should. We have called several times with no single person having any real knowledge of what 's going on. We have had the worst customer service I 've ever had. I seriously believe that Citizen 's Bank hires the people that the cable company would n't hire for customer service. I contacted the person that now lives at the old address and they have not received anything from Citizens Bank.
Product: Debt collection

XXXX XXXX has been repeatedly calling me concerning an old debt that was sold to them by capital One, back in XX/XX/2017, this account is over Ten years old was opened back in XXXX, keep reporting it as current on my credit report since it was sold in XX/XX/2017. The calls are every other day from different numbers and Ive repeatedly told them not to call my number again.
Product: Credit reporting or other personal consumer reports

Following 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.

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

15 U.S.C 1681 Section 604 A Section 2 : A consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information or any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( a ) 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. 
XXXX XXXX NA. Date of the inquiry : XX/XX/XXXX. 

Delete the accounts below : - Creditor name : XXXX XXXX BANK XXXX. Date of the inquiry : XX/XX/XXXX. 
- Creditor name : XXXX XXXX XXXX. Date of the inquiry : XX/XX/XXXX. 
- Creditor name : XXXX XXXX FIN. Date of the inquiry : XX/XX/XXXX. 
- Creditor name : XXXX XXXX XXXX. Date of the inquiry : XX/XX/XXXX. 
- Creditor name : XXXX XXXX VIA DEALER. Date of the inquiry : XX/XX/XXXX. 
- Creditor name : XXXX XXXX. Date of the inquiry : XX/XX/XXXX. 
- Creditor name : XXXX XXXX XXXX. Date of the inquiry : XX/XX/XXXX. 
- Creditor name : XXXX XXXX CRE. Date of the inquiry : XX/XX/XXXX. 
- Creditor name : XXXX XXXX BANK XXXX. Date of the inquiry : XX/XX/XXXX. 
- Creditor name : XXXX. Date of the inquiry : XX/XX/XXXX.
Product: Payday loan, title loan, personal loan, or advance loan

I called on XX/XX/2023 to update my mailing address and the customer service representative was rude to me and did change my mailing address but continue with that attitude wich I complained about it. Three days later on XX/XX/2023 after I open the Affirm app and notice my credit history disappeared from my account along with my purchasing power that was {$800.00} just before talking to that person and a credit denial message for a credit request I never made. 
Looks like someone or somehow deleted my credit history from my account. 
After that I called several times and chat various occasions trying to get my credit history back with no results, I can't request any credit because I will be denied for the lack of credit history as it did happened since.
Product: Credit card

On about XX/XX/year> I was alerted that my payment was late for Barclays Bank, this was highly unusual since I had never been late paying in XXXX year history with them. As a matter of fact I can go back 30-40 years and not find a late payment for me for any bill, so when I go it I went to their website and paid the bill plus late fees. 

The chances of me paying any bill late is like one person winning a big lottery seven times in a row while being struck by lightning after each win, it doesn't happen. For the last XXXX years my credit score has been between the high XXXX XXXX  to over XXXX XXXX. 

Let 's say I was late because I was busy and maybe forgot that's about half of one percent chance, hold that. Then I got another late notice I think for XX/XX/year> then I made a payment on XX/XX/year>XXXX  before talking to their rep about another situation and she reminded me that I hadn't made my payment but I had just before we talked I mention that to her the payment wasn't due until the next day XX/XX/year> so it was on time because it was paid online. It can be paid online the same day and be counted as being on time I paid the day before it was due so it was on time.I see this company has less than two stars in reviews, I understand why!

So what they are doing is not collecting payments when they should and not allowing payments to be processed on time therefore customers are labeled as late or non payment Some retailers are doing similar acts with self-check out, defrauding customers I must say I refuse to make payment until I get proper credit for my payments including XX/XX/year> payment, so a non payment in 14 years is caused by their fraud! 

THIS IS FRAUD at the highest levels.