23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I paid for flood insurance with the XXXX XXXX for my loan property since XXXX. The renew policy period covers from XX/XX/XXXX to XX/XX/XXXX. However, Ive been charged {$50.00} per month from BoA for Flood insurance since XX/XX/XXXX. 

Early XXXX, XXXX - received a letter from BoA regarding missing documents of my flood insurance policy XX/XX/XXXX - I immediately visited the BoA in XXXX XXXX, CA. The account manager in BoA CONFIRMED they had received the proper proof of insurance, no action needed and no additional charges. 
XX/XX/XXXX - I contacted my loan manager XXXX XXXX. She looked into the case and told me Flood insurance is mandatory to be included in escrow now instead of paying on my own, theres a guideline change and lots of change with mortgages this year XX/XX/XXXX - I called the customer service for assistance. Customer service provided me with the same answer as the account manager in BoA XXXX XXXX office, the reason why I was charged additional insurance is because they didnt receive a valid proof of insurance, so I resubmitted my insurance form. 
XX/XX/XXXX - I called customer service and was asked to check with the insurance department. They advised once the insurance department receives the right proof of insurance, they will process the refund of prior charges accordingly. Then a BoA insurance agent provided more detailed advice on what was needed on the proof of insurance, and confirmed Customer Service will need to process the Escrow removal and refund.I resubmitted the insurance policy. 
XX/XX/XXXX - insurance department finally confirmed they received the correct document. Now, they advise me to move on to the next step - contacting customer service to remove the escrow and process refund. I called customer service and no one responded. 
XX/XX/XXXX - I called customer service and was told the XXXX was placed in my account and mandatory for additional charge. 

Could you please help me to get the refund of {$200.00} insurance charged by BoA Escrow. I am covered by the XXXX XXXX, and no need to pay double insurance. 

Your immediate attention is much appreciated.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit XXXX XXXX XXXX XXXX information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Inquiries : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX BIRCHWOOD XX/XX/XXXX XXXX XXXX SERV XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/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  XX/XX/XXXX XXXX XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.
Product: Mortgage

Refinanced XX/XX/XXXX Wells Fargo is unable to correct problem that they created by adding escrow to the loan. Wells Fargo failed to pay property tax which caused home to go to tax sale. Spent three months telling them they forgot to pay my property tax. Finally in XX/XX/XXXX they paid taxes late which cause the next year escrow account to double causing financial issues. DO NOT NOT WANT WELLS FARGO TO PAY MY ESCROW. 
The following year computer decide to triple my escrow account as payment was under {$400.00} a month and with escrow around {$500.00}. Last years account was {$560.00} which should be XXXX dollars less and taxes and insurance should be no higher than {$500.00} This years escrow should be not {$600.00} for their mistake but again there was over {$800.00} short fall. Each time I call and right they delay and refuse to admit the mistake and give me credit. 
The customer relations department is terrible and just lie or transfer to another department Account XXXX Wells Fargo Bank
Product: Credit reporting or other personal consumer reports

I am submitting a formal complaint against TRANSUNION regarding inaccurate information reported on my credit file. The details in question have not been properly verified, substantiated, or documented as accurate and compliant. 

I have identified disputed entries on my credit report, and as a consumer, I am entitled to request the timely correction and update of this accounts status under my federal and state consumer protection rights. This complaint is being filed to ensure the reported information complies with the procedures outlined in FACTA Title 1, Section 151. 

XXXX XXXX XXXX XXXX : {$XXXX} Date Opened : XX/XX/year>
Product: Credit reporting or other personal consumer reports

I have a student loan through the servicer ECSI, opened in XXXX, which I paid off and closed XX/XX/XXXX. My monthly statements began in XX/XX/XXXX. I paid above the minimum payment every month until account closure. My credit, however, does not show the correct information for either XXXX or XXXX. 

With XXXX, this loan is not shown at all. I have had incredible difficulty submitting a dispute or contacting XXXX, and so have not had any contact with the company at all. I attempted to call XXXX at the number listed online ( XXXX ) on XX/XX/XXXX -- whoever answered asked me very personal questions, including my full home address and full SSN. He also texted me a verification code and asked that I give him the number. I stated that that behavior was strange, and I was nervous about being scammed. He said, " I need this information to verify your identity ''. This seemed very odd, so I hung up and have not tried again since then. 

