23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I am a homeowner in Illinois, and my mortgage and escrow services are with Union Home Mortgage ( UHM ). <b> In early XXXX, we received a letter stating that our monthly escrow payments are being increased by {$570.00}, resulting in our PITI payments increasing from {$1600.00} to {$2100.00} ( due XX/XX/XXXX ). The rationale for this was that UHM estimated second property tax installment to be {$5300.00}. 

In reality, that number did not reflect 1 ) our homeowners exemption and 2 ) our successful property tax appeal. In fact, our actual property tax bill was {$3300.00}, or {$2000.00} lower than their estimation. I immediately contacted UHM to figure out how I could resolve this. They told me that I needed to submit my updated Illinois property tax bill, on XXXX County letterhead, to an email address called " XXXX ''. 

I had to wait about 2 weeks for my second property tax installment bill to arrive, at which point I submitted the documents to this email address. I received a mail delivery failure notice. I then submitted a complaint ticket on their website and submitted the same documents to a customer service representative on their chat service, who said that they opened a ticket for me. 

After 10 days of no action, it was the very end of XXXX and I called UHM again. They informed me that all of these methods are invalid, and that I needed to submit a formal query to " XXXX '' with an attached signature and relevant documents. They also informed me that since I have no deliquent or late payments on my record, I am granted a 15 day grace period, after which the review should be completed. 

It is now XX/XX/XXXX and there is no resolution. I called UHM again and they gave me the runaround. Every call with UHM takes 90-120 minutes due to their wait times. Three support agents later, I received no recourse. I asked the first support agent how I could cancel my escrow, she told me to email customer service. Her supervisor, who I spoke to later, told me that this was incorrect and that I need to mail or fax a written and signed letter. 

At first, they told me that they only do escrow reviews once a year in XXXX. However, they performed an escrow review in XXXX. They then told me that it can take 2 months for them to complete a review, even though they immediately sent me a hiked bill. 

This $ XXXX  monthly increase is causing substantial financial stress to my family, especially during covid. It was thoroughly arbitrary and miscalculated, and I feel like the company has either maliciously or through incompetence misled and and misinformed me through every step of this process, while also not resolving the issue or even acknowledging that this could adversely affect honest hardworking citizens. To add insult to injury, they paid my property tax installment last week. It was {$3300.00}, but they still refuse to back down from an escrow ask based on an estimation of {$5300.00}. 

Personally, I consider this to be mob-style theft, as it is money that I am not supposed to owe, that I am being forced to pay, and every attempt at correcting this mistake has been fruitless.
Product: Checking or savings account

I live in XXXX, Tennessee. A charge was made at a XXXX in Arizona for {$100.00} and some change. I called fraud, cancelled the card, and waited for them to basically say yes its fraudulent. To my surprise, they found nothing fraudulent with the fact that Arizona is 4-5 states away, and my most recent purchase after that was in XXXX. Hours away. I wasnt issued a refund, and Ive put in two rebuttals, and a final statement was given yesterday. saying I wasnt receiving a refund. Ive also asked for information on their investigation, Im wondering if Ill receive that too.
Product: Debt collection

The amount of debt of {$270.00} is not accurate. The company, CCS COLLECTIONS has not provided me with any proof of ownership or Bill of Sale regarding this debt. As far as I am concerned, I do not owe this amount and deny their allegation. This has negatively impacted my excellent credit rating. I've disputed the item with the credit bureaus, and they did not complete a thorough investigation. Instead, they utilized a two-digit code and left remarks on my credit report " Meets FCRA Requirements '' This account needs to be investigated and removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Please take notice of my intent to sue. In previous months, I requested the removal of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or response which I classify as frivolous, you have dishonored FCRA regulations and my request for verification. If you wish to correct this dishonor, I will give you one more chance to correct your errors and update my records. Please CORRECT the items, which you have failed to provide proper verification and another bureau has found to be inaccurate. You have 30 days to correct the items listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

