23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

My mortgage was purchased in XX/XX/XXXX. In XX/XX/XXXX I received notice that my mortgage was increasing by 17 % due to lack of sufficient funds in my Escrow account. However, I have been paying the mortgage since I purchase my XXXX in XXXX to the present with no problems. I was told that the increase of {$230.00} per month was due to an increase in insurance and property taxes. I checked and learned that my insurance increased by {$140.00} for the entire year and my property taxes increased by {$7.00} for the entire year. Therefore, I do not see a reason to pay an additional {$230.00} per month. 

Since there is no law requiring that a VA loan have an Escrow account ( even though they tried to tell me it was required ), I asked XXXX to bill me for the property insurance from now on. I also went online and paid the first installment of the property taxes. I sent confirmation of payment of my property taxes to the mortgage company, but they went ahead and made an additional payment of the property taxes. Before that happened, I had pulled together enough money to pay off the negative amount of my Escrow account. I then told them that I do not want my property taxes or insurance in Escrow, but by paying the second part of the property taxes, they put my Escrow account back in the negative. It appeared that they would not release me from Escrow. I have since learned that my Escrow is now in the black to the tune of {$440.00}. Everything is now paid, therefore, they should release me from Escrow and recalculate my mortgage payment to reflect only the loan amount at the 3.25 % interest rate. 

Finally, I had just broken my leg at the beginning of XXXX, and so I did loose track of the mortgage payment for one month. When I talked to them, they were definitely not easy to deal with and told me that the only way they could help me was if I would refinance ''. Refinancing would take my interest rate from 3.25 % to approximately 8.5 %. This increase in interest would not decrease my payments and does not make sense when I am unable to work for only 3 months, until the first or second week of XXXX. I can not believe they do not keep better records, and especially that they would treat a veteran like this.
Product: Credit reporting or other personal consumer reports

I still have a active fraud alert after I repeatedly disputed and turned off the alert
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, My letter was stamped received by XXXX Credit Bureau. The letter was a request for reinvestigation into accuracy of information being reported on my credit file.. Per the federal mandated time for this investigation. By law is 30 days, for the investigation upon completion of the results, I am to be made aware of whom completed the investigation results, whom was contacted in reference to the investigation, completed results, and how was the investigation information was obtained, The account XXXX Acct # XXXX is reporting inaccurate on my credit file, XXXX XXXX Co, Acct # XXXX, XXXX XXXX XXXXr Acct # XXXX, XXXX & XXXX Acct XXXX XXXX. As, of the date of this letter I have not received my results of my investigation. From XXXX Credit Bureau per federal law the mandated required time of 30 days has lapsed. Due to no response, and the non deliverance of my credit investigation results, and nor a copy of my updated credit file. My federally constituted rights has been violated by XXXX Credit Bureau. Per under section 15 USC 1681.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against Experian for failing to properly investigate inaccuracies in my credit report and for not providing the required description of their investigation procedures, as mandated by the Fair Credit Reporting Act ( FCRA ). 
Details : Failure to Investigate Disputes : On [ insert date ], I submitted a formal dispute to Experian regarding inaccuracies in my credit report. Despite providing all necessary documentation, Experian failed to conduct a reasonable reinvestigation of the disputed information, as required by 15 U.S.C. 1681i ( a ) ( 1 ) ( A ).

Lack of Procedure Description : Following the inadequate investigation, I requested a description of the procedures used to determine the accuracy and completeness of the disputed information, as stipulated in 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). Experian did not provide this description within the 15-day timeframe mandated by the FCRA.

This lack of compliance has caused significant distress and potential financial harm. I urge the CFPB to investigate Experian 's practices and enforce adherence to federal regulations to protect consumers like myself. 

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

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish on account without my written instructions under 15 USC 1666b a creditor may not treat a payment on a credit account under an open-end consumer credit plan for any purpose.

