23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I believe the company I pay my mortgage to, Lakeview Loan Servicing, is in violation of federal law. 

Lakeview Loan Servicing , LLC XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX, FL XXXX I called XXXX in XXXX because I saw that my escrow account had a balance of {$1600.00} at the end of XXXX after they had already finished paying my XXXX homeowners insurance and my XXXX XXXX XXXX XXXX XXXX. I asked if any of that would be returned to me. The rep said that the company does an escrow analysis of all accounts in XXXX and should there be an excess, they would issue refund checks. 

Having not received any refund, I logged in and looked at my account. Their analysis showed that due to a $ XXXX increase in my insurance and my taxes that, actually, instead of a surplus they concluded that I had a shortfall of {$600.00}. And so, rather than increase my monthly payment by, $ XXXX ( the actual amount of my rising insurance premium and property tax ), or rather than a monthly increase of {$50.00} that would cover their own calculated XXXX annual shortfall amount, they are instead increasing my payment by $ XXXX starting on XX/XX/XXXX! Any increase would seem unwarranted as I pointed out that my end-of-year balance was {$1600.00}, more than enough to cover the {$600.00} increase. That made no difference they said. 

I asked them to explain their bewildering ( to me ) calculations and was told that my minimum escrow cushion is four times the new expected monthly disbursement ( {$560.00} for XXXX ), hence my {$1600.00} surplus was insufficient to cover {$560.00} times 4, or {$2200.00}. 

This would appear, to me, to be against federal law, which limits the escrow cushion to two months, one-sixth ( 1/6 ) year, of the estimated total annual payments from the account. 

From the Consumer Financial Protection website : https : //www.consumerfinance.gov/rules-policy/regulations/1024/versions/17/ 1024.17 ( c ) ( 1 ) ( ii ) ( ii ) Charges during the life of the escrow account. Throughout the life of an escrow account, the servicer may charge the borrower a monthly sum equal to one-twelfth ( 1/12 ) of the total annual escrow payments which the servicer reasonably anticipates paying from the account. In addition, the servicer may add an amount to maintain a cushion no greater than one-sixth ( 1/6 ) of the estimated total annual payments from the account. However, if a servicer determines through an escrow account analysis that there is a shortage or deficiency, the servicer may require the borrower to pay additional deposits to make up the shortage or eliminate the deficiency, subject to the limitations set forth in 1024.17 ( f ).
Product: Credit reporting or other personal consumer reports

please all the fraudulent account and unathorized inquiries listed below XXXX XXXX Account Number : XXXXXXXX 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/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

improper reporting. Collections need to be removed they are reported multiple times. Not updating.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regards to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these items and fix negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

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 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: Vehicle loan or lease

I make monthly payments of {$590.00} to Flagship Credit for my car payments and last month in XXXX I made XXXX payments ; one on XXXX and the other one which I did NOT authorize that came out on XX/XX/XXXX which one was supposed to have been credited back to me. After waiting over two weeks and not receiving the credit, I called them back on XX/XX/XXXX to see what the delay was and to find out they credited it to a closed account! So they supposedly fixed it and said the credit was issued on XX/XX/XXXX to my active account. I have checked with my bank multiple times and they even opened a claim with Flagship being that this credit was never issued. THREE weeks later I STILL have not received this credit and called them back yet AGAIN and all they could tell me is that the credit was issued and there was nothing more they could do. Meanwhile, now my account with them is showing I owe them my monthly payment and not paying this when I should've had this credit or the credit applied to my account with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

Earlier today I got a junk call from someone wanting to consolidate my credit card debt via a XXXX XXXX card to be issued bearing zero interest. 

They seemed to know what credit cards I have and said they got the information from Experian. I do have an account with Experian but have received no alerts from them. 

I'm quite upset that an obviously unscrupulous person or organization has access to my credit information from Experian. I thought the whole idea of Experian was to monitor fraudulent inquiries. 

I don't know what to do. It is impossible to speak with a live person at Experian. I don't know why I should continue to do business with Experian.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2022 I received my firts check in this country from a company called XXXX XXXX  as soon as I got home a deposited my check in my bank account ( Bank of America ) by phone using the Bank of America app. At the next day as soon as I woke up I checked my phone and the application was blocked, went to the bank they told me that they couldnt help me that I needed to call the number in the back of my card which I did every time I called told me something different about what was happening but never the reason why I was under this uncomfortable situation as being accused of suspected fraud for a check I didnt even write that was given to me from my job. After many month waiting on XXXX I received a letter saying that my account was closed and that I was reported to XXXX  I call I ask for my report and I filed a dispute on XXXX to resolved this problem on XX/XX/XXXX I called to see how was my dispute was going they told me that they investigation was accurate but I refuse to stop there because I know that I havent done any kind of fraud I just want to resolved this problem and be able to open an account and start building credit in this country of opportunities. Please I really need your help to resolve this problem
Product: Credit reporting, credit repair services, or other personal consumer reports

