23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

My account with the XXXX XXXX and i was never late! I have had exceptional payment history with this company and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported In XX/XX/year> to be removed They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( 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 section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. This company never sent The periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports.
Product: Credit reporting or other personal consumer reports

I want these wrong accounts on my credit file checked and fixed. According to the Fair Credit Report Act, I should get {$1000.00} for each error. FCRA 605B says to report wrong accounts on credit files.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and updated from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXX 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 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
Product: Mortgage

On XX/XX/year>, my mortgage was transferred from SLS Mortgage Servicing to NewRez Shellpoint Mortgage Servicing. On XX/XX/year>, Shellpoint conducted a new escrow analysis and incorrectly included a charge of {$6700.00} for flood insurance. This error inflated my projected escrow balance, which in turn significantly increased my monthly escrow payment from {$680.00} to {$1000.00}. As a result, my total mortgage payment rose from {$1300.00} to {$1600.00}, effective XX/XX/year>. 

This inclusion of flood insurance is a mistake, as flood insurance is already paid for through my XXXX XXXX XXXX ( XXXX ). Documentation confirming this coverage was provided well in advance of the escrow analysis. The XXXX manages and pays for the flood insurance on the property, and we have records substantiating this. 

Timeline of Communication and Attempts to Resolve the Issue : XX/XX/year> : My daughter, who is authorized to act on my behalf, contacted Shellpoint and was transferred to the insurance department. The agent confirmed that the inclusion of flood insurance in the escrow analysis was an error. She was then transferred to the escrow department, where she was advised to call back in XXXX hours to request a new escrow analysis. 

XX/XX/year> : Another call was made, and Shellpoint confirmed that a request for a corrected escrow analysis had been submitted. 

XX/XX/year> : A follow-up call was made to check the status of the request. Shellpoint informed us that the request had not gone through because the insurance department had failed to add notes regarding the flood insurance. During this call, the necessary notes were added, and we were transferred back to the escrow department to submit another request for the analysis. We were also told that the matter was escalated, and we were advised to call back in three days for an update. 

XX/XX/year> : We called again and were informed that the escrow analysis was still in progress, with a completion date of XX/XX/year>. 

XX/XX/year> : Due to the unresolved error, I was forced to pay the incorrect mortgage amount of {$1600.00}. 

XX/XX/year> : A follow-up call revealed that the escrow analysis was still not completed, as Shellpoint was running behind schedule. 

As of XX/XX/year>, the issue remains unresolved, and Shellpoint has not provided the corrected escrow analysis, despite multiple follow-ups.
Product: Debt collection

Requested 2 times to verify debt company does not comply and provide ( letter attached ) Tried calling company stated I owe debt and they do not have to provide back up.
Product: Mortgage

This letter is to notify you about a problem I am having with Chase XXXX Lien Holder Department in regards to prolonging the short sale process of my property at XXXX XXXX XXXX, XXXX, XXXX XXXX. 
I am dissatisfied with the Short Sale Department at Chase because I have now been informed that the file has been selected for yet another internal review for the THIRD time. The file was OK 'd by the management department and was sent to the closing department to finish the short sale process. Now, randomly Chase has decided to pull the file once again to do another internal review of the file KNOWING that the short sale approval for the XXXX bank XXXX is expiring on XXXX XXXX, 2016. 
XXXX has already extended their short sale approval XXXX times to accommodate Chase 's numerous internal reviews and rejection of previous buyers and real estate broker. The short sale approval from XXXX expires on XXXX XXXX, 2016 and I 'm not sure if they will extend it again. 
To be honest, this entire process has been a nightmare. I can tell you frankly as a homeowner who now finds herself in the situation where she needs to short sell a house, I am disappointed and sad about my own inability to successfully complete a regular sale of my property. When I was laid off a year and a half ago after going on XXXX leave to look after my XXXX, I was desperate to find solutions to deal with a difficult financial situation. That situation has only become worse with our property catching fire and sustaining considerable damage. I am now currently looking for work in XXXX as I have been unemployed for over a year and have been advised that there is more work available there. Living with help and assistance from family and friends I have been able to get by. However, with the property being located in XXXX and being in XXXX, this is a big source of worry. Also, a neighbor that I am still in contact with has told me that there have been many suspicious people on and around the property attempting entry. This property is a serious liability and has caused XXXX for me. My only hope was that Chase would be able to see that I am a homeowner who is attempting to do the right thing and let go of this property in a way that will satisfy all parties involved. 
I now realize that Chase does not want to assist me in my efforts to complete a short sale on the property. It seems that Chase would rather have the property foreclosed on. 
I wrote a letter to XXXX XXXX XXXX dated on XXXX XXXX, 2016 to try to resolve this internally with Chase with no luck. See that letter attached.
Product: Debt collection