Subsection I state that transactions are not included in the Consumer Report
Product: Mortgage

I got a mortgage from XXXX XXXX XXXX on XX/XX/2017 and paid at closing {$1000.00} in interest for XX/XX/2017 through XX/XX/2017. Four days later, on XX/XX/2017 XXXX XXXX XXXX transferred/sold the loan to Wells Fargo ( loan # XXXX ) along with the interest of {$820.00} for XX/XX/2017 through XX/XX/2017. Wells Fargo refuses to acknowledge that this amount XXXX {$820.00} XXXX was received and, accordingly, this amount is not included in the interest amount that is reported on the tax form XXXX. Wells Fargo 's claim of not acknowledging receiving interest is preposterous. I highly doubt that when Wells Fargo loans money it would let anybody else keep the accrued interest, even for a day. I'm attaching my communication with the mortgage originator XXXX XXXX XXXX that clarifies the situation. Another aspect of the problem is since loan processing is highly automated I suspect that I am not the only customer who had his mortgage transferred to Wells Fargo mid month and had the interest reported incorrectly on the XXXX tax form. There should be plenty of customers like me whose XXXX will need to be corrected.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX NJ XXXX XXXX XXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

On XXXX XXXX, XXXX at XXXX PST I called Universal Recovery Corp to inquire on debt I found on my credit. A gentlemen answered the phone and I ask for the current balance. For account # XXXX he stated I owe {$66.00} and for account # XXXX he stated I owe {$83.00}. I asked him how come the balance is different on my report, it says I owe {$56.00} and {$55.00}. The collection company representative said " the discrepancy is because we have n't re-reported to the credit bureaus, XXXX XXXX was the last time we reported on the stonewood account, and XXXX XXXX on the clearside account '' I asked him if that meant his establishment does not report current and accurate information to the credit bureau and he stated " yes ''. 

This is fraud! If they are n't reporting current and accurate information on my credit what else are they falsifying. My best-friend owns a collection agency and they report to the CB twice a month to make sure everything is accurate and current. What if I was making payments, or anyone for that matter, this company does n't report payments being made? This is terrible business practices and they should be audited to ensure they are n't committing any crimes or falsifying anything major!!!
Product: Student loan

I have signed up for a loan forgiveness program. However I am starting to believe this may be a scam. The company in which I have signed up with is called XXXX XXXX XXXX. When I try to contact the individual in which I spoke to originally, there is no way to contact him. There is an official website XXXX XXXX   XXXX This company is charging a fee of $ XXXXmonthly for 24 consecutive months. I was informed that a company should never charge a fee to enroll into a loan forgiveness program. Payments are taken directly out of my account to a company called XXXX XXXX XXXX. Account # XXXX. 

Contact information that I was given initially is XXXX XXXX | Enrollment Advisor XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, CA XXXX Direct Line XXXX | Fax XXXX Visit us at XXXX The contact number for this company XXXX.
Product: Credit reporting or other personal consumer reports

Experian is illegally reporting XXXX Negative Accounts from a Company named XXXX XXXX. I have never done business with this company. Experian is in violation of FCRA XXXX05B ( 15 U.S.C. 1681c-2 ) which states a Credit Reporting Agency has 4 Days to Block information from my report that is a result of Identity Theft. I sent Experian an FTC Identity Theft Affidavit to report this in XXXX. Ive made several follow up calls to their XXXX XXXX to resolve the issue. Experian still hasnt removed the fraudulent accounts from my credit report. The fraud XXXX placed a Fraud Alert on my credit file but still refuse to remove the accounts. Experian is claiming the account is not eligible to be removed. When asked to provide further information as to what information they are using to validate/verify this account, the representatives insist that they can not provide me with any further details. I have a right to know what information they are using to make this determination but Experian refuses to disclose what Data/documents they have been provided. I am the victim of Identity Theft and Experian has a lawful obligation to follow the law and remove this from my credit report.
Product: Credit reporting or other personal consumer reports

I DONT RECOGNIZE THIS ACCOUNT XXXX XXXX XXXX Date Opened XX/XX/XXXX Date Closed XX/XX/XXXX I DONT RECOGNIZE THESE INQUIRIES XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have violated my rights. 


