23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I purchased my home in XX/XX/XXXX and setup an escrow account to collect property taxes. The lender has been collecting approximately {$1400.00} per month to cover property taxes and other annual payments. The first property tax payment was due in XX/XX/XXXX and the lender only paid approximately {$700.00}. I received a late notice bill from XXXX XXXX in XX/XX/XXXX. The total bill included approximately {$590.00} in late penalty fees. I contacted the lender and informed of the bill. They paid the bill but paid the penalty fee out of my escrow account. This happened again this year. The second property tax payment was due XX/XX/XXXX and the lender only paid approximately {$700.00}. I received the late notice bill from XXXX XXXX in XX/XX/XXXX. I called to inform the lender. They initially refused to pay the bill and I had to escalate and speak with several people before they agreed to pay the bill. Again, this bill included a penalty fee of {$590.00} ( 10 % of the original due payment ) and it was paid from my escrow account. The lender should cover the penalty fees out of their pocket as they had been collecting enough to cover both payments. In both cases, they did not pay the full amount. Thank you for your time.
Product: Credit reporting, credit repair services, or other personal consumer reports

I know I don't deserve this erroneous information that Equifax is placing on my credit report. I have always been a responsible payor. I am very disappointed because they never fix this account, I'll repeat the account XXXX XXXX is not paid late..CFPB please do something to fix it
Product: Debt collection

After repeated call to my cell phone and employer, I was finally able to call the company back and spoke to XXXX. I asked what they were calling about and they said I had a debt with XXXX XXXX from 2011. I advised " XXXX '' that this was not my debt and asked him for further information such as dates. I advised him that this was supposed to have been disputed and resolved so then he said " I thought you said this was not your debt! '' and before I could get a word in he threatened to pursue legal action and file a XXXX form with the IRS and hung up on me. I called back and spoke to another man, whose name I did n't get, and advised him of my conversation with XXXX. I told him that XXXX rudely hung up on me assuming the debt was mine. I advised him that this was not my debt and I had submitted a dispute long ago and had gotten this resolved. I advised him repeatedly that this was not my debt. He asked for my name and the last 2 of my ss # and after I provided that information to him I tried repeatedly to ask him to send me proof of this so-called debt in writing but he kept interrupting me. It felt almost like he did n't want me to say my request although I tried he talked over me and then abruptly placed me on hold for several minutes until I had to hang up because I had to return to work. I thought that I had gotten this incorrect information fixed long ago until this week when I began receiving multiple calls and messages from XXXX XXXX XXXX. The most frustrating part is that these men will not give me the time of day to properly request information in writing and advise them of the dispute resolution. Before he rudely hung up on me, XXXX said not to call them back unless I 'm ready to come to an agreement and that if I do n't resolve the matter they are filing a XXXX form. I should not have to go through the headache of disputing a XXXX when I already " resolved '' this erroneous debt years ago, nor should I be coerced to make " arrangements '' for something that I am not liable for.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello thank you for addressing this matter while reviewing my three credit reports I see a 40 difference between XXXX  and the other two. Turns out inquiries for a mortgage during a one month period by two banks are being counted individually by Equifax and XXXX.

So I signed up to have credit monitoring to correct hoping to correct the issue and was charged twice by Equifax yet they have not provided me the service. I have receipts of the online transactions via my bank.

Lastly my balances on Equifax and XXXX are not updated so they reflect a {$5000.00} higher than XXXX it seems the other two want to sell me services for credit cards and loans rather then reflect the true balance. 
Please help XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX years old and had applied for a loan and was told about my credit, I was in very surprised and started trying to resolved this issuses
Product: Mortgage

