23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I am writing to formally demand that you cease and desist from reporting false and misleading information on my credit report in violation of the provisions outlined in the Fair Debt Collection Practices Act ( 15 U.S. Code 1692 C ).

It has come to my attention that your agency has erroneously updated several closed accounts on my credit report to reflect recent delinquencies. This inaccurate reporting not only misrepresents my credit history but also violates my rights under the Fair Debt Collection Practices Act, specifically section 808 - Unfair Practices.
Product: Mortgage

I'm writing regarding an egregious hidden fee from my mortgage company, Everbank.

Everbank is the mortgage lender on my home. Everbank mailed me a notice this past XXXX from Everbank that my home insurance had lapsed, so I immediately called XXXX and signed up a new policy. I reached out to Everbank several times to submit and confirm my new policy, but without response of the part of Everbank. 

Now in mid XXXX, I received a mortgage statement from Everbank charging me {$1800.00} on top of my mortgage payment for insurance coverage. After reaching out to multiple points of contact at Everbank, I was finally told they were penalizing me for the period that my house was not covered.

This is patently unfair. The minute I learned that my coverage had lapsed I immediately fixed the issue. I have always paid my mortgage on time ; I work hard to maintain a good credit rating ; and I invest time and effort to maintain my home, which is the collateral for the Everbank loan. As a result, there has been no material damage to the house during any period of the loan.

Instead, Everbank is using this foot fault to gouge {$1800.00} from a timely and responsible borrower. I have a young child at home ; my wife is about to give birth to our second; and I have a full time job. It's terrible that a large company like Everbank seeks to take advantage of busy working families with large hidden fees.
Product: Credit reporting or other personal consumer reports

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the EXPERIAN and XXXX Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 
XXXX XXXX XXXX Balance : {$29000.00} XXXX XXXX XXXX Balance : {$5200.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

i previously opened a case that was closed after Experian responded,,, case number XXXX the problem was that the answer that was given was false and not true at all and since i cant respond in a closed case im opening another as i was advised to do when i called in to speak to an agenct. i stated in the case that for 4 months straight i had sent letters challenging incorrect information on my credit report and all of those challenges were ignored ... no receipt, no investigation, or anything. experian responded and stated that i called in on XX/XX/XXXX regarding this and that they fixed the action. this is not true as i called in to experian on XX/XX/XXXX for a totally different matter all together. that issue was that for whatever reason my credit card through XXXX XXXX had been removed from my report and all of the credit history, credit limit and everything had been removed from experian causing my score to plummet XXXX points ... .i called in to ask what happened. this had nothing to do with the complaint i filed here stating and showing proof that for 4 months i have sent in written challenges regarding several different issues on my credit report... not only had they not acknowledged those, they never even bothered responding to any of them ... so the answer they gave was false... they have no acknowledged those letters that were sent out in XXXX, XXXX XXXX and XXXX so im filing another case
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this complaint in response to the current evaluation presented by the Credit Bureaus. I have to pursue my efforts to resolve these matters which require intentness to my personal credit report. I am frustrated and feel there are errors that are still reported on my personal credit report which are not clearly stated as to the accuracy and completeness of the information. At this time, I solely seek the correct remedy to my personal credit report and dispute the remaining information to correct. The last letter I sent to the Credit Bureaus was dated XX/XX/2022 with complete attachments of my Personal information. I have also been sending multiple letters before, but despite all my efforts, the Credit Bureaus have been doing nothing! I am appalled by the ability of the Credit Bureaus to pay no attention at a consumer 's requests. I am inclined to pursuing legal action and sue the Credit Bureaus for their Actual damages done. I need the following items removed now! : XXXX XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX Balance Owed : {$2000.00} XXXX XXXX XXXX Balance Owed : {$1500.00}
Product: Mortgage

