23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I am writing in response to your recent correspondence and response regarding my concerns about SPSs handling of my escrow account for property taxes and insurance. I believe your response did not address the core issues I raised, specifically : Failure to Pay Property Taxes on Time SPS did not explain why it never paid my property taxes on time, even though an escrow account was established. I called SPS because the taxes were due, it was not an ommitted or revised tax bill. Tax escrow set up in XX/XX/year> so SPS receives all the tax bills. 

As you are aware, the loan documents clearly state that the servicer ( SPS ) bears the responsibility to pay taxes and insurance on schedule using the funds in the escrow account, this was never changed. 

Despite the clear contractual obligation, SPSs late payment resulted in a penalty of {$6.00}, which I was improperly charged.

Improper Late Penalty Charged to the Borrower Because SPS failed to make the tax payment before the due date, I received a late penalty. However, I should not be penalized for SPSs negligence, please refund me this amount because this was the assurance given to me during the phone call, please release your recorded calls to CFPB.

The monthly payments I have made to the escrow account included sufficient funds for timely tax and insurance payments, so the delay is solely SPSs responsibility.

Failure to Pay Insurance on Time SPS received the insurance bill from my insurance agency in a timely manner.

Nevertheless, SPS elected to mail a payment on XX/XX/XXXX, XXXX day before XXXX a bill due on XX/XX/XXXX ( which fell on a Sunday ). Given the proximity to the holiday and weekend, it was imprudent to send the payment by regular mail. This reflects a lack of care and/or negligence on the part of SPS.

Contractual Obligation to Pay on Schedule Regardless of whether this falls under RESPA guidelines, SPS has a clear contractual duty under the loan document to ensure that property taxes and insurance are paid punctually. 

By failing to meet its obligations, SPS has endangered my property by risking potential lapses in insurance coverage and incurring late fees.
Product: Credit card or prepaid card

Bank of America withdrew {$400.00} from my checking account without authorization. Making my checking account go negative. This is the second time the bank does this to me.
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the XXXX credit bureaus was dated XX/XX/2024 but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX  XXXX Balance : {$10000.00} XXXX XXXX XXXX : {$430.00} XXXX  XXXX XXXX Balance : {$1300.00}
Product: Credit reporting or other personal consumer reports

Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and Michigan Laws Dear PORTFOLIO, I am writing to address a blatant violation regarding the unauthorized reporting of information to my credit report, as governed by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), and Michigan identity theft and credit reporting laws, including the Michigan Identity Theft Protection Act ( Public Act 452 of 2004 ).

It has come to my attention that PORTFOLIO has already engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, explicitly mandates that consumer consent is a non-negotiable requirement for such reporting activities under Section 1681b ( a ) ( 2 ).

In addition to federal law, Michigan state law offers additional protections against identity theft and unauthorized use of personal information, as outlined in the Michigan Identity Theft Protection Act. This law emphasizes the necessity of ensuring that no personal or financial information is used without the clear consent of the individual concerned, and further outlines penalties for those who fail to comply. 

I assert with complete certainty that I have not provided consent for PORTFOLIO to report any information to my credit report. This lack of explicit permission constitutes a blatant violation of my rights, resulting in potential damage to my creditworthiness and a disregard for federal and Michigan state laws. 

I demand, with the utmost certainty, that PORTFOLIO immediately ceases any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and the Michigan Identity Theft Protection Act. Failure to comply within the stipulated 30-day timeframe will be viewed as willful noncompliance, subject to penalties under applicable laws, including identity theft laws in Michigan. 

This is not a discretionary request but a legal obligation under the specified sections of the FCRA and Michigan law. This demand for compliance ensures the protection of consumers like myself from unauthorized and damaging credit reporting practices. 

I expect your immediate attention to this matter and anticipate that PORTFOLIO will promptly rectify these egregious violations, fully respecting my rights under both federal and state laws. 

