23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

To whom it may concern, Im writing this letter to complain about the deceptive service Im receiving from my mortgage servicing company Loancare aka Myloancare.com. They sent me an escrow analysis in XX/XX/XXXX which forecasted the property taxes to be higher than expected which resulted in my monthly mortgage payment to increase. I called them to get some information about the process of getting this adjusted when the actual taxes are paid on my property because I knew the tax amount would be less than forecasted. I was told to call back towards the end of XX/XX/XXXX after Loancare pays the exact amount of taxes on my property. As I was told I did call on XX/XX/XXXX and I confirmed that the taxes were in fact paid at the beginning of that month, I also confirmed that the amount is about {$1000.00} less than what was forecasted on their XX/XX/XXXX escrow analysis so I requested a new escrow analysis. The agent told me that the new analysis would be completed by XX/XX/XXXX. On XX/XX/XXXX I called Loancare to inform them that Im not seeing the updated info yet so they told me that the XX/XX/XXXX deadline I was previously given was incorrect and that I should wait till XX/XX/XXXX for that info. Again XX/XX/XXXX came and went and the escrow analysis was not completed so I contacted them again and was told that this process should be done by the XX/XX/XXXX and if not I should request to speak with a supervisor. I called back on the XX/XX/XXXX since it wasnt done again and even spoke to a manager but they all stated that the analysis was not done yet and that by Friday XX/XX/XXXX the system should update and reflect the up to date numbers. Today is Saturday XX/XX/XXXX and again no new escrow analysis was posted or updated. 
I feel that Im being given the runaround and that they are not honoring these deadlines/timelines they keep providing me. I even sent an email to their customer service and I just received the automated response but no resolution. Its not professional to lie and deceive customers or send them the message that things would be done when Loancare feels like it. After all of these attempts and the pattern of their business practices I feel that this delay is intentional and I want this analysis to be completed and my information updated as soon as possible so we can budget for our mortgage accordingly.
Product: Credit card

Contacted XXXX XXXX in XXXX over a {$2.00} interest fee that was interest on top of interest as the bill was paid in full in XXXX. There was left over interest from this bill which was paid in XXXX. The representative that I talked to in XXXX confirmed that this was an interest on top of interest and that he would remove the charge. Low and behold I receive another statement from vacation club with a {$6.00} balance. I called them again today XX/XX/XXXX to correct this. I was informed by XXXX that a late charge that should never of occurred could not be removed since the account was closed. I was forced to pay the late fee and I over paid because I did not want yet another interest charge from this company for an unpaid balance of {$2.00} from this late fee. This company has broken many laws here and I am positive that they do this to many consumers.
Product: Credit reporting or other personal consumer reports

XXXX XXXX and Experian reporting incorrect information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/21 The reporting of the late payments, term length, amount due amount of loan paid are all reported inaccurately. Due to the inaccuracy of the reporting please remove the reported late payments on the account That the late payment reporting be removed based on the inaccurate information provided by Experian XXXX and XXXX. Under consumer law code 1681e a ) Identity and purposes of credit users 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. These procedures shall require that prospective users of the information identify themselves, certify the purposes for which the information is sought, and certify that the information will be used for no other purpose. Every consumer reporting agency shall make a reasonable effort to verify the identity of a new prospective user and the uses certified by such prospective user prior to furnishing such user a consumer report. No consumer reporting agency may furnish a consumer report to any person if it has reasonable grounds for believing that the consumer report will not be used for a purpose listed in section 1681b of this title. ( b ) Accuracy of report 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. Please note that the reporting across all three bureaus is in accurate regarding the term length the amount due and past due amount and late payments are all inaccurately reported. Therefore Id the have the reported late payments to be removed.
Product: Checking or savings account

To whom it XXXX concern, Bank of America opened a savings account and a credit card in my name without my consent. As a result, there are bank account and credit card fees being charged in my name, which if not paid, will affect my excellent credit status. 

This issue arose when my grandmother 's former employer, who banks with XXXX, initiated a transfer from their bank account to my bank account also at XXXX bank. I provided my grandmothers former employer a copy of a cancelled check from my XXXX Bank checking account. Soon after, I began receiving bank account and credit card statements from Bank of America. I have called Bank of America twice to request that the accounts are closed. They are requiring that I file an ID Fraud report, which I disagree with. I do not believe that this matter arose as a result of ID Fraud because Bank of America is the perpetrator, not my grandmother 's former employer. I believe that this matter arose as a result of Bank of Americas questionable business practices.
Product: Debt collection

This is a follow-up complaint to Case number : XXXX. 