Subject : Acct XXXX I had a XXXX XXXX acct # XXXX on recurring payment for this account and never missed a payment and when I turned this car in XX/XX/XXXX for my new XXXX ( acct XXXX ) it turned into a complete nightmare. i had 7 months of payment left and was told i would have a final bill that would tell me how much i owed XXXX. I contacted XXXX in XX/XX/XXXX and was told that there is a process involved where they have to sell the car in an auction and that the final payment would not be available immediately and I would be sent a bill when it was. From XX/XX/XXXXuntil i moved into my new apartment in XXXX I never received a bill but instead I received an alert from XXXX XXXX in XX/XX/XXXX that I was reported to collections, when I spoke to a representative they explained to me that there were several accounting errors done on this file and that it required a supervisors attention. When i spoke to supervisor they initially told me it showed that this car was turned in late XXXX and when i told them it was wrong that i turned my car in for the new XXXX and gave them the account they did not under stand why it took this long to get a final pay off amount. Finally, on XX/XX/XXXX a supervisor was able to fix the errors and produce the final billing amount which included a customer credit for the errors and inconvenience, I made a payment in full the same day for {$2400.00}, the supervisor also tells me that this collections account should be removed off my account but required I reach out to someone in the Credit department. I am currently in the final stages of the home buying process but just got denied due too instead of XXXX retracting this collections account from my credit report, XXXX apparently updated the account status and closing date. When I called XXXX on XX/XX/XXXX regarding this matter I was told my account was still not closed because I still owe XXXX money. After I spoke to multiple representatives I finally got a supervisor who again apologized for another accounting error and that my account is indeed closed in good standing and left notes to have this collections account removed from my credit report. This is very important Ive been and continue to be a loyal customer to XXXX, I have always paid all my XXXX bills on time and still to this date have my account on recurring payments to insure that i don't miss a payment. i need this retracted from my credit report ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

I never had business with either of these companies and truly have no idea who they are..I do not owe this debt. You need to get this XXXX off my credit report immediately as it is damaging to me XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Several Collections are being reported inaccurately. They are being reported as open with past dues balances. They are also reporting a unverifiable public records And a address
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX SSN : XXXX XXXX : XX/XX/XXXX To Whom It May Concern, I am writing to formally dispute and address several inaccuracies and violations on my credit report, as well as to reiterate my rights under applicable laws. I believe that the accounts listed below have been inaccurately reported, and I am seeking the immediate removal of these unverified accounts from my credit report : XXXX | XX/XX/XXXXXXXX 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 XX/XX/XXXX I must emphasize the urgency of addressing these concerns. The inaccuracies and unverified accounts on my credit report have had a profound and distressing impact on my life. The financial strain caused by these errors has affected my ability to secure loans, housing, and even suitable employment opportunities. 

To illustrate the emotional toll, allow me to share a personal story. As I stood before my dream home, the culmination of years of hard work and sacrifice, I was met with the crushing reality of the negative impact these inaccuracies have had on my credit score. The lender 's hesitation, the doubt in their eyes, and the subsequent denial of my mortgage application shattered my aspirations. The weight of these errors has caused sleepless nights, overwhelming stress, and has taken a toll on my physical and mental well-being. 

I implore you to take immediate action to rectify these injustices. Under the Fair Credit Reporting Act ( FCRA ), it is my right to have accurate and verified information on my credit report. These unverified accounts not only violate my rights but also contribute to a cycle of financial distress that I am struggling to overcome. 

In light of these circumstances, I formally request that you enforce my legal rights under the FCRA and other relevant laws by : Investigating and verifying the accuracy of the disputed accounts. 
Removing any unverified accounts from my credit report. 
Providing me with written documentation of the investigation and resolution. 
I understand the vital role credit reporting agencies play in our financial system, and I trust that you will treat my case with the utmost care and urgency it deserves. 

Thank you for your prompt attention to this matter. I look forward to receiving a written confirmation of the actions taken to rectify these issues within the legally mandated timeframe. 

Sincerely, XXXX XXXX
Product: Mortgage

My loan with Carrington Mortgage was paid off through the sale of the property on XX/XX/XXXX. On XX/XX/XXXX, I contacted customer service regarding the status of the escrow refund check as we were in the process of moving and had no way of retrieving any mail that slipped through the mail-forwarding. The representative told me the check ( number XXXX ) in the amount of {$2100.00} was mailed on XX/XX/XXXX, and I would need to wait 15 days before calling to request the check be voided and resent. 

I have since attempted to follow up, but now that my loan is paid off the customer service phone number no longer recognizes my phone or loan numbers. There is no way to circumvent the dialer rotary to speak to a representative. 