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.
Product: Payday loan, title loan, or personal loan

i got a {$1000.00} loan on my truck told them for the start my payday is on the XX/XX/XXXX of the month because im on XXXX.i get way behind because i was being charged daily on interest .a 12 month old loan and at 10 months i was informed i had only paid {$40.00} toward the principal.well to get them off my back, calling me day in and out, the refinanced a second loan of which i was 6 days past due and only had half my payment which was $ XXXXI went to the office on the XX/XX/2019.they refused my payment, claimed they can not take anpost dated or personal check.the next day i get a letter in the mail if i dont have 2 full payments of {$160.00} which comes to a total of {$320.00} the are going to repo my truck and thats truck is all i have that is worth anything and it 24 yrs old.i cant lose my truck ts all i have to get me to and from my drs apts.i dont have family or friends that can help me.im all by myself.
Product: Credit reporting or other personal consumer reports

I reviewed my credit report, and notice that my account for XXXX XXXX XXXX  account # XXXX type, Credit Card, and noticed a couple of late payments of the year off XXXX, and XXXX that I was never late for. Consumer Reporting Agencies have a vital role and a responsibility to report Consumer to their best ability with maxim accuracy. I have never been late on the payments for the account # XXXX. Please investigate and provide proof showing these payments were late. If proof can't be provided I demand these payments to be updated on time as I was NEVER LATE. Thank you in advance.
Product: Checking or savings account

XX/XX/XXXX My Bank of America account was compromised.

XX/XX/XXXX I realized my account was compromised. I called Bank of America to advise that a charge had been made on my Business checking account by XXXX on XX/XX/XXXX that I did not authorize.

*XX/XX/XXXX I spoke to XXXX XXXX the first time I called and he told me to go online and print a form called the Unauthorized ACH Corporate Return Form *I filled out the form per his request and faxed it to the following number XXXX * I asked XXXX what would happen if my account goes negative as a result of this money being taken out of my account considering I knew I had other monthy recurring charges I expected to be withdrawn from my account. He said I would have to call back if BOA did indeed charge me fees for insufficient funds. XXXX said to call back on XX/XX/XXXX to find out if the dispute form had been received by BOA. He also said to call XXXX, which I had already done. XXXX switched me around to 3 different departments and the 3rd rep hung up me when I asked to speak to the manager.

*Sure enough I did start receiving multiple fees for insufficient funds and now I can't pay my car note because this was not dealt with timely by BOA *XX/XX/XXXX I called boa and spoke to XXXX XXXX . I called to find out if they had received the Unauthorized ACH form that I sent on XX/XX/XXXX. She put me on hold for a while and then she said " He told me you have the wrong account number on the form ''. So I went an got the form and read the numbers to her. She said " Yes, that's definitely your account number, hold on and let me ask him about this again. '' I hold on. She comes back and says " He said resend the form ''. I told them I couldn't resend the form today because I had a XXXX XXXX so I wouldn't be going to the office on XX/XX/XXXX *XX/XX/XXXX TODAY I went to the nearest Bank of branch to speak with someone but they told me that there was a 40 minute wait and I could come back the next day, which is tomorrow. Meanwhile, my account continues to sent in the negative, and I can't pay my bills from this account because someone stole my money and BOA is not helping me.
Product: Payday loan, title loan, or personal loan

I am currently listed as a victim in XXXX County, Virginia Supreme Court case CL-2018-0006258 against NC Financial Solutions of Utah , LLC [ Net Credit ]. I took out a loan with them in 2019 with no clear indication of bi-weekly payments or interest accrued for the loan to find that the interest rate determined to exceed 50 %. Net Credit was aware that they were unlawfully violating the Commonwealth of Virginias Consumer Protection Act when the original loan documentation was sent to me. I was advised to halt payments until the case was settled with the Commonwealth of Virginia and Net Credit is still reporting to the credit agencies after correspondence. Net Credit managed the loan transaction to extract the maximum value for itself without regard for the borrower 's ability to repay the loan which is predatory lending and constitutes a crime against individual consumers and Virginia State Law.
Product: Mortgage

Planet Home Mortgage is refusing to defer mortgage payment for clients due to economic injury the nation is experiencing as a result of COVID19. They are only offering forbearance which will make a lump sum of 3 mortgage payments due in 3 months.

