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

I have encountered the following issues with the loan servicer : XXXX. Incorrect Delinquency Reporting : Despite consistently making my payments on time, XXXX XXXX XXXX has incorrectly reported my account as delinquent to the credit bureaus. This has caused significant harm to my credit score and caused unnecessary distress. I have reviewed my payment records, and I am certain that all payments were made as agreed. 

2. Ignoring Point of Contact : I have made multiple attempts to reach XXXX XXXX XXXX through the designated point of contact, which was provided to me by their customer service. However, my inquiries have either been ignored or left unanswered, causing further frustration and confusion regarding the status of my account. 

XXXX. Failure to Update Account Information : Despite reaching out to XXXX XXXX XXXX to correct the erroneous delinquency reporting and requesting an update to my account information, they have failed to make any changes or provide a satisfactory resolution. I have not received any confirmation that the issue is being addressed or that the inaccurate reporting will be corrected. 

I request that the CFPB assist in resolving the following : 1. Immediate correction of the inaccurate delinquency reporting on my credit report.

2. A review of my account to ensure that it accurately reflects my payment history.

3. Contact from XXXX XXXX XXXX to address these issues and provide a resolution, such as compensation for the intentional damaged caused.
Product: Mortgage

I have been a US Bank customer for a year now. I recently was looking at my Annual Escrow Account Disclosure Statement as of XX/XX/XXXX and noticed that besides my shortage of {$480.00} US Bank is adding a reserve requirement to my account for the amount of {$130.00} which is causing my shortage to be {$610.00} rather than {$480.00}. This amount has been prorated over 12 months for the amount of {$51.00} which should only be $ XXXX {$40.00} over 12 months. I work in a large home mortgage company in which to my knowledge with escrow, per the law, the state of Nevada does not require a reserve. However, US Bank is adding a reserve to my account. This company is exhibiting unethical and illegal behaviors. I called US Bank today XX/XX/XXXX and spoke to a representative named XXXX in which stated that they are unable to remove the reserve per their policy. I asked to speak to a supervisor and the agent stated there was not one available and transferred me to a senior agent by the name of XXXX. This agent did not help me in any way and kept stating that per their policy they can not remove the reserve even after i mentioned that the law does not require a reserve and per RESPA they are allowed to have one but if the state prohibits a reserve they should be able to remove it. Conversation was not going anywhere towards helping me and clearly they are not abiding by the state law. Please see the screenshots and the highlighted information as reference.
Product: Checking or savings account

I am writing to file a complaint against Navy federal credit Union regarding multiple over draft fees I have incurred Despite having sufficient funds, when transaction were authorized, I was charged fees due to lagged postings of charges and credits this issue aligned with the recent CFPB findings against Navy Federal similar practices, where transactions were settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following companies made unauthorized inquiries on my personal credit report. I listed below the names and the dates the inquiries were made. Since I did not authorize these companies to obtain my credit report, I demand that these inquiries be deleted as soon as possible and my credit score be adjusted accordingly : XXXX XXXX  XX/XX/XXXX, XXXX XX/XX/XXXX, 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

This bank is making it hard for me to withdraw my funds out with my ATM card. I am at the machine today and it's saying I committed fraud taking out my own money in person. Yet last time this happened they told me the machine has issues and every other card holder it's flagging for fraud at that ATM machine. They poorly maintain the machine plus are accusing me a fraud when I have adequate funds in my account and the transaction should go thru. This is getting to be a form of harassment. They need to fix or replace the ATM machine. They have issued me a new card at this time. They said it would be a fix. Yet I was told last time the machine is in need of maintenance.
Product: Credit reporting or other personal consumer reports

XXXX XXXX  requested inaccurate information be removed
Product: Payday loan, title loan, or personal loan