In response to the recent investigation, I am submitting my disagreement with your findings and requesting complete accuracy. I am not satisfied that adequate measures were taken to contact the creditor responsible for reporting the information in question on my report. Consequently, I am now requesting further information regarding the following accounts : Experian : XXXX XXXXXXXX Balance Owed : {$2300.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$2300.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance Owed : {$2300.00}. As previously stated under the provisions of the Fair Credit Reporting Act 15 U.S.C. Section 1681i, I urge you to reinvestigate and update this disputed account. Please provide me with the names and addresses of the individuals contacted. You are allotted fifteen ( 15 ) days from the receipt of this letter, as stipulated by 15 U.S.C. Section 1681i ( 5 ) ( A ), to complete these actions unless you notify me otherwise. Failure to verify within this timeframe constitutes non-verification, and the items must be promptly updated in accordance with Section 1681i ( a ). Pursuant to 15 U.S.C. Section 1681i ( d ) of the Fair Credit Reporting Act, please inform me once the account has been updated.
Product: Student loan

After receiving a email from XXXX XXXX relating to a student loan under my Social Security number made me think that someone has stolen my identity so I checked it and I saw two different loans for two different amounts on my credit that went to somebody in a completely different state than where I reside in, and they used my maiden name instead of my marriage name. The dates that I found this to happen was XXXX XXXX XXXX of a grand total of {$4700.00} combined one loan was for {$3000.00}. The second loan was XXXX they both came from ED financial And upon contacting ED financial has sent me a fraudulent packet. It has taken them a couple of months to send that to me. The day I found out I filed a police report with my local department.
Product: Mortgage

Guild Mortgage Company I need to see the original promissory note for XXXX XXXX XXXX XXXX XXXX, GA XXXX. Also provide the location and a time and place that I can view this myself promissory note.
Product: Debt collection

On XX/XX/2020 the company called me with yet a different number. I answered the call and explained to the representative that I have previously spoke to a representative and made arrangements to pay when I can. I let her know that at this point I was feeling harrassed and to please stop calling. She laughed, she said to say that as long as I owe the debt they would continue to call. Well, since that day they have continued to call. They let it ring 2-3 times before hanging up and not leaving a voicemail. They have tried contacting me with various numbers as well.
Product: Debt collection

Ascension Point Collection is attempting to collect a decedent debt they say they have obtained from XXXX XXXX associated with XXXX credit. My father passed away XXXX XXXX, 2016. They are stating that {$300.00} is owed on a credit card associated with XXXX and this bank. XXXX and XXXX XXXX have been contacted and there is no money owed. They released all financial obligation upon his death. Further, they have never heard of this company and only associate with XXXX. No paperwork has been given via the bank to ANY collection agency nor will there be. Despite several calls, the company is saying payment is owed. This is a scam. No one from the bank has even heard of this company. They are insisting on payment and have sent paperwork and made numerous calls.
Product: Checking or savings account

I ordered some XXXX XXXX  as gifts for family and when I got home they were not there even though they were delivered according to XXXX. I Tried contacting XXXX with no luck so I dispute with Wells Fargo and a couple weeks later and told the claim is denied. 

This put me down XXXX and still no luck getting the XXXXXXXX replaced or refunded. No luck getting any help from Either company.
Product: Checking or savings account

I had had receive a loan from small business dept and the money was deposited there and because I withdraw a large amount of money they close me and my wife account
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I submitted a request to have negative information blocked from my credit report due to XXXX XXXX victim and according to the law it is supposed to be blocked with 4 days I called equifax for an update and they told me they had none and I just had to wait they also acknowledged they were aware of the law and too bad. They were extremely rude and I have no resolution as of yet and no ETA of XXXX.
Product: Debt collection

Friday XX/XX/XXXX they call me XXXX time in a row and have called everyday several times.
Product: Debt collection

We received a bill from XXXX XXXX in XXXX IL regarding a medical bill for visits. We eventually paid this amount using a XXXX/XXXX account. In or around XX/XX/XXXX we received a note stating the bill was sent to collections and we had 30 days to dispute. I immediately called Pro Com Services of Illinois Inc. and stated that I was disputing the validity of this debt because it was paid. The representative told me to get the dates of payment and she would check with the original debtor. She advised that she would contact me back. Assuming that valid or invalid we would receive at least a decision letter, I forgot about the debt completely after not hearing about it for months. Finally in XX/XX/XXXX while attempting to get pre-qualified for a home we found out that they had reported it to the credit bureaus the day or so before. The XXXX/XXXX provided the following information as well : Check XXXX was paid on XX/XX/XXXX and cleared the bank on XX/XX/XXXX in the amount of XXXX.
Product: Credit reporting or other personal consumer reports