Done in good faith.
Product: Debt collection

I had a loan with avant in XXXX XXXX and paid it off in XXXX XXXX. Even after paying the loan off they still took money from my account. I filed a complaint with the BBB and money was refunded. I received a call from them 2 months ago indicating that I owed money on the account which is false. The company has reported to the credit union I am late on a payment. As a Veteran I need assistance in trying to resolve this complaint because the companies fraud is affecting my credit.
Product: Debt collection

XXXX sent me a letter from Jefferson capital collection I am never late on this card it is paid on time every month! They put it collections and no idea why I called XXXX and agreed that my account is fine and up to date I dont understand how or why this could happen? All this did is put a negative remark on my credit report! XXXX not very happy about this and I want something done about XXXX sending out false statements to ruin my credit score! And get ahold of Jefferson capital when I called them they couldnt answer me on my issue! Thank you z XXXX XXXX
Product: Debt collection

XXXX is billing me for service at a home that never had XXXX service in it 's history. When calling XXXX XXXX, they do not know what I 'm talking about as they have no information for service at this address, yet they have notified the credit bureaus as an unpaid debt. 

Bottom Line - XXXX can bill every address in country and make everyone pay {$200.00} just to get it removed from their credit reports and they make the dispute process extremely difficult
Product: Student loan

I was contacted by the new education repayment program and gave them all of my information, including my social and and they logged into my student financial aid website and then wanted me to pay {$500.00} and then my student loan would be forgiven and then I gave them my debit card number And then hung up. I was just trying to find out if I was scammed or not.
Product: Credit reporting or other personal consumer reports

My credit report contains errors showing late payments that dont reflect my usual history. Please correct and update my account.
Product: Checking or savings account

I downloaded the app Balance for a year free trial with the promise of being reminded a week before the trial ended. I was not reminded and XXXX $ was withdrawn from my account which made me go into overdraft. I contacted both Balance and Wells Fargo. Balance did not respond. Wells Fargo started a claim while the transaction was pending. Now the transaction has been approved with no update about the investigation of the claim.
Product: Credit card or prepaid card

I have called in twice and am now issuing my request in writing. I had two refunds from XXXX XXXX to my XXXX XXXX credit card, account : 1. {$2600.00} ( refund check issued XX/XX/XXXX ) 2. {$3400.00} ( return posted XX/XX/XXXX ) These credits were issued on different days. On XX/XX/XXXX I called and requested a check for the {$2600.00} credit and on XXXX I called to request a check for the {$3400.00} balance. The first {$2600.00} was proceed with no issue, however, when I called on XXXX I was told that a second check could not be processed until I received and cashed the first but they would watch it and refund as soon as possible and since the first refund check was just released that would not be until the next day. As such, I called back this morning and asked for a check to be issued today. They reiterated that due to internal processing a second check could not be issued until I received and cashed the first - which is unacceptable. One refund is not contingent on the other and I am officially requesting that the remaining funds be released today, XX/XX/XXXX. I understand there is a processing period needed but this is truly unacceptable. I had them cancel the check on XXXX the check never came- so that we could do one electronic refund of the full amount. I called the week of XX/XX/XXXX to make arrangements for this. On XXXX XXXX I spoke with the representative who said my refund had processed and I should expect to see it on my account in XXXX hours. I called today on XXXX and was told that it was not an electronic transfer but rather a paper check. And again I would need to wait 7-10 business days for it to arrive in the mail. The last time I did this was XX/XX/XXXX for the first check and on XX/XX/XXXX the check was canceled with the understanding that a full refund would be processed electronically. No one can tell me when or why this happened, just that it did and I need to wait patiently. Since XX/XX/XXXX I have been trying to get back my {$6100.00}. It's XX/XX/XXXX and I still have no idea when I will actually get a refund. Please assist as I can't get a clear answer on the phone and no one is responding to my e-mail- screen shots of unanswered e-mails attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

For the past two years now, Equifax has refused to provide legally accurate updates regarding my true credit score as determined by my documented financial history with my student loan ( originally XXXX, now XXXX ) and credit card service provider ( XXXXXXXX XXXX ). 
I have previously had the same issue with XXXX, however, they recently have started providing me with timely and accurate credit score updates based on my documented financial trends. I have not missed a credit payment for over 4 years now, have an extremely low and recoverable debt ( especially since 1 of 2 debts is a suspended student loan, pending possible cancellation ), have made on-time payments, and kept my credit utilization to a low and safe percentile for the past several years, and my one and only credit card provider has raised my credit limit routinely, every three months, for the past two years. 
Attached is evidence from XXXX XXXX that my Equifax report does not match my XXXX report by an unacceptably large difference; please note which pdf file pertains to which Credit Reporting agency as determined by filename. My XXXX score has fluctuated, primarily positively, but also negatively, over the past year ; however, just like my last complaint to CFPB about Equifax, my Equifax score has unacceptably " not changed '', neither positively nor negatively over the past year. I am now absolutely determined to get this resolved and will be completely paying off the little debt I possess until my credit score is properly and completely corrected with Equifax. 
I have researched via XXXX that most people on average experience the same credit score between XXXX and Equifax, however, my XXXX and Equifax score have grossly differed for the past three years. It must be immediately determined what is preventing legitimate credit score updates, to me, from Equifax, as at this time I am by all means regarding them as being in a state of incrimination. Please investigate! Thank you.
Product: Debt collection