Acquired loan on XX/XX/22. Payment prior to statments XX/XX/22 {$100.00}, XX/XX/22 {$100.00}. Additional money sent XX/XX/22 statement {$14.00}, XX/XX/22 statement {$14.00}. All additional payments are being applied to the interest and not the principal. I contacted the company by email and a letter on XX/XX/22 stating all additional payments, dates that were to be applied to principal and asked for correction by next statement. No corrections have been made and they continue to apply all money sent to interest.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX attempt to dispute the information in my credit file which is resulted from an identity theft. The Credit Bureaus has no response regarding this issue. Again, Im sending over Identity Theft Report # XXXX Pursuant of FRCA section 605B ( a ) ( 1 ) ( 2 ) Credit Bureaus are required to block any information in my file that resulted from identity theft, not later than 4 business days after the date of receipt with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report. The following items listed below are unknown to me and need to remove from my file : XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Inquiry Date XX/XX/2021 ;
Product: Debt collection

A judgement was granted ( XXXX ) but the amount the collection agency is attempting to collect is incorrect. A check totaling the amount of {$130.00} was cashed and the balance should a lower balance.
Product: Checking or savings account

Last XX/XX/XXXX, i received an email stating the my sofi account is restricted due to security reason, another email was sent and for the same reason. Then I received a new email stating that my account is now ok and ready to use. Then I tried to access my account last XX/XX/XXXX to see if my direct deposit is now available and saw that my account is still restricted. Called Sofi bank and they said that my account will be closed due to the user agreement. Ask for a specific reason which they XXXX  provide. Called again today, the XXXXXXXX XXXX XXXXXXXX and they are giving me round around. I just need my money since its time to pay for the rent. I asked them whats the email regarding the removal of restrictions and they told me that investigation put my account for a different reason which they dont know.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX   XXXX  reported that I paid my mortgage 30 days late, when in fact if was only 29 days. They refuse to remove it from the credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reported some accounts to Equifax that are not mine and they have not removed this information from my credit report yet.
Product: Debt collection

This debt buying company, XXXX XXXX, recently added a derogatory account to my credit report. All three bureaus, in fact. They say I have an {$870.00} debt with a XXXX XXXX dating back to XXXX. Upon checking my credit scores, no debt with this information appeared before XXXX. The company reportedly bought it back in XXXX of XXXX. 

I received notice of a debt collection on my credit report on XXXX of XXXX. I quickly started disputes with XXXX and XXXX, XXXX did not show a new mark but did drop my score XXXX points. I reported a fraudulent act to these bureaus and was told it would be 30 days. 

I reached out to this parasite company and told them that I never had a XXXX XXXX and that this card had been fraudulently opened without my permission. 7 years ago, according to them. They said they'd mark it as fraudulent. 

I have NEVER had a XXXX  XXXX, I would think the proof would be as simple as the credit bureau checking through my information and seeing that that card has never reported on my credit report. Surely, if I defaulted on a credit card, I would have heard about it before 7 years had passed, right?
Product: Credit reporting or other personal consumer reports

FTC REPORT NUMBER XXXX These are not mines I was a Victim of Identity Thief. This is wrong on my credit report, I want these removed in XXXX days. 

I DEMAND PROOF OF VERIFICATION WITHIN XXXX DAYS, IF NOT? YOU WILL BE VIOLATING MY CONSUMER RIGHTS!! 



By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past XXXX months. 




( These is the follow law that been broken during this span ) 15 U.S. Code 1681a-Definitions ; rules of construction | U.S. Code | US Law | Lil/Legal Information Institute 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 15 USC 1681a 2 ( A ) ( 1 ) - EXCLUSIONS-Except as provided in paragraph ( 3 ), the term " consumer report '' does not include- ( A ) subject to section 1681s-3 of this title, any-report containing information solely as to transactions or experiences between the consumer and the person making the report,
Product: Mortgage

My mortgage was opened with XXXX XXXX XXXX XXXX  XXXX OH ) in XX/XX/XXXX. It was recently sold to LoanCare LLC ( XXXX XXXX, VA ) in XX/XX/XXXX. The loan number is XXXX. The transfer date is XX/XX/XXXX. 

A number of issues occurred during the transition to LoanCare, which resulted in the LoanCare website showing incorrect data for weeks. This data included incorrect original loan amount, interest rate, and payment amount. 

I have called LoanCare customer service no less than five times to ask them to review the data and resolve the issues. While the data on the LoanCare website is now correct, there is still a " payment block '' in place which is preventing me from paying my mortgage. The payment block also prevent LoanCare customer service from taking payments. 