XXXX, our homeowners ' insurance company, issued a check dated XX/XX/XXXX for {$6400.00} to us and the holder of our Note, XXXX XXXX. After XXXX 's attorney gave us the address, we sent it to Select Portfolio Servicing per her instructions, on XX/XX/XXXX. I received no response and called to find out the status in late XXXX. No one knew. On XX/XX/XXXX the check expired. On XX/XX/XXXX, Select Portfolio returned the expired check to us, saying that it must be issued to SPS, as XXXX is the " prior mortgage company '' although XXXX is the Plaintiff in a foreclosure action against us. On XX/XX/XXXX XXXX reissued a check to us. Since this check never arrived, XXXX reissued another on XX/XX/XXXX. I sent this check to SPS. Payment was stopped on this check when SPS said it did not arrive. XXXX issued another on XX/XX/XXXX which I sent to SPS. I then called SPS. I was told that no inspection was needed as it was a private insurance check and that it would be indorsed to us shortly. On XX/XX/XXXX, XXXX, I received a letter from SPS dated XX/XX/XXXX saying we need an inspection, a worksheet, the endorsed check, a signed contract/proposal and a waiver of lien, among other things. The check was enclosed, and we signed it and returned it. I called again, and this time was directed to call the XXXX attorney 's office as the mortgage was in foreclosure. The attorney had no idea what I was talking about when I discussed the insurance check and problems. I called SPS again. I was told that none of the items in its XX/XX/XXXX letter were necessary because the claim was not being paid by SPS 's insurance. No one knew where the check was, but I was directed to a site for collections. On the company collection website, it appeared that whichever division this is believes that the payment is coming from SPS 's insurance. On XX/XX/XXXX, XXXX reported that SPS had cashed the check. I called SPS and was again directed to call the attorney for foreclosure.
Product: Credit reporting or other personal consumer reports

These inquiries did not have approval to run my credit on XX/XX/2022, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, 700CR/XXXX Please remove these from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent 3 letters to Experian and to investigate 3 accounts on my credit report. The letters was notarized and asking that they provide proof of my signature and verify those debts are mine. I have no contract with any of these companies. Experian failed in every attempt to verify the accuracy of my credit file therefore causing me a financial hardship and denial of a mortgage due to there negligence.
611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information ( 1 ) Reinvestigation Required ( A ) In general. Subject to subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
( B ) Extension of period to reinvestigate. Except as provided in subparagraph ( c ), the 30-day period described in subparagraph ( A ) may be extended for not more than 15 additional days if the consumer reporting agency receives information from the con- sumer during that 30-day period that is relevant to the reinvesti- gation.
( C ) Limitations on extension of period to reinvestigate. Subpara- graph ( B ) shall not apply to any reinvestigation in which, during the 30-day period described in subparagraph ( A ), the information that is the subject of the reinvestigation is found to be inaccurate or incomplete or the consumer reporting agency determines that the information can not be verified.
( 2 ) Prompt Notice of Dispute to Furnisher of Information ( A ) In general. Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide noti- fication of the dispute to any person who provided any item of information in dispute, at the address and in the manner es- tablished with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. ( B ) Provision of other information. The consumer reporting agency shall promptly provide to the person who provided the informa- tion in dispute all relevant information regarding the dispute
Product: Debt collection

I orderd some clothes off the internet online XXXX compiney was Chief- Inforcement apereal.com $ XXXX # XXXX and the other XXXX was XXXX XXXX XXXX XXXX and am a Student I.D. # XXXX IL. XXXX where thay where deliverd at was XXXX XXXX XXXX XXXX XXXX MN. XXXX Ph # XXXX The dead line is here and I wont my clothes Bank where the transactions would have been made was Wellsfargo XXXX XXXX XXXX XXXX MN . XXXX Ph # XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

The items listed below are reported on my credit file and were found in my reports with 3 credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law regarding identity theft. Additionally, the credit reporting agency & data furnisher have not provided any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX, and Equifax is reporting accounts that do not belong to me. History reports late payments.
Product: Credit reporting or other personal consumer reports