I already disputed and the account was deleted off due to no proof. I called XXXX but they couldn't find any information, I wasn't living at that address I lived in XXXX XXXX, NJ. They couldn't find any contracts, signature or copy of ID. Now this company is again attempting to put this account again on my credit file. The amount is {$560.00} and settlement offer {$190.00}. None of this is mine and XXXX couldn't prove it so if something has changed please send me my contract with my signature, social and Identification. While your at it please send a copy : license to collect in my state, Assignment clause, Notarized letter of debt purchase, Signed contract from original creditor
Product: Checking or savings account

I received a bank statement today, XX/XX/13 in the mail for an account opened in my name at Bank of America. I called the customer service phone number today XX/XX/13 and was told they can not tell me anything about the account because of privacy laws. Never-mind the fact that someone has opened an account in my name with my social security number but they are so worried about privacy laws and yet nobody can explain how it was so easy for someone to open a fraudulent bank account in my name. I was told it would take up to 90 days for them to investigate and was not even given a claim number or any documentation about this claim. So basically no peace of mind was given to me and the man on the phone sounded like he could care less.
Product: Mortgage

We are desperately trying to stay in our home, but we feel that Chase, as our lender, is not honoring our very drastic circumstance, not properly evaluating our evolving situation, and privileging their profit over our welfare. 

We do not have enough space here to explain our very complicated situation. Our explanation keeps being " truncated '' by your system. Therefore, we have added our explanation of what happened in Section # XXXX, " Product Information '' as attachments.
Product: Vehicle loan or lease

This account was paid & written off and its still showing up on my credit report according to the law code 26 U.S. Code 166, which deals with " Bad debts '' and outlines the legal framework for businesses to deduct bad debt expenses on their taxes when an account is deemed uncollectible and written off ; this includes details on when and how to claim the deduction depending on the situation.
Product: Credit reporting or other personal consumer reports

- [ ] XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Tx. XXXX XXXX : XX/XX/XXXX SSN : XXXX XX/XX/XXXX Experian XXXX XXXX XXXX  XXXX XXXX Tx XXXX XXXX To whom it may concern : Upon inspection of my credit report, I noticed the following information is continuously being reported incorrect : My full name is : XXXX XXXX XXXX There should be no other name/aliases listed on my report. Please remove any other names/aliases you have listed as they are incorrect. 

My current address is : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, Tx. XXXX Any other addresses are in correct, undeliverable and I have no access to them. Please remove any and all incorrect addresses immediately.

My current employer ( s ) : None There should be no other employer ( s ) listed on my report. Please remove all other employers you have listed as they are incorrect.

You are harming my ability as a consumer to obtain credit by putting out my credit report that contained inaccurate and/or obsolete information. 

Its my understanding that Experian has agreed to pay {$22.00} XXXX to resolve claims it hurt consumers ability to get credit by adding allegedly inaccurate and untrue information to their credit reports. 

Experian you are making my credit report which using outdated home address/ undeliverable address and multiple aliases with incorrect information to report it as high-risk for credit fraud reports. 

Its my understanding Experian company policy DOESNT oversee that theyre obligated under the Fair Credit Reporting Act to put out credit reports which are as accurate as attainable and that dont include any adverse information that is obsolete. 

It is my belief that the sole and only reason that YOU continue refusing to remove all name/aliases & addresses other than what Ive given with the documentation that validate my CORRECT full name & CURRENT & ONLY address is to flagging it as being HIGH RISK OR NON-RESIDENTIAL which benefits YOU monetarily. 

Attached is the supporting all REQUIRED documentation to validate my dispute. Please update your records accurately & send me a updated copy with my accurate personal profile information promptly. 