It has been 46 days since the mortgage transfer, and seeing how I only have a grace period of 60 days before payments can be considered late, I am extremely concerned that LoanCare will do nothing to resolve this situation and that I will be at risk of foreclosure. 

The LoanCare customer service representatives have repeatedly assured me that they have " escalated '' my case in order to remove the payment block, but it remains in place today.
Product: Debt collection

Transactions is excluded from a consumer report. 
15 U.S. Code 1681a ( 2 ) ( A ) ( i ) ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject tosection 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between theconsumerand thepersonmaking the report. 

XXXX XXXX  and XXXX  after dealing with inaccurate information on my credit reports. This is defamation of my character and detrimental to my health. Transactions known as late payments are illegal and are to be excluded from a consumer credit report. This inaccurate late payment ( s ) violate the Fair Credit Reporting Act and I demand you to remove it from my credit report.

Your corporations have caused me to be judged and lose out on opportunities which created actual damages to my life. Under 15 U.S Code 1605 ( a ) If a Finance Charge was included which is the sum of all payments There Should be no late payments on this account
Product: Debt collection

Debt collector ( XXXX XXXX ) first contacted me about a debt that he said I owed, I told him that I don't owe that debt I paid the person ..He basically dismissed me and said how do want to pay ..i said don't contact me anymore since you aren't willing to prove the debt. He has contacted me, my jobs HR dept, my supervisor has stated that it has become a interruption of work. Communication has made to stop all forms of contact but he continues to contact with mail, phone and employer contact. Once he even stated that he could use me if I didn't pay. Has been verbally aggressive on the phone at one point yelling out " HOW ARE YOU GON NA PAY CREDIT OR CASH, CREDIT OR CASH, CREDIT OR CASH ... .THATS ALL I WANT TO HEAR. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX lists me having a 30 days late on XX/XX/2020 and this is reporting incorrectly and i have notified the company and equifax about this and still no correction
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX OPM data breach as well as XXXX XXXX XXXX  data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$46000.00} XXXX XXXXXXXX Balance : {$5000.00} XXXX XXXX XXXX Balance : {$2700.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

I want to report an attempt to deceive me into signing a loan doc application on the pretense that I had a signature was " missing '' a place when I signed the original loan doc application which had all the correct agreed upon numbers for loan origination and processing fees with title and appraisal and other related closing fees. In the course of resigning the edoc to get a missing signature applied, I discovered my closing cost ballooned. An added {$5200.00} on line H borrower to pay, where it was XXXX in my original doc. After I brought this to attention of processer was told would check with loan officer and subsequently told this increase due to appraisal coming in lower. The fact that they tried to deceive me to sign this loan application with added cost by telling me a signature needed was missing is defrauding me by doing so. NOT GOOD! Needless to say I asked them not to contact me any further, days later received email from their customer resolution department. Informed them what happened and that I would report it to whomever would hear me, have not gotten a reply since, that was last week. 

Here are the particulars. Late XX/XX/XXXX early XXXX reached out to Caliber to re-fi my current mortgage with them after receiving multiple emails and flyers in the mailbox about no re-fi fees except appraisal and title, take advantage of Feds latest rate cuts. 
On XXXX, signed loan doc via edoc with XXXX XXXX with agreed rates and fees was told doc would be sent to underwriters. 

XXXX Provided income verification and ID docs to processor XXXX XXXX. 
XXXX through XXXX was sent various versions edocs from Caliber system to sign, noticed they did not match loan application signed on XXXX, contacted XXXX XXXX, told " not to worry, system does that, only to sign if asked by someone to sign '' From that point I heard from an appraiser set up appointment and appraisal doc notice was sent to me on XXXX. On XXXX received email from XXXX that a signature was missing and I needed to sign a doc to complete the application. 

Upon looking at the doc it was errant the loan amount, term and interest were wrong they were based on a competitor offer they received from me, it did not represent the terms agreed upon and initially signed on XXXX. Received apology from underwriter and new copy for me to sign was sent, that is when I notice the fee difference of borrower to pay {$5800.00} where the XXXX did not have but rate, amount of re-fi and 30 year team was the same. Only when I asked after being told to sign this new doc on pretense I was adding a missing signature to original was I told sorry your appraisal caused this. This is not acceptable business practice I almost was tricked into signing up for a loan on terms I did not originally agree too on premises I was completed what I did agree too, not good, not good at all.
Product: Credit card or prepaid card

This regards my Citibank credit card. 

