23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

ServiSolutions acquired my mortgage is XXXX 2015. Their XXXX letter to me stated my new mortgage payment was {$1200.00} monthly ( {$570.00} principal, {$330.00} interest, {$320.00} escrow ). At closing my HUD-1 stated my mortgage is {$890.00} ( {$660.00} principal, interest, mortgage insurance, {$220.00} property taxes and homeowners insurance ). They fixed this problem after a few weeks. Now, they have sent me a statement saying my property taxes ( which has not even been issued for this year yet ) are increasing to $ XXXX and my new monthly payment is {$1600.00} per month. Please read my email response to them as follows : 1. Yes, at closing my lender collected 2 months property taxes at {$150.00} per month for a total of {$310.00} ( HUD-1 line XXXX ) 2. Additional Settlement Charges from my closing indicate on line XXXX of the HUD-1 that the XXXX half of the property taxes to XXXX County were collected at a total of {$930.00} ( cross reference line XXXX HUD-1 ) 3. My loan terms on page XXXX of XXXX on my HUD-1 indicate that my mortgage includes a monthly escrow payment of {$220.00} ( homeowners insurance and property taxes ) for a total of {$890.00} per month. 
Homeowners Insurance $ XXXX/yr Property Taxes $ XXXX {$1800.00} XXXX $ XXXX {$220.00} 4. My new tax bill is not issued until this month. Why was I sent updated statement saying my property taxes are now $ XXXX a year? 
5. I am the sole income of a XXXX person household with XXXX XXXX XXXX and XXXX. This is the second incident with an incorrect bill being sent to me. I ca n't XXXX endure this stress. You have only owned my loan for 4 months. This is truly ridiculous. I was responding to this email they sent me as follows : Hello Form the research the finding were as follows : The amount of taxes that were owed at closing was only for 1 month ( XXXX ). Now that the new year has started we have to reanalyze for the full year to be paid for taxes that will be owed every 6 months. ( XXXX x 12 months = XXXX ) ( XXXX / 2 months = XXXX ) Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX, has violated my rights. 

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.
Product: Mortgage

Right after Covid started. I went on a forbearance with my Mortgage company. At the very end of my forbearance we decided to do a loan modification. This was in XXXX of 2022. After 4 different attempts to send them back all the necessary paperwork notarized to finalize the deal they finally accepted it. All three of the first three attempts that had to be resubmitted were errors by XXXX XXXX. Not errors by me. So from XXXX when the process started until the beginning of XXXX after the fourth time sending everything in it was finally accepted on their end. After trying for a couple months to sign into their website to navigate and learn it I was finally able to in late XXXX. In the midst of all this XXXX XXXX sold my Loan to a company called Right Path servicing. It wont let me navigate certain things and wont let me make any kind of payment. My biggest concern is that at the top of the website when i sign in, it says account under review by underwriting. It also says that once all notarized papers are processed the account will be unlocked as soon as everything passes. Thats kinda strange to me because they accepted the modification in XX/XX/2022. The reason it took over 5 months to get everything worked out is because the first three times they sent the packet to me it was wrong and all were errors on their end. And now we are in XXXX and it still says that I cant make any kind of payment on my account and that all my stuff is being reviewed 9 months later. They have been calling me every day for the last 5 months telling me the same thing everytime, that they are a debt collector, etc, etc. I always ask them the same thing. Why is my paperwork still being reviewed 8-9 months later? Nobody can give me an answer at all. I refuse to make my payments that were slated to start on XX/XX/XXXX, because nothing is finalized on their end yet. Its strange because my payment went up and so did my mortage rate as well.Im honestly contemplating doing a refinance with a different company just to get away from this company all together. Before Covid i made all my payments on time and never had any issues. I fell on some hard times and it is what it is. I would really like to see what my options are please. I really dont want to lose my house. I can make the XXXX, XXXX, and XXXX payments if needed but I just dont know why the papers are still being reviewed after all this time. Please help me with some options. Thanks and Have a good day.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA subsection 605b ( 15 U.S.C 1681 c-2 ) that you, TRANSUNION credit reporting agency, block information appearing on my consumer credit report that is result of identity theft an fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, an false information consists all are listed XXXX XXXX account # XXXX, XXXX  account # XXXX according to I 15 USC 1692c you have violated my rights by unlawful communications please removed these closed accounts off my Consumer credit report thank you These accounts have resulted in several fraudulent collections appearing on my consumer FICO credit report I attached a list of the aforementioned accounts, collection accounts, I do not recognize the aforementioned accounts, collections as reported. The aforementioned accounts, collections appearing on my consumer credit report maintained by you were not opened, made, or initiated by me.All of the aforementioned accounts, collections accounts are the result of identity theft and fraud.I have attached a copy of FTC identity Theft Criminal Complaint # ( XXXX ) as proof from US FEDERAL TRADE COMMISSION that all of the aforementioned consumer credit accounts, collections are the result of identity theft and fraud. 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 CREDIT COLLECTION has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 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.
Product: Debt collection

I paid off this debt by garnish of my wages through the XXXX XXXX department 6 years ago Original debt XX/XX/17 XXXX I paid XXXX I intrest!! 
This company is saying I owe XXXX Midland Credit Management Acct number listed on my letter XXXX I am XXXX XXXX XXXX This is unbelievable Please assist
Product: Credit reporting or other personal consumer reports

Company failed to provide accurate report information & has violated the laws
Product: Debt collection

Collection account dates back dated to XXXX for XXXX CC that was paid. Complaint # XXXX. Amount XXXX times what XXXX reporting. I do not owe this money. Filed dispute with Midland asking for verification of debt and statement was put on my credit report meets FCRA. Status of investigation findings never sent to me. Proof that I owe never sent to me.
Product: Credit reporting or other personal consumer reports

This request is necessary to address specific consumer concerns related to personal financial information, account discrepancies, or inquiries regarding financial products or services. By obtaining and verifying this information, we aim to ensure accurate responses, facilitate resolutions, and protect consumers from potential fraud or identity theft.
Product: Checking or savings account

On XXXX my card was declined. I called USAA and spoke with a representative and they said there was attempted fraud on the account but they blocked the fraud. I worked with the agent and we removed old emails, set up a new online password and everything else needed to ensure the account was secured. He told me my account was frozen but in would be open in a couple of days. On XXXX I received another security alert and called USAA back to check on the alert. I was informed my accounts where all frozen and that USAA had decided to stop doing business with me. I have no access to my money to pay my bills, buy food, or anything else.
Product: Credit reporting or other personal consumer reports

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX  Acct # XXXX XXXX XXXX, and bankruptcy Acct # XXXX have violated my rights. 

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 an account without my written instructions.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XX/XX/year>, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : XXXX XXXXXX/XX/XXXX SS - XXXX XX/XX/XXXX - XXXX SXX/XX/XXXX XX/XX/XXXX - XXXXXX/XX/XXXXL XXXX - XXXX XXXX XXXX XXXX - XXXXXX/XX/XXXX- XXXX XXXX XX/XX/XXXXL XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the XXXX Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Mortgage

My home refinance settlement date was on XX/XX/XXXX. Caliber Home Loans was holding approximately XXXX of escrow money. As of the end of XXXX I had not received my escrow funds so I called XXXX. They stated that they mailed them. 

I called again in mid XXXX because I still had not received my escrow account funds and asked if they could cancel the check and send me a new one and asked to have it sent as a rush/express because it was past the 30 days they have to refund my escrow funds. I need my escrow funds to pay off a debt that is accruing interest. 

XXXX told me " NO ''. They said I would have to cancel the check they sent and that it would be a few more weeks to get my new check processed and sent. This is unacceptable. It has been almost two months and they have not been willing to do the right thing and refund my escrow balance in a timely manner. 

The servicer has rights to enforce against the borrower when a deficiency occurs. 

The consumer should have the same kind of rights. Servicing rules on the CFPB site have such language : The servicer must advance funds to make disbursements in a timely manner as long as the borrower 's payment is not more than 30 days overdue. Upon advancing funds to pay a disbursement, the servicer may seek repayment from the borrower for the deficiency pursuant to paragraph ( f ) of this section.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed I have fraudulent activity for multiple accounts. I have contacted the authorities and credit bureaus Transunion, Equifax, and Experian, filed disputes however no investigation was accurate or performed. This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

I am disputing a fraudulent collection reporting on my credit report. I already disputed and reported this fraudulent account directly to XXXX and provided them the police reported dated on XX/XX/year>, which they deleted the fraudulent account from all three of my credit reports. However, after reviewing my credit, I was very frustrated when I saw that there was a collections account being reported on my credit that charge on my account in the amount of {$740.00}. 

I was a victim of identity theft, and those XXXX charges did not belong to me. Please see the enclosed police report, dated XX/XX/year>.
Product: Credit reporting 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 investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

I XXXX XXXX XXXX filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that these items were verified by the creditor however there is nothing notated on my credit reports that these items were ever disputed. That is a violation and these items need to be deleted and/or the late payments need to be updated.
Product: Credit card

I filed a dispute for XXXX on my credit card for a purchase XXXX XXXX tickets. I was scammed by XXXX XXXX and wanted my charge removed. The dispute number was XXXX. XXXX XXXX was the Chase employee that rejected by dispute. I feel that Chase should reconsider. I was unable to attend the show and was charged additional tickets in error. It seems that chase should protect their insureds from scams like XXXX XXXX. I have attached the response from me to XXXX. In addition I would think I should have received a call back from XXXX. I left her several messages.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX, these accounts have violated my rights : XXXX - XXXX XXXX  : Account number : XXXX XXXX XXXX XXXX : Account number : XXXX XXXX XXXX  XXXX Account number : XXXX XXXX XXXX XXXX Account number : XXXX XXXX XXXX  XXXX Account number : XXXXXXXX XXXX XXXX XXXX XXXX Account number : XXXX 15 U.S.C. 1681 section 602 A. states that 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 an account without my written instructions.
Product: Credit card

I applied for American Express Delta Gold Skymiles card ( account number : XXXX XXXX XXXX ) back in XXXX XXXX, when it had a promotional offer of XXXX Delta miles + {$50.00} statement credit towards Delta flight after spending {$2000.00} in 3 months. I was about to book a ticket on Delta and called before application to make sure I was eligible for the offer ( which was confirmed by Amex phone representative, but original agent said {$1000.00} spending was required ). Subsequently, I called after approval to double check the terms and was told I need to spend {$2000.00} to be eligible for the bonus. A bit strange that spending requirement changed, but OK. However, even after I spent {$2000.00} and waited several months, my account was not credited with XXXX Delta miles. I spoke with another Amex representatives via online chat function who said they will investigate the issue, but have n't heard back since. 

I finally just spoke with yet another Amex representative ( XXXX XXXX, XXXX ) and I was informed that my account is ineligible for the sign up offer because I had a similar product several years ago and now all personal Amex credit cards have once in a lifetime signup bonuses. 

I repeat that before I applied for the card and while I was satisfying spending requirements I was told multiple times I am eligible for the sign up bonus. I feel Amex was intentionally deceptive and outright misleading false advertising to make me spend the required amount ( {$2000.00} ). 

I request Amex credits my account with XXXX Delta miles are per sign up offer. There were multiple opportunities to notify me that I 'm ineligible for the sign up offer when I was inquiring about it a ) before I signed up b ) during the call to double check spending requirements. 

I conservatively value XXXX Delta mile at XXXX cents, so XXXX miles is {$1000.00}. 

Sincerely, XXXX XXXX
Product: Debt collection

I was in a car accident on my XX/XX/XXXX and havent had a car since. My credit report is showing Im on collection for a account by the same insurance company called XXXX XXXX I had that was opened on XX/XX/XXXX after I no longer had a car In the amount of {$91.00} that was reported XX/XX/XXXX by Firstpoint Collection Resources , inc . I was never made aware of any debt prior to me checking my credit report.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX Account XXXX XXXX Telephone Number and Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MA XXXX In accordance with the Fair Credit Reporting act. The list of account bellow has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15U.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 advance 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the E oscar system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Debt collection

I never received payday loan and collection will not remove from credit report. The original disagreement was over 7 years ago. Collection agency is reporting it as new debt and did not send a notice before putting it on my credit reports so i could dispute it.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX of 27 years XXXX XXXX. Attempting to purchase a home and when looking at my credits reports found a few negative items that have caused myvloan Aplication to be denied. I have paid those items however the still dont allow me to be approved for any type of laon. I have disputed thro the credit bureS and the companies directly to no end. This unfair and im am requesting that these items all be permanently removed. 
Any assistance you can proved is greatly appreciated. 

Respectfully XXXX XXXX XXXX XXXX XXXX Retired XXXX XXXX