On XX/XX/XXXX, I submitted the above referenced case. I provided back-up documentation. The company responded that they would no longer contact me on my work telephone number, yet today, at XXXX I received an debt collection call from Rash XXXX at caller ID number XXXX. I heard a recorded message that it was an urgent business matter for myself and then I was placed on an indefinite hold. 

From my previous complaint : I received a phone call on my direct line at my place of employment on XXXX at which time I sent them a letter via fax and USPS to cease and desist contacting me at my place of employment during my work hours. I have continued to receieve phone calls : XX/XX/XXXX at XXXX XX/XX/XXXX at XXXX XX/XX/XXXX at XXXX I have sent them 4 notices, all faxed and then sent by standard USPS delivery. 

On XXXX I spoke to a woman named XXXX who verified that they had received my communications and was unsure why I was continuing to get calls. She was going to contact their IT department. 

The company submitted a response : Good Morning, Per XXXX request, our auditing department reviewed his account today. All numbers in the complaint had been removed and the file was noted that no calls are to be placed to his place of employment. One number, XXXX was located in another file in our office under a different individual 's name. This could explain why calls were placed to that number even though the number in XXXX account had been removed. Effective today that number was removed from the other file as well, and was noted that no calls are to be made to the place of employment. RCA has placed both numbers in our " Do Not Call '' data base. 

They have not ceased this illegal collection activity as of today, XX/XX/XXXX. This will be their 6th written notice to cease and desist. ( I will note that all of the calls were placed to my direct inward dial line at work XXXX and not the XXXX that they reference above. Phone systems logs are available to corroborate if needed. ) I request the the Consumer Financial Protection Board take enforcement action against Rash Curtis for their ongoing and blatant disregard for the law.
Product: Credit reporting or other personal consumer reports

Dispute of Late Payment Reporting Dear Sir/Madam, I am writing to formally dispute the late payment ( s ) reported on my credit report associated with my account, in accordance with my rights under federal law. The reporting of these late payments may not comply with the following legal provisions : 1. 15 USC 1681, Section 602 : This section highlights Congress intent to ensure fair and accurate credit reporting and to protect consumers from inaccuracies that can adversely affect their creditworthiness. In accordance with the fair credit XXXX XXXX, XXXX and Equifax has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy.

2. 15 USC 1681, Section 604 ( a ) ( 2 ) : This section restricts the use of consumer reports to permissible purposes and emphasizes the importance of accuracy in credit reporting. 15 USC 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

3. 15 USC 1666b : This section provides a grace period for payments to be considered timely, stipulating that creditors must account for delays in mail processing or other reasonable circumstances. 15 USC 1666B : A creditor may n treat a payment on a credit card420 account under an open end consumer credit plan as late It is my understanding that : The late payment ( s ) reported may not have been calculated in compliance with the statutory grace period outlined in 15 USC 1666b.

The reporting practices may not align with the standard of fairness and accuracy as required under 15 USC 1681, Section 602 and Section 604 ( a ) ( 2 ).

I request that you conduct a thorough investigation of the reported late payment ( s ). If the information is found to be inaccurate or unverifiable, I expect it to be corrected or removed from my credit file promptly, as required by law.

Please provide documentation verifying the accuracy of the late payment ( s ), including but not limited to : 1. Proof of the payment due date and the date payment was received.

2. An explanation of how the payment was deemed late, in light of the statutory requirements.

3. Confirmation of compliance with the legal grace period outlined in 15 USC 1666b.

Failure to address this matter accurately and promptly may constitute a violation of federal law, and I reserve the right to escalate this dispute by filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and other relevant regulatory bodies.

Please respond to this letter within 30 days as required under the Fair Credit Reporting Act ( FCRA ). I appreciate your prompt attention to this matter and look forward to your resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

Unauthorized credit inquiries on my credit report, I have spoken with transunion, Equifax, and XXXX about these inquiries and they failed to do anything. I have also submitted several disputes via online and nothing still has been done.
Product: Credit reporting or other personal consumer reports

This is a written request that you investigate specific items that I believe to be reported in error. These items are not correct and are causing me financial and emotional distress because of their derogative nature. The listed items below are completely inaccurate and must be corrected. It is my understanding of the law that you are required to complete your investigation within XXXX days. I am awaiting your response. The following items must be deleted : XXXX XXXX  XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

TTN Fraud Department : Remove fraudulent accounts from my credit report.
Product: Credit card or prepaid card

My wife 's wallet was stolen in the early AM hours on XXXX  XX/XX/2021. We assume between midnight and XXXX XXXX. It was left in our vehicle and the vehicle was opened and rifled through, they found the wallet and left. At XXXX I got a text from Chase bank notifying me of potential fraud on my card, a decline at XXXX  for a charge of {$190.00} I immediately notified them that this was NOT us, to which they told us they'd be closing the card and they'd send a new one. My wife 's physical card was taken and used at this target. 