This is against the Government stimulus package and does nothing to help us. We are asking for a deferral of our payments as other honest lenders are doing, such as XXXX. 
So far, XXXX XXXX XXXX are deferring payments for 120 days. 
Planet is simply accumulating the payments for 3 months then forcing a refinancing when we havent been able to save up 3 months of payments.
Product: Credit reporting or other personal consumer reports

This letter is being sent in response to a consumer report recently obtained by the Claimant from XXXX, XXXX, and XXXX. Please be advised that RESURGENT/LVNV FUNDING LLC is reporting damaging information, which has caused undue distress.

It is my contention that RESURGENT/LVNV FUNDING LLC lacks standing to report such information or to attempt collection on the alleged debt. Accordingly, be advised that your claim is disputed and validation and proof of claim of the disputed debt is requested in accordance with the Fair Debt Collection Practices Act, 15 USCG 1692 et seq., and the Fair Credit Billing Act, 15 U.S.C. 1666.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. You must remove/block any items that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX, NV XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, OR XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXXXXXX Balance : - XXXX XXXX Balance : - XXXX  XXXX Balance : - XXXX XXXX XXXX XXXX XXXX : {$540.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX ) XXXX Balance : {$470.00} XXXX XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX ) XXXX Balance : {$430.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX / XXXX ) XXXX Balance : {$710.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$540.00} XXXX XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX ) XXXX Balance : {$430.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX / XXXX ) XXXX Balance : {$710.00} XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX XXXX Balance XXXX {$540.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX ) XXXX Balance XXXX {$470.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$240.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX / XXXX ) XXXX Balance : {$710.00}
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Account Name : XXXXXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX and list of Inquiries. 

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 XXXX 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX, have no choice but to submit a complaint against a nationally known vehicle finance company known as XXXX XXXX XXXX. My argument is based upon the implementation of two separate federal laws, the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. My argument is against an abusive derogatory placed on not only mine but my wifes credit report, with each respective credit reporting agencies, XXXX, rans Union and XXXX  respectively. I have had an impeccable payment history with XXXX XXXX XXXX since XXXX, as he attached credit reports shows Account Number XXXX opened XX/XX/XXXX, a perfect payment history until the vehicle was traded in for a new lease in XX/XX/XXXX. That loan payment history was perfect Account XXXX XXXX. As you can see from the attached two credit histories of the same account, on XX/XX/XXXX the account shows PAID. CLOSED/NEVER LATE as of the lease close out XX/XX/XXXX. At that time my wife XXXX took a new lease with XXXX XXXX XXXX XX/XX/XXXX. Is was not until a month later when both me and my wife received a notice by mail that there was an additional charge on vehicle maintenance. I made the necessary arrangement to pay the additional lease charge that had absolutely nothing to do with any payment history. XXXX XXXX XXXX can not mingle payment histories with any substantive collection issue after the fac. This is in fact not only a Fair Credit Reporting Act violation but a violation under the Fair Debt Collection Practices Act : Amended consumer rights Fair Credit Reporting Act Public Law 15 U.S.C. 1681 : https : //www.consumer.ftc.gov/articles/pdf-0111-fair-credit-reporting-act.pdf Fair Debt Collection Practices Act : https : //www.ftc.gov/enforcement/rules/rulemaking-regulatory-reform-proceedings/fair-debt-collection-practices-act-text If XXXX XXXX XXXX had a financial issue with the lease, then after the payoff the only remedy would be through the FDCPA. FCRA does not apply..period. Accordingly, XXXX XXXX XXXX has applied a separate but highly illegal interpretation in its collection criteria by abusing the FCRA along with its tightly controlled subscriber agreement with each respective credit reporting agencies. The Consumer Financial Protection Bureau is the super-ceding authority on the implementation of FCRA, and I believe that the XXXX   XXXX XXXX company should be investigated including a full legal review of its contractual agreements with the general public. Sanctions are of necessity on this issue. I demand the late payment back-dated to XX/XX/XXXX be deleted, and that XXXX XXXX XXXX issue a policy change to the American public through the CFPB.