With XXXX, I have submitted two disputes. At first, the loan showed at full balance, no payments, as of XX/XX/XXXX. I submitted the first dispute on that date, providing screenshots of payments and {$0.00} balance. The results of that dispute, ready XX/XX/XXXX, still led to inaccurate reporting -- the loan showed as closed, with payments of {$0.00} made from XXXX. I submitted the second dispute on XX/XX/XXXX to argue against these changes. The results from the second dispute, sent on XX/XX/XXXX, stated that the published information was correct and would not be changed. 

I called ECSI on XX/XX/XXXX to state that my payments were not being accurately reported to the bureaus. The representative stated, " There is no credit reporting on this account. You should reach out to the credit bureaus, '' and that there was nothing to be done on ECSI 's side.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your taking the time to FIX some of the erroneous items in my credit file ; however, there are still many items that need to be FIXED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

XXXX XXXX XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

My Wife and I called Global Lending customer service several times between XXXX, Request for the removal of a late payment reported to my credit. The payment was made on XX/XX/XXXX and XX/XX/XXXX. We spoke with the manager on duty, and they agreed to send us the payment history but was not able to remove it from my credit report. She told us, a payment for {$400.00} was made on XX/XX/XXXX and I was late paying {$53.00}, that is why they report it as a late payment. I made an additional payment on XX/XX/XXXX in the amount of {$900.00} to clear up the account, but they were not able to remove the late payment from my credit. In the past, I asked if my payment due date can be changed to a later date because it was conflicting with my rent that was due on the same day, and it would allow me to make my car payment on time if the date was changed. I explained to the manager on Wednesday XX/XX/XXXX and she agreed to change the due date.
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to look at my credit report and notice that XXXX XXXX XXXX is still reporting inaccurate information on all of my credit bureaus. I have paid this debt and they have agreed to remove the debt and it is still reporting on my credit. From my understanding the credit reporting agencies are supposed to be all accurate and I have attached where Date of last Active all are reporting with different dates, date of last payment ares seriously reporting inaccurately and each credit report agency are supposed to report on the same. I have attached documents
Product: Credit reporting, credit repair services, or other personal consumer reports

I want you to please look thoroughly at the attached documents to understand what happened.
Product: Credit reporting, credit repair services, or other personal consumer reports

TRANSUNION has repeatedly violated my consumer rights under the Fair Credit Reporting Act by continuously reporting inaccurate and unverifiable information on my consumer report. 

the law states the following 602. Congressional findings and statement of purpose [ 15 U.S.C. 1681 ] ( a ) Accuracy and fairness of credit reporting. The Congress makes the following findings : ( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

( b ) Reasonable procedures. It is the purpose of this title to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this title.

TransUnion has not followed reasonable procedures that have been put in place.

The law also states the following : 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a sub
poena issued in accordance with section 5318 of title 31 or section 3486 of title 18.

( 2 ) In accordance with the written instructions of the consumer to whom it relates.

TransUnion does not have permission by me the consumer to report this unverifiable alleged debt. TransUnion also does not have the order of a court having jurisdiction to issue such a order of a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18. 

Finally the alleged debt is now in XXXX XXXX XXXX via case number XXXX. The law states the following : 605. Requirements relating to information contained in consumer reports [ 15 U.S.C. 1681c ] ( a ) Information excluded from consumer reports. Except as authorized under subsection ( b ) of this section, no consumer reporting agency may make any consumer report containing any of the following items of information : ( 2 ) Civil suits, civil judgments, and records of arrest that from date of entry, antedate the report by more than seven years or until the governing statute of limitations has expired, whichever is the longer period.
Product: Credit reporting or other personal consumer reports

I traded the 2021 XXXX to XXXX XXXX on XX/XX/XXXX, when we purchased a new truck. The dealership failed to pay off the loan on the trade. They said they made a mistake and paid all but {$290.00} of the balance. When we learned it was not paid off, we called the dealership that said it was a mistake and they would next day air the payment. I also called the credit union and explained what happened. I also offered to pay the {$290.00} but they said I had to call back later. I the. Reviewed a letter from the credit union stating that if it wasnt resolved by XX/XX/XXXX, there would be a delinquent mark on my credit. I called the credit union back on XX/XX/XXXX to confirm it was paid in full and they said it was. I am not sure why the reported it as delinquent after I explained the issue, tried to pay it over the ohone, and had it resolved before their self imposed deadline.
Product: Credit reporting, credit repair services, or other personal consumer reports