Later that day when checking all of our accounts we noticed there were more fraudulent charges tried at that same target with that same card for {$460.00}. These charges happened after we had already notified them that this was not us and they had supposedly canceled the card. I called to report this as additional fraud and they said they'd take a look at it. There were other cards used and those all were handled without any issues. 

Recently they came to their final decision, after multiple rounds of disputes, that this was indeed not fraud with the reason given of " You received benefit from this transaction ''. When I talked to a Chase representative on the phone they said this was due to the card being present and that since it was a chip card being used in person this wasn't fraud. I even sent in a police report to try to prove that we were not the ones using the card. Their insistence that the card simply being present means that we are benefiting is frustrating at best.
Product: Mortgage

the principle being payed vs the interest is criminal these charges are discriminating XX/XX/2023 payment due, we payed the 12 month period off. ( XXXX ) interest ( XXXX ) principal ( XXXX ) tax ( XXXX ) I called the company to reassess the ratio of principle vs interest.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX  of Debt Bondage and would like for all listed accounts to be blocked and deleted company information from XXXX and TransUnion. 

Please delete the following accounts : XXXX XXXX Account number : XXXX Balance Owed : {$19000.00} XXXX XXXX Account number : XXXX Balance Owed : {$1000.00}
Product: Credit reporting or other personal consumer reports

I am writing to have a following information removed from my credit file, the items that i need deleted are going to be attached in a word document, I am a victim of identity theft. I have multiple accounts and inquires that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show my accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report, I would like these items deleted from my credit report as soon as possible. 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 Section 603 Section 604 Section 605 Section 605A Section 605B Section 606 Section 607 Section 608 Section 609 Section 610 Section 611 Section 612 Section 613 Section 614 15 U.S.C. 1681 15 U.S.C. 1681a 15 U.S.C. 1681b 15 U.S.C. 1681c 15 U.S.C. 1681c-1 15 U.S.C. 1681c-2 15 U.S.C. 1681d 15 U.S.C. 1681e 15 U.S.C. 1681f 15 U.S.C. 1681g 15 U.S.C. 1681h 15 U.S.C. 1681i 15 U.S.C. 1681j 15 U.S.C. 1681k 15 U.S.C. 1681l Section 615 Section 616 Section 617 Section 618 Section 619 Section 620 Section 621 Section 622 Section 623 Section 624 Section 625 Section 626 Section 627 Section 628 Section 629 15 U.S.C. 1681m 15 U.S.C. 1681n 15 U.S.C. 1681o 15 U.S.C. 1681p 15 U.S.C. 1681q 15 U.S.C. 1681r 15 U.S.C. 1681s 15 U.S.C. 1681s-1 15 U.S.C. 1681s-2 15 U.S.C. 1681t 15 U.S.C. 1681u 15 U.S.C. 1681v 15 U.S.C. 1681w 15 U.S.C. 1681x 15 U.S.C. 1681y
Product: Checking or savings account

Chime decided to close my account due to violating their member services agreement on XX/XX/XXXX, I had approximately {$6700.00} in my Savings/Checking Account, and I had provided all of the requested documentation to release my funds immediately back to me. I've sent several emails and placed many phone calls to Chime and their customer support department and have not been helped. I keep receiving the same answer via email indicating I am not entitled to a refund. This is my hard earned money, I have provided proof and explanation of my deposits, everything is legitimate on my end, I have never had any issues with Chime or any other financial institution before, you can not hold my money, and claim I am not entitled to a refund, I didn't do anything wrong, that is my money. I have not been able to pay any bills, buy food, support my family, put gas into my car since XX/XX/XXXX, I have a car and insurance payment due on the XXXX and XXXX of XXXX, my rent is due on XX/XX/XXXX. I am escalating this matter to the fullest extent of the law until my hard earned money is refunded. I am filing a complaint with the Consumer Financial Protection Bureau next and will be hiring a law firm to file a Summons and Complaint against Chime and your associated entities for all of the damages and harm you have caused my family and I in this matter.
Product: Student loan

During the student loan payment pause period, I made voluntary payments of a total of {$27000.00} to my student loan account. According to Biden-Harris student loan relief plan ( https : //studentaid.gov/manage-loans/forgiveness-cancellation/debt-relief-info # refunds ), I'm eligible for a refund. In early XX/XX/XXXX, I called my loan service provider at the time XXXX to request a refund. Yet, XXXX transferred my loan to Aidvantage. Thus, I called Aidvantage to confirm my loan status, in which they told me that they would have loan information by the end of XX/XX/XXXX. I called back in the first week of XX/XX/XXXX, and Aidvantage do not have my loan information and told me that to check it back " next week ''. I called Aidvantage back on XX/XX/XXXX and they still do not have my loan information. As of right now, I have no access to my loan information or login information on their site. I'm concerned that I will not get my refunds. 