The Mr.Cooper mortgage company completed an " escrow analysis '' of our mortgage in XXXX of XXXX, in which it created an artificial " escrow shortage '' by anticipating property tax payments a full TWO MONTHS before such payments are actually due. On XXXX XXXX we wrote Mr.Cooper pointing out the error, and a subsequent " escrow analysis '' was conducted repeating the same error and continuing to create an artificial escrow shortage for which Mr. Cooper seeks to raise our mortgage payment. Further, despite the " anticipated '' escrow payment used by Mr.Cooper, the actual property tax payment " anticipated '' for XXXX XXXX, XXXX was not actually made by Mr. Cooper ( it isn't due until March ), thus proving there is NO escrow shortage.
Product: Credit reporting or other personal consumer reports

When I checked my credit report this morning, I was shocked and disappointed to see incorrect accounts appear, and Im at a loss as to why this happened. I routinely monitor my report, and everything has always been accurate until now, when I suddenly saw discrepancies. I tried refreshing the page, thinking it might be a glitch, but that didnt help. The accounts remained, and now I feel extremely anxious. Im urgently requesting that the documents Ive submitted be reviewed in detail so I can finally put this issue behind me.
Product: Credit reporting, credit repair services, or other personal consumer reports

My ex wife and I purchased a car through a local dealer and was financed through JP Morgan / Chase bank. The car was in default and charged off. Upon the finalization of our divorce I attempted to provide the court order to Chase which stated that my ex wife was solely responsible for the loan and Chase refuses to accept the document and also to remove the loan from my credit report instead choosing to transfer me between two or three different departments in a round robin. Please help
Product: Credit reporting or other personal consumer reports

Subject : Request for Deletion of Inaccurate and Unverifiable Account Information Account XXXX To Whom It May Concern, I am writing to formally request the permanent deletion of the following account from my credit reports, as the information reported is inaccurate, unverifiable, and in violation of consumer protection laws. 

Account Information Account Number : XXXX Creditor Name : XXXX High Balance : {$2400.00} Credit Bureaus Reporting : TransUnion XXXX XXXX, and XXXX Issues and Violations 1. Contradictory Reporting Across Credit Bureaus The account is reported as open with TransUnion but as closed with XXXX and XXXX. This inconsistency violates the requirement under FCRA Section 1681e ( b ) for credit reporting agencies to ensure maximum possible accuracy.

2. Lack of Verification by the Furnisher The remarks indicate the account has been disputed ( " Account information disputed by consumer, meets FCRA requirements '' ), yet no evidence has been provided to verify the validity of the debt as required under FCRA Section 1681s-2 ( b ) and FDCPA Section 809 ( b ). 

XXXX. Reporting of Derogatory Information Without Validation The original creditor is listed as " XXXX, '' but no documentation has been provided to establish the legitimacy of this collection account. Without proper validation, reporting this account is a violation of FDCPA Section 809 ( b ) and FCRA Section 1681i ( a ) ( 1 ).

4. Inconsistent Dates The Date of Last Activity varies between bureaus : TransUnion : XX/XX/year> XXXX : XX/XX/year> XXXX : XX/XX/year> This inconsistency casts doubt on the accuracy and reliability of the information, violating FCRA Section 1681e ( b ).

5. Unverifiable Past Due Amount None of the credit bureaus provide details of a past-due amount or payment history, making the account unverifiable and in violation of FCRA Section 1681i ( a ) ( 5 ) ( A ).
Product: Credit card

I did open American Express business platinum card. And the welcome offer is spend {$20000.00} get XXXX points. I talked with customer service many times to check my status. And I received XXXX points. But American Express cancel my points and tell me because of refund. I talked many times with customer service, and no one tell me refund not meet requirements. They check me spend status never tell some of amount dont meet requirement.
Product: Credit card or prepaid card

When linking an ACH to my Grain.credit account, then wanted to change it so I can make sure my payments are going through. The support staff fail to respond.
Product: Mortgage

My home mortgage was serviced by Mr. Cooper. I was on XXXX XXXX orders for the month of XX/XX/XXXX. I requested XXXX  and XXXX  benefits from every financial institution or lender I do business with, including a XXXX  payment deferral. 

All replied back ( XXXX, XXXX, XXXX, XXXX XXXX  ) with a similar letter in accordance with the CMFFRA your payments have been deferred.Your new interest rate is 0 % and your next payment will be due X/X/X. 

At the end of the deferment period, my loans returned to their regular interest rate, with no additional chargers or deferred interest. 

Nationstar denied my XXXX payment deferral several times stating that my account was already approved for XXXX  benefits and nothing else was required. After multiple requests over a period of several months, I finally received a letter that my payment deferral had been approved as a one-time exception to their XXXX  policy, and that payments would be deferred from XXXX and that my loan maturity date had changed from XX/XX/XXXX to XX/XX/XXXX. 

Unbeknownst to me at the time, Nationstar had effected a {$5400.00} lender paid expenseagainst my loan, however it did not raise or lower my principal balance. That {$5400.00} balance was used to make payments to my account to cover principal and interest during the duration of my deferral. 

I was not aware of the charge until I paid off the mortgage loan on XX/XX/XXXX and was charged the {$5400.00} lender paid expense. I initially believed that the entirety of the {$5400.00} charge was owed to me, but after reviewing my statements, I found that those funds were used to pay towards my loan during my deferment period and I was charged {$1500.00} in interest during the deferment period. 

My issue is with the interest charged during the deferment period. Section 804 of the Military & Veterans Code states No interest shall be charged or accumulated on the principal or interest on which the payment was delayed.
Product: Credit reporting, credit repair services, or other personal consumer reports

The information that have been falsely submitted and continue to publicize with my name with any credit bureau ( s ) needs to be removed immediately. Failure to do so will result damage to my Life, Liberty and the pursuit of Happiness, an I will bill additional charges per civil rights violation. In accordance with the Fair Credit Reporting Act. Violating my rights 15 U.S.C. 1681 section 602A. 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 or solicitation of any account information without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to inform you that there is 100 % improper use of the credit report. Attached to the XXXX! XXXX, XXXX, and XXXX HAVE 1000 % VIOLATED THE FCRA, AND IM HIGHLY XXXX ABOUT THIS. I looked over the credit report and found some addresses that appear incorrect. Not only did I find addresses, but I ALSO FOUND TONS OF INACCURATE INFORMATION ON THE CREDIT REPORT. INCLUDING ACCOUNTS THAT I NEVER GAVE YOU WRITTEN PERMISSION TO ADD ON ANY INFORMATION TO THE CREDIT REPORT! As instructed on your website, I've enclosed documentation providing proof of my current address, social security card, utility bill, driver 's license, and insurance card. This is the final step BEFORE TAKING THIS INACCURATE, FRAUDULENT ACTIVITY IN FRONT OF A JUDGE. Under the FCRA, ONLY CORRECT INFORMATION SHALL BE ADDED TO A CONSUMERS CREDIT REPORT, and the information on the XXXX, XXXX, and XXXX credit report isn't accurate AND ITS XXXX  XXXX. I've spoken to a lawyer, and he told me that I COULD EASILY take THIS to court AND FINE XXXX, XXXX, and XXXX {$1000.00} PER VIOLATION ( and there are many violations ). I DEMAND YOU, XXXX, XXXX, and XXXX, TO REMOVE ALL OF THESE FRAUDULENT INCORRECT ACCOUNTS FROM THIS CREDIT REPORT WITHIN 24 HOURS OF RECEIVING THIS LETTER. YES, I WANT THE ENTIRE ACCOUNT FULLY WHIPPED OFF THE CREDIT REPORT WITH NO FRAUD REMARKS OR DISPUTE COMMENTS REMARKS LEFT ON THE CREDIT REPORT. IF THESE FRAUDULENT, INACCURATE ACCOUNTS DO NOT COME OFF THE CREDIT REPORT WITHIN 24 HOURS. THE LAWYER HANDLING THIS MATTER SAID HE WILL BE TAKING MASSIVE LEGAL ACTION AGAINST THE FOLLOWING CORPORATIONS FOR LETTING THIS HAPPEN : POTENTIAL LAWSUITS LIST : XXXX, XXXX, and XXXX TO MAKE THE DELETION PROCESS EASIER FOR YOU, ATTACHED IS A LIST OF THE INACCURATE ACCOUNTS THAT NEED TO BE TAKEN OFF THE CREDIT REPORT ASAP. AND FRAUDULENTLY REPORTED INQUIRIES THAT NEED TO BE TAKEN OFF ASAP. 

CB INDIGO Account # XXXX U.S.C 1681 section 602 A. States I Have the Right to Privacy!!! 15 U.S.C 1681 section 604 A Section 2 : Also, States A Consumer Reporting Agency Can not Furnish A AccountWithout My Written Instructions!! DELETE THIS ACCOUNT IMMEDIATELY FROM THE CREDIT REPORT UNLESS YOU WANT TO BE HELD FOR {$1000.00}
Product: Credit reporting or other personal consumer reports

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update or remove the following inaccurate items in my 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
Product: Debt collection

I just got serve Tuesday XX/XX/XXXX unfortunately the papers were delivered to my now XXXX year old daughter papers were not in any kind of envelope, she read and shared with her XXXX year old brothers the forms against me and was crying when I got home.
Product: Credit reporting or other personal consumer reports

I am writing to follow up regarding the ongoing issue with my credit report. Despite my multiple attempts, I have been unsuccessful in correcting an inaccurately reported late open account on my credit file, which is adversely affecting my financial standing. I have repeatedly contacted your organization to dispute the inclusion of a late open account on my credit report, which is not a true representation of my financial history. The presence of this account has led to a reduction in my credit score, causing difficulties in obtaining loans, securing favorable interest rates, and achieving my financial goals. I have attached the following supporting documentation for your review : Copies of all previous correspondence and dispute letters submitted to your bureau. Evidence demonstrating the inaccuracies on my credit report, including any relevant documentation or statements refuting the late open account. Proof of my timely payments and other financial history, which should accurately portray my creditworthiness. Despite my consistent efforts to address this issue, the late open account remains on my credit report, causing me ongoing financial stress and setbacks. I am concerned that these inaccuracies may further impact my ability to secure housing, employment, or access to credit services. I request an immediate and thorough investigation into this matter. With this, I am asking for your assistance to correct the accounts : XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX {$0.00} ; XXXX  XXXX Balance : {$200.00} ; XXXX XXXXXXXX Balance : {$0.00}.
Product: Credit reporting or other personal consumer reports

XXXX, Experian, and XXXX continue to report late payments on the account XXXX XXXX XXXX which is inaccurate. Who gave XXXX, Experian, and XXXX permission to report this account as late? The credit bureaus play a vital role in commerce and as a consumer I have the right to credit in which I am being denied due to the inaccurate reporting of these late payments. Neither credit bureau has sent me notice to opt out of these alleged late payments furthermore I have no knowledge of ever giving my expressed or written consent to report this financial account. 
( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18.

( 2 ) In accordance with the written instructions of the consumer to whom it relates.

A person may not procure or cause to be prepared an investigative consumer report on any consumer unless ( 1 ) it is clearly and accurately disclosed to the consumer that an investigative consumer report including information as to his character, general reputation, personal characteristics, and mode of living, whichever are applicable, may be made, and such disclosure ( A ) is made in a writing mailed, or otherwise delivered, to the consumer, not later than three days after the date on which the report was first requested, and ( B ) includes a statement informing the consumer of his right to request the additional disclosures provided for under subsection ( b ) of this section and the written summary of the rights of the consumer prepared pursuant to section 1681g ( c ) of this title ; and ( 2 ) the person certifies or has certified to the consumer reporting agency that ( A ) the person has made the disclosures to the consumer required by paragraph ( 1 ) ; and ( B ) the person will comply with subsection ( b ).

( b ) Disclosure on request of nature and scope of investigation Any person who procures or causes to be prepared an investigative consumer report on any consumer shall, upon written request made by the consumer within a reasonable period of time after the receipt by him of the disclosure required by subsection ( a ) ( 1 ), make a complete and accurate disclosure of the nature and scope of the investigation requested. This disclosure shall be made in a writing mailed, or otherwise delivered, to the consumer not later than five days after the date on which the request for such disclosure was received from the consumer or such report was first requested, whichever is the later.

( c ) Limitation on liability upon showing of reasonable procedures for compliance with provisions No person may be held liable for any violation of subsection ( a ) or ( b ) of this section if he shows by a preponderance of the evidence that at the time of the violation he maintained reasonable procedures to assure compliance with subsection ( a ) or ( b ).
Product: Mortgage

On XX/XX/XXXX my newly refinanced loan was sold to Shellpoint Mortgage for servicing rights. Since that time i have made monthly payments in accordance with note each month. I am current and plan to continue to pay as agreed. Per my monthly statement, the monthly payment is {$8700.00} and includes the following ; - {$6700.00} ( Morgage ) - {$1600.00} ( Tax Escrow ) - {$280.00} ( Insurance Escrow It should be noted that although this loan was sold to Shellpoint with taxes and insurance paid to current status, Shellpoint has not been paying my property taxes to my local taxing authority on time. They have clearly made an error but will not admit and/or rectify their wrongdoing. Shellpoint 's mishaps has lead to late fees and interest charges that appear on my account. I have demanded several times ( most recently on XX/XX/XXXX ) in writing and by phone for them to allow me to pay my taxes directly and avoid late fee interest charges. I will not pay for mistakes that i am not responsible for. I have not missed a payment since they have acquired my loan. 

My request is simple. I would like to have the escrow requirement waived so that I can pay my taxes directly as I can not trust that Shellpoint will ever handle my taxes correctly. I am asking CFPB to take action immediately. I have been asking since XXXX of XXXX.
Product: Checking or savings account

I signed up for a new checking account at my local branch, who stated that I was eligible for a a promotion by opening up a new checking account and closing my old one. I did this. I met all the criteria to obtain the promotion within the time frame. They said allow 60 days. I did that, plus some. I have made XXXX phone calls, all 8 calls have given me a representative or banker, who have given me either lies OR false promises as to when the promotional funds would be available. When I wasnt getting anywhere with customer service, I called the local branch, explained what was going on. They asked that I give them a couple of days and theyd get back to me. The bank manager called me back and stated she never entered a promotional code on my account and basically called me a liar. This was the branch in XXXX Ohio at the XXXX. I have spoke to at least 8 bankers and a different manager, who have stated that the promotional code was entered and I did qualify. Last week was my last call to customer service, they were to call me back on Thursday or Friday last week, nothing. I deserve the promotional funds I was promised because I met all the criteria. I asked to speak to a supervisor or corporate and they will NOT put in contact with anyone there.
Product: Credit reporting, credit repair services, or other personal consumer reports

My score goes up one month and then they take it down when they re- report late payments from two years ago. I have a two year exceptional payment history, but my score is XXXX reported by Experian.. please help
Product: Credit reporting or other personal consumer reports

I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
XXXXXXXX XXXX  XXXX Balance : {$5000.00} ; XXXX XXXX Balance : {$1000.00} ; XXXX XXXX Balance : {$4300.00} ; XXXX XXXX XXXXXXXX Balance : {$700.00} ; XXXX  XXXX XXXX Balance : {$1900.00} ; XXXX  XXXX Balance : {$2500.00}.