I lost my purse at XXXX 3 years ago. I had utility bills opened in my name, credit cards, and even loans. I've been trying by myself to get this stuff off my reports. I need help. I was told y'all could help me. Please help me.
Product: Money transfer, virtual currency, or money service

Chase states on their website that money transfers from XXXX customers at banks that support instant funds availability ( which would apply to XXXX XXXX ) will get processed and appear in receiving account within minutes. I instructed someone to send me money using XXXX based upon the info provided. When the sender was ready to complete the transaction it showed an icon saying that it will be a real time transfer, after hours of waiting for it to appear in my account I called chase and was told would take 1-3 business days. I contacted XXXX and they confirmed that the money had already been transferred from XXXX XXXX and been processed by XXXX and made available to Chase. Furthermore on Chase website it showed as " accepted ''. Both XXXX XXXX and XXXX had completed their portion and were no longer in possession of the money. Chase continued to hold onto the money and refuse to release it. I would have absolutely not have used Chase XXXX with XXXX had I know this would be delayed.
Product: Checking or savings account

I opened the account but usually a day later or two days later they freeze then close my account and dont give me the specific reason. Even when asked to provide the information.
Product: Credit reporting or other personal consumer reports

I reached out to Equifax multiple times through phone or email. Each time has not resolved my issue. I have an issue with my account. My credit report has not been updated since XXXX. I am in the process of looking for homes and it has become difficult because of Equifax. 
I was notified that I needed to verify my information and unlock my credit score.
Product: Credit card

I signed up for a balance transfer with Citi a few months ago. I am fully willing and able to make all monthly minimum payments. I did not set up alerts to remind me of the due date for monthly payments - usually companies will send an e-mail or call to remind you that a payment is coming due. The first time I received any form of reminder to pay my monthly minimum on this new balance transfer was from a debt collector. I paid immediately, but noticed a {$27.00} late fee assessed to my account. Citi has been unwilling to waive the late fee, pointing to the terms of my contract. I explained that I understand the contract, but am seeking a goodwill credit because I did not receive any reminders to pay my monthly minimum on this new transfer ( i.e., it was not part of my monthly bill-pay routine, so it is understandable that I forgot about the new account ). I also set up autopay so as to ensure all future payments will be automatically debited. The reason I am contacting CFPB ( and NYAG ) is because I find it to be unreasonable for a corporation like Citi to not remind a customer of an impending deadline to pay their monthly minimum. It seems obvious to me that Citi was more interested in collecting the late fee than they were in receiving the monthly minimum. Please let me know if there is anything you think we can do. Thank you.
Product: Debt collection

Berlin Wheeler has been claiming I owe them money for an account that is not mine. Someone had an account and used enough of my info to have company think I owe them money. This started in XXXX. I worked with XXXX  who attempted to solve the problem. Berlin Wheeler is not listening to XXXX  XXXX from XXXX  case report XXXXThe information you disputed has been verified as accurate ; however, information unrelated to your dispute has been updated. ) My credit score has dropped by almost 100 points. They are strong arming me to pay a debt that is not mine. I at at a loss.
Product: Debt collection

AFNI collections put collection on my credit reports without my knowledge and in doing so, this violated the FDCPA Collection Practice by placing a collection account on my credit report without sending a letter to me. I request that AFNI verify the following information. 1. Full original Account Number 2. Date original Account was opened 3. Any written agreements between myself and the original creditor stating this debt is owed 4. Full account summary and itemized calculation of alleged debt 5. Date of the first delinquency 6. Dates and times of any phone calls made and to what number in attempt to contact me concerning the alleged debt before it was reported to an agency, and so proving that these calls were made in the times governed by FDCPA law. If AFNI is unable to provide the above identifying account information, this account must be deleted from all CRAs. AFNI also failed to follow FDCPA by not sending a letter giving the consumer time to dispute or validate the alleged debt within the allowed 30-day time frame that is allowed by law. Their address is XXXX XXXX XXXX XXXX, IL XXXX
Product: Debt collection