Thank you Sincerely, XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I contacted Convergent debt collection last year to notify them that this is not my account. They asked me to send a copy of my social security card and other personal identifying information that I am not comfortable sending in order for them to locate whomever debt this belongs to ( or in the case this was identity theft ). I already dealt with this issue through previous debt collection agencies as well as filed other complaints through the cfpb website regarding this same debt. Now they are sending me a letter with an amount owed in excess of XXXX dollars. I do not owe this debt and I would like them to stop contacting me.
Product: Money transfer, virtual currency, or money service

Gemini allowed my account to be funded despite it being under Pending Verification status. This status does not allow users to withdraw money in their Gemini accounts. This issue creates a somewhat Frozen account where the user is unable to withdraw funds but can somehow still add funds to make purchases. This feels highly illegal as you should not be able to add funds in the first place if your account is pending verification. I have tried contacting customer service so many times and I have received no answer yet in over a month. I have called the company as well and they re direct you to customer service. I am unable to access the funds in my account and need the money.
Product: Checking or savings account

On XX/XX/23, I made a payment in the amount of {$250.00} to XXXX XXXX. I checked my M & T checking account ending in XXXX and I noticed a possible duplicate payment to XXXX. I contacted XXXX first to confirm if they had received two payments on the amount of {$250.00} each. The company confirmed that the had only received one {$250.00} payment. I called M & T Custoner Service # XXXX on XX/XX/23 to open a complain # XXXX. They indicated that I would get a letter mailed to me within a week, and that they would investigate the issue. No letter was sent so I called back on XXXX and had to explain again the fact that M & T had taken out of my checking account and additional amount of {$250.00}. I also told them I had not received any letter as I was told, and this new representative told me that they had not even started the investigation. I also opened Dispute # XXXX, and mentioned that I had also noticed that my Overdraft Line of Credit ending in XXXX had made a transfer in the amount of {$230.00}. On XX/XX/23, I went to the XXXX XXXX branch and spoke to the Manager who was very proffesional and apologized i had experienced that issue. She stated that she had the ability to return the {$250.00}, which was completed on XX/XX/23. She explain that she was unable to refund the money in the Overdraft Line of Credit. On XX/XX/23 I paid a total of {$230.00} which included {$1.00} in interest to cover for the Overdraft caused by the additional money that was deducted from my account. If the extra withdrawal would have not been taken out, my account would have not overdrawn. It is XX/XX/23 and I have received no letter. I call the branch again to see what they can do and they told me the complain or dispute was closed out. I am assuming because M & T thinks that by refunding the {$250.00} I would be satisfied. If M & T would have contacted me as they said they would, they would have known thay they still need to refund me for the {$230.00} payment I did against my overdraft line of credit.
Product: Credit card or prepaid card

On our company Universal Premium Fleetcard statement dated XX/XX/21 there was a high risk transaction fee. Coincidentally we had received a notice dated XX/XX/21 that changed an account section called " High Credit Risk Account '' that I will include in the documents. When I called customer service about this fee the only information they would give me was an email stating that " the fee has been assessed due to low FICO ''. Now the terms of this state that our consumer credit score ( does not mention FICO ) as reported by a credit reporting agency utilized at their discretion can not fall below 600 ( this changed from 530 originally ). It also states that if it drops by 51 points or more in any 3-month rolling period that it could also trigger the high risk transaction fee. 
My complaint is that they should have to provide proof of this, not just send me an email stating our company has a low FICO. We do not pay for XXXX XXXX XXXX and we are not a high credit company. My issue is that this company can randomly charge this fee with no proof whatsoever of us failing to meet their terms. They should have to provide the data they are using because they should have to prove something that they set the terms for. This is not right.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were 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 relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX : {$7400.00} XXXX XXXX Balance : {$0.00} XXXX XXXX : {$410.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX : {$440.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX {$7400.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX : {$410.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX : {$440.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$170.00} XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX : {$0.00} XXXX XXXX Balance : {$7400.00} XXXX XXXX Balance : XXXX XXXX XXXX Balance : {$410.00} XXXX XXXX ( XXXX Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$440.00} XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$170.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Bankruptcy Reference # : XXXX Date XXXX XXXX  XXXX Bankruptcy Reference # XXXX XXXX Date Filed/Reported : XX/XX/XXXX