Timeline Summary : XX/XX/XXXX - I've tried to create an account to access Aidvantage website ; I'm not able to login. I called to confirm the status of my loan ; Aidvantage told me they would have my loan information by the end of XXXX. 
XX/XX/XXXX - I called Aidvantage again and they told me they would have my loan information by the second week of XX/XX/XXXX. I'm still unable to create an account or access their site XXXX XXXX I called Aidvantage and they still do not have my loan information or login access to their sites.
Product: Credit card

Some purchases were made for {$100.00}, {$420.00} and {$89.00} and all were returned to the Best Buy store and they issued their receipt and the credit to the Citibank Best Buy Credit Card is recorded, but said amounts have been in the state for more than 5 months. account and the bank and the store blame each other and no one has removed said amounts and they continue to bill me for them on the account statement, Correspondence and chat have been sent with support from the store and the bank and nothing that resolves and they close the disputes and without effect. 

The Credit card is only for purchases at Best Buy
Product: Debt collection

I called on XX/XX/XXXX to have my tv and internet services temporarily disconnected effective XX/XX/XXXX. All of my information was confirmed, I then placed the rep on hold and she disconnected. I assumed service termination was processed. I then received a bill the following month. I was told that my request for termination was not processed due to the phone disconnecting. The following month I was contacted by the buyback/loyalty department to get me to resign up for services. I explained the issue with them and was told the bill would be credited, and new services would be installed under a promotional rate and I would also receive a gift card for signing back up. Upon installation appointment there was no line of sight. Due to this, I returned the equipment and was told that my balance was XXXX dollars. I called in a few weeks later to confirm and was told that I did have a XXXX  balance. In XX/XX/XXXX I was contacted by Southwest Credit ( client reference number XXXX ) claiming they were calling on behalf of XXXX XXXX XXXX XXXX. I advised them I owed no money and they should not be calling me. Upon receiving the bill that XXXX XXXX XXXX provided them, I called and attempted to resolve once again and was told I would be contacted by the escalations team after they reviewed the recording and verified my initial request to have service terminated. I requested they pull all recordings thereafter as well so they will have the full story and know how many times I was told my balance was XXXX dollars. I have tried to resolve this issue on my own to no avail, I would like to have all notations on my accounts and all recordings reviewed and charges reversed and deleted. As my balance with this company should be XXXX dollars and I should not be harassed by collection attempts for a balance not owed.
Product: Credit reporting or other personal consumer reports

Im reaching out for help regarding an issue Ive been dealing with for a while now. My XXXX card ( account number : XXXX XXXX XXXX ) was opened in my name back on XX/XX/XXXX, but in XX/XX/XXXX, I found out that it was involved in identity theft. 

Since then, Ive been trying to get the account closed and removed from my credit reports, but nothing has worked. Ive contacted both Experian and XXXX, and they keep telling me the account is verified, even though its fraudulent. Ive also called XXXX and explained the situation, but I havent had any luck getting it resolved. 

I really need help with this. I just want the account closed and removed from my reports, but no matter what Ive tried, its not happening. Could you please assist me in getting this taken care of? I have filed another identity theft report as well. 

Thank you so much for your time and help. I really appreciate it.
Product: Credit reporting or other personal consumer reports

I am writing once again regarding the inaccurate information on my credit report related to incorrectly reported late payments on my credit card account XXXX XXXX  XXXX # XXXX. Despite my previous letters dated XXXX XX/XX/year> and XXXX XX/XX/year>, I have not received confirmation of the correction, nor have I observed any changes in my credit report. 

XXXX. XXXX. XXXX XXXX XXXX XX/XX/XXXX. XXXX XXXX. XXXX XXXX. XXXX According to the Fair Credit Reporting Act ( FCRA ), specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, you are obligated to correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of the information contained in consumer files. Additionally, 15 U.S. Code 1666b requires creditors to send periodic statements with the necessary information at least 21 days before the payment due date. Non-compliance with this regulation has resulted in the appearance of late payments on my credit report, adversely affecting my credit score. 

Additionally, under the Truth in Lending Act ( TILA ), section 15 U.S. Code 1637 ( b ) outlines clear disclosure requirements for creditors to ensure that consumers receive adequate information regarding their payment obligations. Non-compliance with these provisions can result in inaccurate and harmful reporting for the consumer. 

This is my final request for a reinvestigation and correction of the inaccurate information related to these late payments on my credit report.