Debt was paid. I do not owe national credit adjusters or XXXX XXXX XXXX. The date is XX/XX/2018 XX/XX/2018
Product: Vehicle loan or lease

Due to COIVID 19 and goverment order of lock down, my place of work has been closed, causing financial hardships. Fast forwards, on XX/XX/XXXX, made a payment of {$1500.00}, spoke with the rep in regards to 2 months extension with XXXX XXXX monthly depreciation fee, which I agreed to. Now they are telling me they do not have a record of and repossessed my car while I was out with my XXXX children. Took the car seat, wallet and phone in the car. Been calling everyday since to find out how to get my car back and rep from redemption departement on XX/XX/XXXX @ XXXX advised that I will be able to pay the past due balances, bring the loan to current and pick up the car but after their system fully updates in 24-48 hourse, which is my intention. I was told to call back on Thursday XX/XX/XXXX for the update. Called and found out they transferred my car to auction house after hours last night, one day after repossession. Have not recevied any notices or phone calls regarding late payments, possible repossession etc. I tried calling many times but they are now saying something completely different than what I was told two days ago. For something they did not do, they insist they did, and something they did, they are saying there's no record of them doing it. Can not speak with the supervisor like I was advised to from redemption department. Keeps transferring to different department and can't get anywhere.
Product: Debt collection

A debt collection company by the name of SEQUIUM ASSET SOLUTIONS INC furnished an alleged debt on my consumer reports all while violating my federally protected rights. This company is not licensed to collect in the state of TENNESSEE, this company is damaging my reputation per 15 USC 1692d ( 1 ), and I did not receive any written notice in the mail giving me the opportunity to dispute the alleged debt. This company also gives off implications that their communication could be from an attorney per my consumer disclosure report from XXXX. A violation per 15 USC 1692e ( 3 ). Repeatedly sent electronic emails at inconvenient times while I was at work. I received emails at XXXX and after XXXX. A violation of 15 USC 1692c. This debt has not been properly validated. This behavior is both deceptive and abusive.
Product: Credit reporting or other personal consumer reports

Recently, I checked my credit report and noticed multiple billing errors under XXXX XXXX XXXX XXXX ( b ) Billing Error : ( 4 ) The creditors failure to properly reflect on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature on a statement.

15 U.S. Code 1666b - Timing of Payments ( a ) Time to Make Payments : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement, including the information required by 1637 ( b ) ( Statement required with each billing cycle ), is mailed or delivered to the consumer no later than 21 days before the payment due date.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Experian for failing to address multiple unauthorized and inaccurate entries on my credit report. Despite XXXX 's thorough investigation and removal of these items, Experian has continued to report the following unauthorized accounts and an inaccurate late payment : 1. **Unauthorized Accounts** : - XXXX XXXX, Account number : XXXX - XXXX XXXX XXXXXXXX XXXX Account number : XXXX - XXXX XXXX XXXX XXXXXXXX XXXX Account number XXXX XXXX XXXX. **Inaccurate Late Payment** : - XXXX XXXX XXXX, Account number : XXXX I have previously sent dispute letters to Experian, yet my disputes were marked as " verified '' without a proper investigation or notification of the verification method. This is a clear violation of the Fair Credit Reporting Act ( FCRA ) - 15 U.S.C. 1681i ( a ), which mandates that credit reporting agencies conduct a reasonable investigation of disputes. Furthermore, Experian has failed to provide the method of verification as required by FCRA - 15 U.S.C. 1681i ( a ) ( 7 ). 

Experian 's negligence also breaches the requirements under FCRA - 15 U.S.C. 1681e ( b ), which obligates credit reporting agencies to follow reasonable procedures to assure maximum possible accuracy of the information reported. Additionally, the continued reporting of inaccurate information from XXXX XXXX XXXX violates the Fair Credit Billing Act ( FCBA ) - 15 U.S.C. 1666 ( b ), which mandates accurate billing and correction of errors. 

Despite providing substantial evidence and XXXX removing the disputed items, Experian continues to report these inaccuracies, causing significant damage to my creditworthiness and financial standing. This negligence has resulted in emotional distress and potential financial losses due to higher interest rates and denial of credit.
Product: Debt collection

{$1600.00} was the original debt from XXXX XXXX XXXX XXXX XXXX. This was settled in court XX/XX/year> Transworld system incXXXX reporting {$3200.00}