Per the FCRA as a federally protected consumer, 15 U.S.C. 1681 states Accuracy and fairness of credit reporting. The XXXX makes the following findings : The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. XXXX XXXX, XXXX. XXXX, and XXXX are collections/consumer reporting agencies and I the consumer have rights. Those rights include fair and accurate reporting when it comes to what is being reported on my credit report. The mentioned credit reporting agencies and company under 15 U.S.C. 1681-2 states the Rules of Construction states the person reports the same date of delinquency as that provided by the creditor to which the account was owed at the time at which the commencement of the delinquency occurred, if the creditor previously reported that date of delinquency to a consumer reporting agency ; the creditor did not previously report the date of delinquency to a consumer reporting agency, and the person establishes and follows reasonable procedures to obtain the date of delinquency from the creditor or another reliable source and reports that date to a consumer reporting agency as the date of delinquency. The U.S. Codes go on to define the term negative information as means information concerning a customers delinquencies, late payments, insolvency, or any form of default. In the case of XXXX XXXX, XXXX. ( Attached document ) Account # XXXX has reported inaccurate information to my credit report. The inaccuracies appear as the XXXX XXXX of {$1200.00} which violates the FCRA of reporting late payments to a persons consumer credit report. Also the status between XXXX and XXXX are inaccurate. On the attached report XXXX reports the account as closed with a Payment Status of Collection/Charge Off and XXXX shows as open with a Payment status of Late 120 Days. The mention inaccuracies are made clear on 12 CFR Part XXXX- Direct Disputes ; which states The consumer 's performance or other conduct concerning an account or other relationship with the furnisher, such as direct disputes relating to the current payment status, high balance, date a payment was made, the amount of a payment made, or the date an account was opened or closed ; or Any other information contained in a consumer report regarding an account or other relationship with the furnisher that bears on the consumer 's creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living. This inaccurate reporting has adversely affected my opportunity to utilize my credit and obtain necessities vital for my family.
Product: Credit card or prepaid card

I applied for Care Credit in XX/XX/XXXX to use for a medical procedure. I was approved and given the payment amount and timespan by my medical provider. I was billed for my first month of payments due in XX/XX/XXXX through Synchrony Bank. I linked my bank account to the credit account for my payment to be automatically taken out and I was told it was a valid account to use to make my payment. A payment was taken out of my bank account on XX/XX/XXXX, but according to the history on my Care Credit account, it was immediately returned. I did not receive any email notification but instead a letter that was received 11 days later on XX/XX/XXXX. I called Care Credit to fix the issue and asked for the late payment be returned since I did have sufficient funds in my account and Synchrony was the one who decided to return my payment. They reversed the late fee and I added my account once again to automatically pay my payment. Once again on my next scheduled day of payment, XX/XX/XXXX, the payment was taken, rejected, and returned. I called a second time on XX/XX/XXXX to make this payment. I was told the payment was accepted with me giving my bank account information to the customer service representative. According to my history on my Care Credit/Synchrony Bank account, it was rejected immediately and returned. I once again got another late fee on my account that was not due to my lack of ability to pay on time but Care Credit rejecting my payment. On XX/XX/XXXX, I called Synchrony 's customer service line again and asked to speak to a manager hoping to get this issue resolved once and for all. He was very unhelpful in stating that he couldn't help with billing issues and saying my bank account was rejected because of insufficient funds. This is untrue as I do have sufficient funds to pay my payments several times over.
Product: Debt collection

I wrote to the credit bureaus requesting an investigation into items that I believed were inaccurate. To date, I have not received a reply from you or any acknowledgment that an investigation has begun. In my previous request, I listed my reasons for disputing the information.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are multiple errors in the listing that are damaging to me including balance, payment status, and date of last payment. Please update for lawful accuracy. Otherwise, update ASAP. Below are the inaccurate items : Collection XXXX XXXX  XXXX XXXX # XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX NV XXXX # XXXX LXXXX 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

I am a victim of identity theft and the credit agency refuses to remove these accounts
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted 4 times certified letters to the bureau to investigate my inaccuracies on my credit report in regards to unverified accounts that are severely damageing as we are trying to buy our first home and can not get a loan with the unverified accounts. As a result of our letters to the bureau they keep writing back that they have verified the accounts in question but have provided no proof as I have demand to see Verifiable Proof of ( an original Consumer Contract with my Signature on it ) for the accounts which According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify and to show proof of verification. The Bureau sent letter back saying all was verified but they didn't provide how and proof of any signature from me on any contract with the company in question. why cant they show the proof? 