Late last year Key Bank acquired XXXX XXXX XXXX. Around the time of conversion, Key Bank posted my payment for both my Mortgage and Home Equity incorrectly ( XXXX and XXXX ),  causing me to show as delinquent. I received several phone calls telling me that they were attempting to collect a debt, after I did research I found that they posted the payments incorrectly. I explained this information to them, they said they would fix it. The next month I received the same phone calls saying my payments were past due. After approx. 3 hours of phone calls ( trying to get to an individual that would be able to help me ) they acknowledged their mistake and provided me with a letter saying it was their error and no negative information was reported. I pulled a Credit report, and they did in fact report me as 30 days past due twice ( XX/XX/XXXX and XX/XX/XXXX ). I again spoke to several people at Key Bank and even made a trip to my local branch. They said the issue was corrected and again gave me documentation stating I was not past due at any point during my loan. Fast forward to last night, when I applied for a new mortgage, and was told my rate would be 1/8 higher then quoted because my credit score was below XXXX on two of the major credit reporting companies. Upon looking at the credit report, it was noted that 2 of the companies are showing I was late with my Mortgage held by Key Bank. The one that was not reporting me as past due had my score above XXXX..enough to get the lower rate. So now because of Key Banks error and their incompetence to make the correction correctly, I am now going to be paying more for my mortgage in addition to the {$32.00} I just paid to see my full credit report. I have never been late on my mortgage or my HELOC and I am beyond upset that because Key Bank made several errors, which they have admitted to, I am going to be paying more for my new home. Does not seem fair to me.
Product: Debt collection

I have an outstanding payday loan, I am being told to a company by the name of midland. I 'm not familiar with the debt. they have threatened to come to my home and job to arrest me. Please help, I honestly do not know what this is about. Their tel # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent letters out via first class mail with tracking on XXXX. According to the FCRA, the Companies are to update the status of my accounts as ( in dispute/ dispute in progress ). I have not heard anything from none of the bureaus ( EQUIFAX, XXXX, XXXX ). These Companies have failed to acknowledge my letters in which I have pointed out violations and innacuracies that MUST be deleted due to my federal rights under the FCRA. I have also verified my identity, proof of address and attatched a current utility bill to ALL letters. If these violated accounts are not removed according to the violation code included in each dispute letter, the bureau MUST provide physical evidence as to who, what, when, where and why they are Verified as CORRECT. 
according to 15 US code 1681b- permissible purposes of consumer reports, states that ONLY IN WHICH I GIVE WRITTEN PERMISSION/INSTRUCTION TO REPORT AN ACCOUNT ON MY CREDIT PROFILE, AND ONLY IF I PERMIT, THAT THESE ACCOUNTS WOULD FOLLOW FEDERAL GUIDLINES UNDER THE FCRA. These Companies have failed to comply to my request and if they do not remove this innacurate accounts, an arbitration will be filed and sent out to all parties.
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified items listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat these items are being reported correctly? Who verified these itesm? 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 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA. Since you claim youve verified the items listed below I wanted to confirm my thoughts and contacted the companies directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ITEMS? I believe you have not verified these items based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I Sent in a Equity Letter exercising my Equity ASKING FOR THE " original instrument of indebtedness in its original form. '' which XXXX XXXX has failed to provide! This documentation DOES NOT!! HAVE MY Social Security Number Or Date of birth on it so how could they say THIS IS MY DEBT? 

I'M ALSO A VICTIM OF IDENTITY FRAUD. THIS IS NOT MY DEBT! This is a direct violation Of the FCRA and the FDCP Act.

This is : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act FCRA Section 623 CUSHMAN v. XXXX XXXX XXXX. US Court of Appeals for the Third Circuit Court case 115 F. 3rd 220 XX/XX/1997, Filed ( D.C. No. 95-cv-01743 ). They refuse to correct information after being provided proof of inaccuracy. 

I've also attached a NOTARY verifying my identity and a bank statement verifying my identity and address.
Product: Consumer Loan

Hello, I have a revolving line of credit ( {$15000.00} ) offered to me after buying an automobile ( in XX/XX/XXXX ) through XXXX where my monthly payment was based on {$100.00} a month for every {$5000.00} borrowed. The car is 'paid-in-full ' however, I 've yet to make a dent in the additional loan, but I 'm paying on time. 

My loan was sold to Springleaf Financial ( SLF ) from XXXX around XX/XX/XXXX/XX/XX/XXXX. Since that time I 've had XXXX serious issues come to light in the management of this loan. 