Under FCRA 605B, you are mandated to eliminate any inaccurate accounts from my credit report. Could you review the documents? Some accounts listed have incorrect reporting, amounts, and dates.
Product: Credit reporting, credit repair services, or other personal consumer reports

FTC Violations please remove the accounts below : XXXX XXXX {$3100.00} XXXX XXXX XXXX XXXX XXXX  XXXX XXXX ftc XXXX XXXX XXXX XXXX XXXX
Product: Prepaid card

Im a user of NetSpend prepaid card. I got an email from XXXX at XXXX XXXX on XXXX XXXX. The title is Important Information Regarding Your Account REF # XXXX. I attached this email history in this complaint. The email asked me to call compliance department at XXXX. I called 5 times on Tuesday, 7 times on Wednesday, 2 times on Thursday. Nobody answered my call. I left multiple voice mails with my phone number. However, I didnt get any reply afterwards. I also got another email from XXXX at XXXX XXXX on XXXX XXXX. This email also asked me to contact NetSpend, but at a different number XXXX. I did call this phone number ( NetSpend customer service ) twice on Tuesday, once on Wednesday and twice on Thursday. All representatives confirmed I need to talk with compliance department directly because they have no other information about my case. But there is no direct number. They can not help me and I have to wait for call back from that compliance department. There was a fax number as well. But its not available for all days whenI send fax. Basically I did my best to reach NetSpend but get rejected all the times. I got a email from XXXX on XXXX XXXX on XXXX XXXX with a title Account Issue Resolved. Right after the email, I got another two emails from XXXX on XXXX XXXX on XXXX XXXX with a title Account Issue - Contact Customer Service. It asked me to contact XXXX immediately. I called this phone number on XXXX XXXX on XXXX XXXX. The representative checked my account and told me my account is closed for gambling activity. I deny this accusation but she can do nothing. She can not transfer me to any supervisor or corresponding department. So I got no other option but submit this complaint to CFPB. Obviously, NetSpend make unresponsible requirement and refuse communication at all. I didnt get any chance to talk with anyone indeed. Additionally, I dont get involved with any gambling activity. This is unreasonable and unfair treatment.
Product: Credit reporting, credit repair services, 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.

1. XXXX XXXX XXXX, XXXX Acct # XXXX, has violated my rights. 

XXXX. XXXX ACCT XXXX XXXX, has violated my rights. 

XXXX5 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: Consumer Loan

XX/XX/2015-as End of term on loan-balance XXXX of a 5yr loan. Honda Financial began calling repeatedly -placing calls to my work & home XXXX within a week- ( they have been asked NEVER to call my job ) -on XXXX call, Honda told me that the last payment should have been XXXX I informed HONDA that the last payment was out of my financial possibility ( monthly note XXXX. ) that the XXXX pmt has been made and that the last principle payment would be make in XXXX. HONDA- refused to make arrangements with me due to end of term??!! and began calling and harassing. I have asked HONDA to remove my number, I 've never missed a pmt, stop calling me-I 'm a human being PLEASE please stop going by your computer and be human ... .final pmt will be made XXXX - they informed me how they are going to report this as LATE on my credit, although it 's NOT -- I 've noticed throughout the life of my loan HONDA charged me a constant XXXX as late fees ( even when pmt was on time or with in a few days of due date and additional XXXX late fee ) in which HONDA automatically would charge the next month on the statement -when asked about the XXXX cent / and the double late charge -- I was told that its because HONDA applies the new payment -resulting in a late charge on my account -- I felt threatened, I told HONDA I 'm reporting this situation - I feel harassed, are they trying to MAKE me PAY moneys what I do n't have?? I have never heard of the last payment on term loan HIGHER THAN the monthly note -please assist on that matter. As well as I am concerned I may have be over charged in my interest on my loan -- please contact me with how do I place my name for review in that class action law suit??!!
Product: Student loan

Submitted XXXX application in XXXX. XXXX requested proof of income. Proof of income now provided multiple times ( beginning of XXXX being most recent ). Confirmed on XXXX that information was received and application would be fully processed by XX/XX/29, and that account would be in administrative forbearance during that time. Have received multiple notices of " overdue balance ''. Have had multiple contact attempts ( phone calls and emails ) not returned, and chat feature is always unavailable. Spoke with XXXX XXXX and was told that my application had been denied due to not receiving proof of income. I had not received any information regarding a denial, and when I mentioned previous confirmation about receipt of that info was informed that a request to review the completed app would be submitted now that they had it. Was told that this would take at least another XXXX business days, and that administrative forbearance " might '' update then.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed this account with Equifax three times. Account number XXXX XXXX XXXX XXXX. According to the re-investigation credit report confirmation number XXXX XX/XX/2022. Once again I disputed the date of last activity the reinvestigation report and I quote has verified to our company that the date of last activity is being reported correctly. As you can see in the report, the re- investigation file that Equifax XXXX me clearly shows the date of last activity is not accurate or correct. Because there is no date of last activity on the report. So this would make it incomplete and also inaccurate which they stated it was accurate. 

Equifax continues to violate federal laws. The FCRA is very clear inaccurate incomplete information must be removed. Please remove the account ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX ; XXXX, XXXX ; XXXX, XXXX ; XXXX XXXX  XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX AV XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1600.00} ; XXXX  XXXX XXXX XXXXXXXX Balance : {$2900.00} ; XXXX, XXXX XXXX XXXX : XXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$320.00} ; XXXX XXXX  Original creditor XXXX  XXXX Balance : {$100.00} ; XXXX XXXX Balance : {$240.00} ; XXXX  XXXX Balance : {$160.00} ; XXXX XXXX XXXX  Original creditor XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$100.00} ; XXXX XXXX XXXX Original creditor XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$51.00} ; XXXX  Original creditor XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$160.00} If you feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research items I found that requires you to verify with 100 % accuracy that each items is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the items are verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Credit reporting or other personal consumer reports

Unauthorized use of my non public information without my written consent. Per U S C Code 1666B and U S C Code 1681B and 6801 XXXX  XXXX XXXX XX/XX/XXXX open lates XXXX  XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Inquires that do not belong to me, Identity compromised/Fraud : Credit Bureaus contacted would not resolve the issue. 

XXXX Inquiries : XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/202XXXX XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX Inquiries : XXXX XX/XX/2022
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are still reporting on my Credit Reports and need to UPDATE completely from my Credit Report : XXXX XXXX XXXX Balance Owed : {$540.00} Date Opened : XX/XX/2002
Product: Credit reporting or other personal consumer reports

First XXXX is for the repossession of the car by XXXX XXXX XXXX they have not given me the letter in which they auctioned my vehicle for and then show me the accurate balance owed on that debt. Second one is for the USCB Corporation which bought the original debt from XXXX XXXX XXXX which is charging me {$470.00} for books and classes i never received. XXXX is the XXXX XXXX for XXXX that has been charged off and i am un able to get the 1099-C to have it removed. I would like them both removed from my report at all credit bureaus,
Product: Credit card

US Bank has charged unauthorized charges back to an account they closed. 
They are not legitimate and continue piling on unathorized charges to a closed account to fraudulently increased the amount owed on this account. 
All i want is a truthful balance so it can be paid off and I can be rid of this terrible Bank but they keep cheating denying due process on disputes that were open before the closure. 
This arbitrary process of charging a closed account and accunumlating fraudulent interest on top of it must stop now.
Product: Credit reporting or other personal consumer reports

In a attempt to have my credit report 100 % accurate and 100 % complete which is my right per the FCRA. I have disputed several errors on my credit report. Specifically regarding my XXXX XXXX XXXX XXXX account which has several errors including wrong dates, missing trended data and several months of missing payment history. I have detailed in my dispute letters and over the phone the errors that are reporting on my report. I have also included enclosures highlighting exactly what errors I am referring to. I have disputed a total of 5 times including once through my attorney and they have yet to correct these errors. If they will not correct this information this account must be deleted per the FCRA. I have gave them every opportunity to correct this information but they have willfully neglected their lawful duties to only report 100 % accurate and complete information. This is a very frustrating process and this is causing me great stress trying to resolve this. I have attached the dispute letter I first sent out XX/XX/year>. This letter is very detailed and Transunion should have had no issues identifying and correcting these errors.