The last letter we sent which was dated XX/XX/20. 
You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.

The Bureau wrote back they have verified but again no proof of anything.

Transunion wrote us a letter back saying we were correct as they could not verify the accounts and promptly deleted them. So i am asking Transunion to do the same here. 

So once again we are submitting a letter in mail today XX/XX/20 to Transunion and a copy to XXXX  to verify see copy below.
Product: Credit card or prepaid card

I was charged {$150.00} for items I never received. I contacted the merchant numerous times since the date of the charge for updates on the shipping. Items were never shipped and the merchant has ceased responding to emails. I disputed the charge with Chase and sent Chase all of my email correspondence with the merchant to to show that I had been diligent in communicating with the merchant before resorting to a charge dispute. Chase refused to refund the charge because too much time had passed since the charge. I believe this was an intentional scam on the merchant 's part and have filed a complaint against the merchant as well. Chase is failing to offer decent consumer protection by refusing to refund my account. I believe their policy is ineffective at helping consumers recover money from scams and they are only helping perpetuate similar scams. Chase 's policy of allowing only a small window of time to pass before refusing a refund is built into the scammer 's model. The scammer continues to confirm that items will be shipped in order to make it past the dispute/refund window, effectively making Chase 's XXXX part of the scam.
Product: Mortgage

XXXX XXXX from Star One Credit Union ( SOCU ) is making unreasonable demands in regards to PMI ( private mortgage insurance ). We were sent a letter asking when we wanted PMI to terminate. We elected the 80 % loan-to-value ( XXXX ) threshold ; XXXX, XXXX is refusing to auto-terminate until XXXX reaches 78 %. When we insisted that the 80 % XXXX threshold for auto-termination is legally correct per federal mortgage standards, SOCU retaliated against us by demanding that we agree to a brand new appraisal for {$570.00} which they wanted us to pre-pay. Our current appraisal is barely a year old and clearly they are simply trying to squeeze us for every penny they can because our interest rate is below current market pricing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have consistently been denied access to credit by more then 10 banks because according to my credit report inaccurate items are on there that are tarnishing my reputation. Which is a violation of 15 USC 1692d 1. ( 1 ) the use or threat of violence or other criminal means to harm the physical person, REPUTATION, or property of any person ; is a violation of the Fair Debt Collection Practice Act. I have tried reaching out to have this problem fixed. Nevertheless these inaccurate items are still being reported which is another violation because according to 15 U.S. Code 1681s-2- Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of Furnishers of Information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors ; 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. ( B ) Reporting information after notice and confirmation of errors. A person shall not furnish information relating to a consumer to any consumer reporting agency. Those along are enough listed violations to equate to over {$5000.00} in fines. I am a single parent that is trying to support a family of XXXX. I have paid my dues in society all I am requiring is to be treated fair. Attached is evidence provided in the FCRA book, FDCPA book, and Proof of Equifax Data Breach Victim.
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 1

5 USC 1681. 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: Credit reporting, credit repair services, or other personal consumer reports

I am writing all three credit reporting agencies directly, without any third-party representation. My email address and telephone numbers are accurate in case any agency such as XXXX XXXX  and Trans Union desire to document my credibility. Accordingly, I am writing to state that I have tried on at least two occasions over the past few months to obtain a copy of my credit report from each respective credit reporting agencies. Please comply with my wishes and mail to me my one free annual copy of each credit report. Thank you for your assistance in this matter. 

XXXX XXXX