My situation at present is as follows:1. I was assessed 'late payment ' fees immediately after coming under ( SLF ) yet I left XXXX with my account current and up to date. 

2. My monthly payment was increased from {$310.00} p/month to {$340.00} p/month ( XX/XX/XXXX ) without signing any amendment to my original contract under the pretense that I would have more borrowing power in the future if I needed it. I felt fine were I was but felt if I could not pay my loan off in full, I would have to agree and pay ( nothing was signed or said ). My inner thought on this was what if I did n't have the extra money to do this? Where would I been then? There are horror stories on the web on how this institution has messed up family lives and finances! 

3. This last one is the kicker : I 've been charged this month ( XX/XX/XXXX ) with an 'Annual Fee ' of {$50.00} for what reason I do not know! I thought this was a fee credit card companies imposed on the use of their card ( s ). Bottom-line though, I was not informed of this at all nor was I ever paying it when I was with XXXX! It just showed up on my statement. What 's also strange is that it was assessed this month yet in the block 'Fees charged in XX/XX/XXXX ' - the column has XXXX in it!!!! As far as I know, I did n't pay this last year. ( See attached billing statement ). 

My initial thought was to immediately confront then on their latest 'money grab, ' but I thought better of it once I discovered there was a federal entity that deals with such matters. Should I report my latest 'eye-opener ' to them and then mentioned my XXXX previous incidents, or do I wait until you 've had a chance to review my concerns and provide some guidance maybe? I 'm in no hurry, but I would like to know what 's going on with this company. I 'm sure there may be other customers asking themselves the same question! 

My last XXXX concerns, ( 1 ) if I make an attempt to understand what 's going on would it in effect put a target on my back by complaining about these seemingly small breaches of protocol on contract management? ( 2 ) Due to inaction on my part, have I lost the opportunity to effectively complain at this point?
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit companies and bureaus are not complying with there own policy within a timely manner.
Product: Credit reporting, credit repair services, or other personal consumer reports

Company fails to validate how they were able to verify the bankruptcy when court records reflects that they do not verify this information. meaning information reporting can be inaccurate and according to Fair credit reporting act its unsafe to verify through third party.
Product: Credit reporting, credit repair services, or other personal consumer reports

a bankruptcy is reporting under my name on transunion credit reporting agency, this bankruptcy is inaccurately reporting since it was filed with out my knowledge and with out my consent, a lawyer who now is disbarred, has done this to many of his clients, and he is suffering now from consequences, but now i am suffering because of this inaccuracies. 
please i have attache the police report and also filed dispute many of them with transunion who is unwilling to remove this inaccuracy from my credit file please help me to get to the bottom of this and have this inaccuracy removed from transunion reporting only thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX on XX/XX/2022 pulled my credit and I did not apply for anything XXXX XXXX XXXX pulled it on XX/XX/2022 and I did not apply for anything with them
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity was stolen and I made transunion and XXXX aware of this and sent numerous of letters and documents as proof to the identity theft and accounts that were associated with the theft. 

These companies are still reporting these accounts as thou they are accurate when in fact they are included in my information being stolen. 

According to 15 USC 1681b ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) Information regarding inquiries ; Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.

Also Aggravated Identity Theft pursuant to 18 U.S.C. 1028A.

( 1 ) IN GENERAL.-Whoever, during and in relation to any felony violation enumerated in subsection ( c ), knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 2 years.

Also 15 USC 1681b Permissible purpose of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

And 15 U.S CODE 1681C-2-BLOCK INFORMATION RESULTING FROM IDENTITY THEFT ( A ) BLOCK
Product: Credit card or prepaid card

This is in regards to my Chase visa credit card. I have been a customer of Chase Bank upward of 30 years. I found out a transaction at XXXX was being declined {$200.00}. Just prior to that I had made XXXX payment from my same account and login where I have checking account ( I have checking/saving/credit card all at Chase..same website ). still declined. So I called Chase card..two operators one after another the pinnacle of rudeness and unhelpful attitude..I kept requesting that the hold be removed. The holier than thou and condescending attitude displayed by specially this lady account manager who upon asking 8 or 9 times by me connect me to a supervisor completely ignored me and was being hostile and extremely offensive and rude.Noteworthy I had made XXXX payment just in the prior month..instead of being appreciative they treated me worse than a deadbeat.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it once again. It is not permissible to fail to validate these reporting accounts as unverified information. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report.

Here is the list of items that do not belong to me or were opened without my permission. 
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 or other personal consumer reports

My account with was never late! I have had exceptional payment history witH XXXX XXXX  and all payments were placed on XXXX. 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 60 days 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. 


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 XXXX 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 XXXX