I received a call in early XX/XX/2021 about a fraudulent charge on my account. Citibank said they were cancelling the card and sending a new one. I was traveling at the time, so I asked them to send the new card to my temporary address in OR. They agreed. 

However, the card never came. I spoke to another representative who said -- oops, they sent it to CA instead. They'd cancel that card and send a new one instead. This one would be sent to OR. 

Still, it didn't come. I contacted Citibank 2 more times, and they said I hadn't waited long enough. It had been definitely sent to OR. I just had to wait longer. However, a month later, the new card never came. 

At this point, I checked at our old address in CA, and sure enough - there were 2 cards there. Citibank had never sent a card to OR after all. They also didn't cancel the old card before sending the new card -- all the cards they sent had the same number. 

I tried to reach out to Citibank again to check how many cards were out there with the same number. I don't know what they sent where, and I'm worried someone else could get their hands on one of the extra cards. However, I can't get an answer from anyone. 

I am very frustrated. I have spent many hours on the phone and chat with Citibank, with great frustration. None of the representatives can give me accurate information. Also, the representatives refuse to transfer me to a manager. I am completely stuck.
Product: Mortgage

My mortgage was transferred from XXXX XXXX to Specialized Loan Servicing XX/XX/XXXX. Prior to this loan transfer my annual sewer service charge, payable to my county was not paid by the mortgage company. I paid this service charge separate from my mortgage company. 
In XX/XX/XXXX, Specialized Loan Servicing increased my Escrow account to now include this sewer service charge. Even though the mortgagee company accrued the money, it has failed to make this payment on time. Payment was due XX/XX/XXXX, as of XX/XX/XXXX payment is still outstanding with penalty charges. 
I have tried to resolve this issue with the mortgage company numerous times, both by phone and text message. I can not contact the company by phone because my call is placed in an automated continuous voice loop. 
This mortgage company lacks the ability to resolve issues satisfactory and lacks basic communication skills.
Product: Debt collection

This is a complaint against CCS.The reason for this complaint is that I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company. I did not open or authorize this account, and I therefore request that it be closed immediately. I also request that absolve me of all charges on the account, and that you take all appropriate steps to remove information about this account from my credit files. Enclosed is a copy of my Identity Theft Report supporting my position, and a copy of my credit report showing the fraudulent items related to your company that are the result of identity theft. [ Consumers should redact information that is unrelated to the dispute with this company. ] Also enclosed is a copy of the FTC Notice to Furnishers of Information, which details your responsibilities as an information furnisher to credit reporting agencies ( CRAs ). As a furnisher, upon receipt of a consumers written request that encloses an Identity Theft Report, you are required to cease furnishing the information resulting from identity theft to any CRA. The Notice also specifies your responsibilities when you receive notice from a CRA, under section 605B of the Fair Credit Reporting Act, that information you provided to the CRA may be the result of identity theft. Those responsibilities include ceasing to provide the inaccurate information to any CRAs and ensuring that you do not attempt to sell or transfer the fraudulent debts to another party for collection.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian widely denies consumers access to consumer credit reports through the online option as the other 2 bureaus provide, and Experian agrees to also provide. For multiple years I have been prevented from obtaining my credit report online. I am only able to request a hard copy through the U.S. Mail. The US Congress has provided weekly credit reports through the 3 bureaus. It is not reasonable to write every week and send a letter every week to receive a hard copy weeks later. I have sent certified mail and received no response to any correspondence over the years. Calling Experian reaches staff that is ill equipped to resolve an issue such as this. No supervisor returns calls. No supervisor is available during these calls according to Experian staff. I am able to properly obtain my credit report online with XXXX and XXXX through the XXXX website. And Experian does in fact provide me with an electronic version of my credit report for a monthly fee that I am forced to pay to obtain my credit report without having to mail in a hard copy request and wait weeks for the report.