On XX/XX/XXXX I sent an email and left a voicemail for Carrington Mortgage on their Advocates phone number and email address. Then on XX/XX/XXXX I was contacted by XXXX XXXX that my inquiry was opened, and he would email me with a follow up same-day. I did not receive an email from him or Carrington. The following day, XX/XX/XXXX, another representative from Carrington Mortgage called, stating the escrow check would be issued. 

I have not heard anything from XXXX, the other rep, or Carrington Mortgage since XX/XX/XXXX. 

I'm not sure what is going on here, but I need my money refunded to me immediately. I need the timeline of refund and tracking information for my refund check provided as soon as possible. 

Carrington Mortgage is not responding to my emails, inquiry with XXXX, or any other communication. I need help with this. 

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

Problem having with Experian, XXXX and XXXX they are reporting these Two Fraudulent accounts on my credit report listed below : XXXX  XXXX XXXX Account : XXXX and XXXX XXXX XXXX XXXX  Account : XXXX Also Name Reporting on my credit report is also wrong My legal Name is XXXX XXXX I do not want any other names reporting on my credit report
Product: Credit reporting or other personal consumer reports

It has come to my attention that my credit with you has been compromised. I note with concern that despite multiple attempts and the submission of an FTC fraud report # XXXX, you have not taken action to REMOVE items, particularly these fraudulent accounts. This marks my eleventh attempt to notify you that I am a victim of identity theft, and I submit this complaint to dispute these items, specifically the accounts in my file resulting from the crime. The items in question do not relate to any transactions involving the acquisition of goods, services, or money that I have made or authorized. Kindly remove the reporting of these accounts and their information from my credit file, as they resulted from an alleged identity theft. Attached to this complaint is my newly filed FTC report # XXXX : -- -- -- -- -- -- -- -EXPERIAN XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX I, XXXX XXXX Balance : {$2000.00} -- -- -- -- -- -- -- -XXXX  : XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXX Balance : {$0.00}. These accounts are unknown to me, and I express doubts about their accuracy, considering that the information on these accounts has been DELETED from other bureaus. The reported payment history on these accounts remains a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind, and in accordance with FCRA Section 605B ( a ), Credit Reporting Agencies are mandated to remove any items in the file of a consumer that the consumer identifies as information resulting from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Debt collection

This is the second XXXX XXXX account that I have made a complaint about. I have no recollection of even opening this account and informed them that several times I have been a victim of identity theft and that there is a statement on my credit bureau stating this as well as I am to be contacted before any accounts are opened, which I was not. Portfolio Recovery is reporting this to the bureau. I will be sending cease and desist letters to stop reporting and removing within 30 days. The amount that is due on this account is {$650.00}.
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
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 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 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 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 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: Credit reporting or other personal consumer reports

I RECENTLY OBTAINED A COPY OF MY CREDIT REPORT AND NOTICED FRAUDULENT OPENED ACCOUTS ON MY REPORT. I HAD A XXXX XXXX AND MY PERSONAL INFORMATION WAS COMPROMISED THAT SAME YEAR AND AGAIN DURING THE XXXX XXXX BREACH. I HAVE NOKNOWN KNOWELEDGE OF THESE ACCOUNT AND THEY ARE HURTING MY ABILITY TO OBTAIN CREDIT
Product: Credit card or prepaid card

I made a complaint to the gift card agency over 4 moths ago and they stated it would take them 30-120 days to trace {$75.00} that was taken from the XXXX gift card from ( XXXX ) that wasn't authorized. Initially, I ordered a food purchase for {$25.00} after loading the gift card with {$100.00}. Immediately after I used the card for that purchase only and then within 15 minutes after making the purchase, the card was depleted of its full value. 

I called the gift card company and made a complaint and they immediately suspended the card and sent a new card. They fail to provide updates, they are rude every time I try and call for updates and they never can state why its taking so long. The only answer I get from them is that they are waiting on the company to respond. I filed a complaint with CFPB two months ago and still nothing has happened no updates no anything. Unfortunately they have caused more of a financial strain as it was to be used for a bill and that caused a trickle down effect to where my family and I are still trying to recover. 

It is my feeling that this gift card company is trying to keep the funds by delaying my refund via the gift card or check since its past the 120 day mark and they fail to send updates or anything. Calling them only begets them being rude about funds that are not theirs but is mine. 

I am begging for assistance in this matter because this company is showing they are committed to keeping my funds for an unauthorized transaction.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordane 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. states I have the right to privacy.

15 U.S.C 1681 section 604 A. section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 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 ) ( 1 ) 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.

15 U.S.C. 1666b A Creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason