23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Evergreen Home Loans has mismanaged every change of payment that has taken place with my mortgage. I have paid my mortgage on time every month through a scheduled check delivery service, and no matter the change, Evergreen mishandles the change. The first instance was when they missed paying the county tax in XXXX of XXXX. It was not until I received letters from the county that I was in default and notified Evergreen that they took care of the problem. 

Secondly, in XXXX of XXXX I received notice that there was a shortage in my escrow amount due to increased county taxes. It was noted that if I pay a lump sum XXXX {$270.00} XXXX, it would be added to Escrow and my monthly total mortgage increase would not be as much. This money was not initially allocated to escrow XXXX future interest payment I believe, but it was a while ago ) and it was not until I called them that the issue was resolved. The additional principal I paid that month was not as much as it should have been because they had not allocated the lump sum to escrow. Again, it was not until I called that this issue was resolved. 

Third, in XXXX of XXXX I received another letter telling me that there was another escrow shortage due to increased taxes. The letter states, " If you choose to pay your escrow shortage of {$300.00} in full, your new loan payment amount will be {$1400.00} '' I called Evergreen on the phone and was told that they did not accurately calculate the escrow shortage in XXXX and that is why I was being charged again. As a first time homebuyer this was aggravating for financial reasons. I payed the full amount of {$300.00}. At this time, I spoke with a supervisor at the call center and notified them of their continued mistakes. 

Fourth, I just received a copy of my most recent statement ( XXXX/XXXX/XXXX ) and it shows that {$300.00} was applied to escrow, but that my total monthly payment due is {$1400.00}, not {$1400.00}. They did not re-calculate my payments to account for my lump sum escrow shortage payment ... .for the second time. I have recently been paying {$1400.00} per month to get ahead on my loan, and instead of having {$48.00} paid as additional principal, they are only showing {$23.00}. 

I will be calling them tomorrow but I think the number of mistakes shows either gross negligence of their accounting department, or a scheme to gather extra money without customers noticing. It is aggravating and disheartening to have to deal with this company 's mistakes every time there is a change to my mortgage.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX has violated my rights. 

Account name : XXXX XXXX  Account number : XXXX Account name : XXXX XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit card

On XX/XX/XXXX, I received a suspicious activity email from XXXX Third Bank. Someone tried charging XXXX XXXX tickets to my account in the sum of {$1000.00}. Fifth Third denied the transaction. Within minutes of that transaction, another charge was made through XXXX XXXX for {$270.00}. This transaction was not flagged and was allowed to go through. I reached out to Fifth Third and told them I did not authorize this transaction and wanted a dispute opened. 

When I did that, they canceled the credit card and sent me another one. When I looked at my statement, the new card number was already documented on my account and had a pending charge to it. I had not even received the card yet. I yet again called Fifth Third Bank and they told me when the first card was canceled it was not done correctly so when the new card was added into the system, subsequent places such as XXXX XXXX was sent the new card number. So they canceled the second card, including the ability to send updates to other systems and sent me a third card. Now they are denying the my dispute and asking that I pay theXXXX. The documentation they sent that was provided by XXXX XXXX clearly says NO CVV, address or zip code was provided. This is not a charge I made and my identity was not confirmed.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX removed XXXX off my credit report I filed the same thing wit Experian and eqifax but they havent removed those negative nor fraudulent claims off of there they just keep updating the wrong information wit the right information and dragging my credit if the accounts are closed due to fraudulent why they wont remove them its not fair that Im a victim of fraud and identity theft and nobody cares Im trying to get this removed or help on how I done gave them police report number and all
Product: Debt collection

XXXX XXXX -I was month to month on a lease of a house. The owner of the home switched Property Managers and they wanted a 12 month lease and an increase in rent. I declined and moved to a new address that would not allow satellite tv. I talked to several people at XXXX XXXX including supervisors who stated as long as all of the equipment was returned I would not be charged a cancellation fee. However a cancellation fee was applied. I never received notification at my new address but is now reported as a collection account on all XXXX credit reports. XXXX XXXX and Debt Buyer refuse to help. Convergent is the debt buyer.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my first request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance : {$630.00} XXXX XXXX XXXX Balance : {$220.00} XXXX XXXXXXXX Balance : {$1500.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$2600.00} XXXX XXXX XXXX XXXX Balance : {$28000.00} XXXX, XXXXXXXX XXXX XXXXXXXX XXXX XXXX : {$150.00} XXXX, XXXXXXXX XXXX XXXXXXXX XXXX XXXX : {$5900.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$740.00} XXXX XXXX XXXX XXXXXXXX Balance : {$200.00} XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX Balance : {$1300.00} XXXX XXXX XXXX Balance : {$260.00} XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX, XXXX Inquired on XX/XX/XXXX XXXX XXXX, XXXX Inquired on XX/XX/XXXX XXXX XXXX, XXXX inquired on XX/XX/XXXX XXXX XXXX, XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXXXXXX XXXX  Inquired on XX/XX/XXXX XXXX, XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

On my experian, XXXX and XXXX XX/XX/year> on my reports a balance of XXXX dollars was provided to a collection agency name XXXX XXXX illegally from the consumer by the name of XXXX i asked for a cease order they are constantly bothering me Im in process of trying to purchase a home and this is hindering me based on consumer law 15 usc 1692 c this is highly illegal I want it removed immediate please and my score increase back to the right amount
Product: Mortgage

I AM REQUESTING ALL DOCUMENTATION FROM EMC MORTGAGE KNOWN AS A SUBSIDIARY OF JP MORGAN : FOR THE YEAR XXXX FOR PROPERTY ADDRESS XXXX XXXX XXXX XXXX XXXX GA XXXX THIS IS A FRAUD LOAN WHICH WAS TAKEN OUT PRIOR WHICH MEANS THE HOME HAD A CLOUD ON THE TITLE. WE WERE UNDER THE IMPRESSION WE HAD TAKEN OUT A LOAD WITH XXXX XXXX  HOWEVER, THIS WAS NOT THE CASE. AFTER EXTENSIVE RESEARCH AND INVESTIGATION WE FOUND MULTIPLE STATEMENTS AND 1098 'S REFLECTING THE SAME YEAR., Y SPOUSE FOUND BANKRUPTCY. SHE WAS IN CHAPTER XXXX UNTIL THE JUDGE ATTEMPTED TO COERCE US INTO PAYING APPROXIMATELY XXXX BETWEEN TWO HOMES. THEY KNEW FRAUDULENT MORTGAGE LOANS WERE ATTACHED TO THE HOMES WHICH EXPLAINED WHY THEY FORCED HER INTO CHAPTER XXXX IN ORDER TO RETRIEVE THE HOME BECAUSE THE LAND WHICH THE HOMES WERE BUILT ON STILL BELONGED TO THE DEVELOPERS BY THE NAME OF THE XXXX FAMILY. WE NEVER RECEIVED A LOAN. OUR NAMES WERE FORGED AND OUR INFORMATION WAS USED TO TAKE OUT MULTIPLE LOANS TOTALING MILLIONS OF DOLLARS. OUR HOME WAS ILLEGALLY FORECLOSED ON AND THERE IS TITLE FRAUD. THE PURCHASER XXXX XXXX XXXX ( XXXX XXXX  XXXX ) WHO HAS MANY ALIAS WAS REPRESENTED BY XXXX XXXX, WHO VERBALLY THREATENED ME IF I SUBMITTED A COUNTER SUIT AND HE COMPLETED ILLEGAL COURT DOCUMENTS IN ORDER TO OBTAIN POSSESSION OF THE HOME. A XXXX LAWSUIT LISTING XXXX AND XXXX XXXX AS PLAINTIFF ; S BUT WAS IMMEDIATELY DISMISSED BY THE CLERK OF COURT. THE ASSIGNED JUDGE WAS XXXX XXXX. THIS WAS IN XXXX XXXX XXXX  XXXX XXXX XXXX OF GA. IT APPEARS XXXX XXXX AND XXXX WORK TOGETHER WITH XXXX XXXX AND OTHERS ENGAGING IN ILLEGAL FORECLOSURES. THE AMOUNT OF MONEY SAID TO HAVE BEEN PAID FOR THE HOME WAS XXXX, HOWEVER WE LATER FOUND OUR IT WAS XXXX VIA XXXX XXXX, THERE COULD HAVE BEEN A POSSIBILITY OF THE ATTORNEY, TRUSTEE AND JUDGE SPLITTING ALL ADDITIONAL MONEY OVER XXXX. THE HOUSE WAS ABANDONED BY THE CHAPTER XXXX TRUSTEE S XXXX XXXX AND LATER A LIFT OF STAY? BY THE PRESIDING JUDGE. THIS LIFT OF STAY TOOK PLACE IRONICALLY WHILE MY SPOUSE WAS HOSPITALIZED FOR 2 WEEKS. THE PRESIDING DOCTOR ACCIDENTALLY SLIPPED AND MENTIONED THE AGENDA. WE WERE NOT NOTIFIED OF THE LIFT OF STAY. THE PRESIDING DOCTOR XXXX XXXX XXXX XXXX AT XXXX XXXX IN XXXX GA APPEARED TO HAVE BEEN PAID TO KEEP MY WIFE IN THE HOSPITAL IN ORDER FOR THE XXXX TO COMPLETE THERE DIRTY WORK. AS A MATTER OF FACT, THE ADDITIONAL ASSIGNED PHYSICIANS, APPROXIMATELY 3 OF THEM ENGAGED IN VERBAL CONFLICTS WITH XXXX XXXX REGARDING WHY SHE WAS NOT SENDING MY WIFE HOME. SHE HAD ALL OF THEM DISMISSED.XXXX XXXX,
Product: Credit reporting or other personal consumer reports

I am writing to formally notify you that I have been a victim of a data breach and identity theft. 
Unauthorized accounts and inquiries have appeared on my credit report, which I did not open or authorize. Under 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I request that the following accounts and inquiries be blocked and deleted from my credit file immediately. 
Unauthorized Accounts XXXX. XXXX XXXX Account Ending : XXXX Opened : XX/XX/XXXX Amount : {$770.00} XXXX. XXXX Account Ending : XXXX Opened : XX/XX/XXXX Amount : {$100.00} XXXX. XXXX XXXX Account Ending : XXXX Opened : XX/XX/XXXX Amount : {$1700.00} XXXX. XXXX XXXX XXXX XXXX XXXX Account Ending : XXXX Opened : XX/XX/XXXX Amount : {$5700.00} XXXX. XXXX Account Ending : XXXX Opened : XX/XX/XXXX Amount : {$6200.00} Unauthorized Inquiries XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX
Product: Credit card or prepaid card

Major banks ar denying applications to 0 % interest balance transfer offers ( before the pandemic they were readily available ), Si now the current rates are 27 % Agregious and loan sharking People are hurting and banks are rolling in the $
Product: Credit reporting, credit repair services, or other personal consumer reports

I am appalled by the ablitity of the Credit Bureuas to ignore a consumer 's requests to investigate and correct the information being reported on my Credit report desite the countless dispute letters and CFPB Complaints I have been sending. I have read enough to understand my rights which is clearly being violated by the Credit reporting agencies. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from 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
Product: Money transfer, virtual currency, or money service

XX/XX/2020 I transferred {$7300.00} into my renasant bank account from my XXXX  ( XXXX XXXX ) and Renasant bank rejected my ach deposit by my request and sent the funds back. I still havent got my money back yet.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. See the documents attached. 

XXXX XXXX  XXXX XXXX Date Opened : XX/XX/2014 Balance : {$6200.00}
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX  is still on my report and should be deleted also enclosed find idenity report
Product: Credit reporting or other personal consumer reports

I am writing this to you so you may help me stop the items from showing up on my credit reports. Other XXXX XXXX dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX XXXX XXXX Balance {$5200.00} Open Date XX/XX/XXXXXXXX XXXX XXXX Balance {$740.00} Open Date XX/XX/XXXX XXXX XXXX  Balance {$580.00} Open Date XX/XX/XXXX Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

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  : Account XXXX Account Name : XXXX XXXX : Account XXXX Account Name : XXXX XXXX : Account XXXX Account Name : XXXX : Account XXXX Account Name : XXXX  XXXX : Account XXXX Account Name : XXXX : Account XXXX Account Name : XXXX  XXXX  : Account XXXX Account Name : XXXX : Account XXXX Account Name : XXXX XXXX  : Account XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be 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  15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Money transfer, virtual currency, or money service

So I made a personal XXXX account and had deposits made into account and made withdrawals then a week later I made another XXXX account to be my business XXXX account. I was not aware that doing this was violating terms on XXXX as I am new to XXXX app. They then proceeded to freeze both accounts until I verified my identity by sending two forms of identification to them, which I uploaded documents on the link sent to me via email and a day later they unfroze one of my accounts and not the other. Now the other account they did not unfreeze has {$700.00} total in it. After I made multiple attempts to get in contact with XXXX support I finally heard back and they told me I needed to let them know which XXXX account I wanted to keep. So I replied and told them which account I wanted to keep & once again sent two forms of my identification just in case. Then three days later I finally heard back from them saying they have suspended BOTH accounts and I will no longer be able to use XXXX and they were putting my funds on a 180 days hold. Even though I have email showing where they asked me which account I would like to keep then all of a sudden they suspend both with no reasoning why. This is also after Ive spoken with several ppl on the phone and one of them telling me that I would be able to transfer the funds to my bank account that was linked to my XXXX account and it said that it sent but then it came back to XXXX and transfer was incomplete. I have made several attempts to ask XXXX support why I can not have MY funds released to my bank account and then my XXXX account be completely closed. I apologized for violating terms that I did not mean to do so and asked what I could possibly do to have my funds released to me immediately. I told them I could send other forms of proof of identification or I would do whatever they needed for me to be able to have MY OWN MONEY. They responded one last time saying again my funds were on a 180 days hold for loss prevention purposes ( whatever that means ) and that they would no longer be responding to any more of my emails from this point forward and that the case was closed. I again asked if they would please just tell me what I can do have my funds released and close both accounts for good. And I havent heard one word back. This is insane. Can they really keep my own money for 6 months and then say they will send me an email SHOULD MY FUNDS BE AVAILABLE TO BE RELEASED TO ME IN THE NEAR FUTURE. Like theres a chance that I might not ever get my money back. I need to know what I can do to get my {$700.00} off of my account. Ive never experienced anything like this in my life and I will NEVER recommend anyone to use XXXX or any business associated with them after this. PLEASE HELP. AND BEWARE OF USING XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting inaccurate information on my credit report. As of XX/XX/2023 my total debt balance is reflected as {$44000.00}, when it should be reduced by {$8600.00} as XXXX XXXX  is no longer being reported on my credit report due to a court judgment that was ruled in my favor. I went to the XXXX XXXX XXXXXXXX XXXX State of Georgia on XX/XX/2023 and the judgment was entered in my favor stating that I do not owe XXXX XXXX  any money ( {$0.00}. Principal, {$0.00}. Interest, {$0.00} Attorney fees and {$0.00}. Court Costs ). I have contacted Experian on numerous occasions to have them correct my total debt balance and they have refused to do so, even though XXXX XXXX  is no longer reflected on my credit report. It is illegal for any credit bureaus to report inaccurate and fraudulent information.
Product: Credit reporting or other personal consumer reports

My account with XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in those account to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports