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

Delete this account for inaccuracy, because the date the account XXXX was opened for XXXXXXXX XXXX XXXX is reporting XXXX different inaccurate dates, XX/XX/2018 and XX/XX/2018. 


15 U.S. Code 1681e - Compliance procedures ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

( B ) Requirements relating to reinsertion of previously deleted material ( i ) Certification of accuracy of information If any information is deleted from a consumers file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate.

( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency.

Reporting this misinformation is attacking my character as a natural person and is in direct violation of my rights as a consumer stated in : FCRA 15 USC section 602, 15 USC 6801, 15 USC 1681 section 604 a section 2, 15 USC 6802 ( b ) ( c ), 15 USC 1681C ( a ) ( 5 ), 15 U.S. Code 1681s- 2, 15 U.S. Code 1681 e, and 12 CFR 1016.7
Product: Credit reporting, credit repair services, or other personal consumer reports

Unfair and Illegal Reporting of Payments History to Credit Bureau Agencies. XXXX Mortgage Payment reported 55 days delinquent. XX/XX/XXXX XXXX of XXXX. XX/XX/XXXX XXXX of {$1300.00}. XX/XX/XXXX XXXX of {$1400.00}. Payments and Partial Payments made within the past 180 days.
Product: Credit card

I filed a dispute with Capital One about a purchase I made at Saks Fifth avenue store. I sent the letter certified mail on XX/XX/XXXX and per Capital One rules they are supposed to sent a letter back within 30 days to acknowledge the receipt of my letter. Capital One failed to do so. At this point since they failed to follow the Credit Card Accountability Responsibility and Disclosure Act of XX/XX/XXXX or Credit CARD Act of XX/XX/XXXX they have to remove the disputed charge of {$770.00} from my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX : XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

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: Student loan

In XXXX, I co-signed for a student loan for my son through XXXX XXXX XXXX XXXX, and began to make monthly payments on the loan. I also acquired loans for the years XXXX and XXXX from XXXX XXXX XXXX XXXX with the same terms that repayment would commence within 60 days. Each loan had a 177 payments maturity terms. The Sallie Mae Corporation acquired the loan portfolio from XXXX XXXX XXXX XXXX some time after XXXX, and I began to send the monthly payments to Sallie Mae instead of XXXX XXXX XXXX XXXX. I continued to send the payments to Sallie Mae ( now Navient ) through XXXX. My son graduated from college in XXXX. At that time, ha assumed the loan payments, but was sporadic in making the payments. Because I was a co-signer, this was affecting my credit, so in XXXX, I decided to resume payment of the loans myself. In XXXX, while applying for a home loan, I discovered that apparently, Sallie Mae had given me " zero '' credit for my payments to XXXX XXXX XXXX XXXX. This was determined by the balances stated on Residential Loan application, when comparing the remaining months of the loans and the loan balances. I have attempted to reconcile this situation with Navient for years with no success.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/23 I reached out total ( 3 ) Bureaus advising I am a victim of identity theft and to remove the accounts as they were obtained or opened without my consent. I also sent my verifiable documents and police report. I have yet to hear anything back and its over 30 days.
Product: Vehicle loan or lease

In 2014, we were told by Wells Fargo that we needed to purchase GAP insurance to cover the total loss of the amount financed to us.
Product: Bank account or service

I had both personal and business bank accounts with Fifth Third Bank XX/XX/XXXX and XX/XX/XXXX. The accounts were closed XXXX XXXX. In XXXX XXXX I began receiving phone calls to my business phone from XXXX XXXX threatening a law suit if I did not settle a past due balance with Fifth Third Bank in the amount of {$360.00}. This was the first notice I had received of the balance. Fifth Third Bank in 5 years had never tried to contact me concerning the supposed open balance. XXXX also called my wifes business phone threatening her with a law suit. At no time in the phone calls did they ever prompt me that " this was an effort to collect a debt ''. I would like to file complaints against both Fifth Third Bank and XXXX regarding this failure to comply with the Consumer Fair Credit Act.
Product: Student loan

I applied for XXXX XXXX to help fund my daughter 's education. I applied with Sallie Mae and they sent me denial letter stating I was denied due to student loan delinquency of 90 days or greater. I reviewed my credit report with XXXX and did not find any student loans delinquent.
Product: Debt collection

Today, XX/XX/XXXX, we contacted Wakefield & Associates XXXX XXXX XXXX XXXX XXXX, TN XXXX ) by phone ( ( XXXX ) XXXX ) to discuss an item that had appeared on my ( XXXX XXXX XXXX XXXX credit report. It was a bill for ambulance service and ER visit that had happened on XX/XX/XXXX. At the time of service, we had submitted my ( XXXX XXXX XXXX XXXX insurance XXXX both XXXX and XXXX XXXX, which all parties XXXX both hospital and ambulance service ) failed to file. After repeat attempts to get them to file insurance as they sent us bills, we eventually stopped receiving bills and had assumed that they had finally filed insurance for payment. 

Fast forward to today, when in contact with the collection company XXXX Wakefield & Associates XXXX, on a recorded line, the gentleman told us that the insurance had been filed and denied, making the debt ours. We told him we disputed the claim and would contact the insurance company and find out the reason for the denial. We called XXXX XXXX XXXX XXXX XXXX and XXXX is through them XXXX and we had them contact the collection company as the insurance company said they would be glad to pay it. While on the phone with the insurance company, the collection agency admits the bill has NEVER been filed with insurance. They falsely represented us as the owners of the debt by directly lying about the state of the debt and its status with the insurance. Insurance is currently working through it but I still wanted to file a complaint because if someone who was not as persistent as me was in this same situation, these tactics could very well bankrupt someone else. Please look into it. The most it will cost me is a few headaches on my credit report but it could cost someone else a whole lot more.
Product: Debt collection

Whom It May Concern : I am writing to complain about a collection account that appears on my credit report. The account is for {$1100.00}, original creditor XXXX XXXX. 

I have never conducted any business with Stafford Group and Associates, nor have I signed any contract with them. I believe that they are illegally using my information without my consent. 

I first became aware of this collection account when I recently checked my credit report. I have never received any bills or correspondence from Stafford Group and Associates, and I have never made any payments to them. 

I have done some research and I believe that it is illegal for a debt collector to report a debt to a credit reporting agency if the debtor has not been given proper notice of the debt. The Fair Debt Collection Practices Act ( FDCPA ) requires debt collectors to send a debt validation letter to the debtor within five days of first contacting them. This letter must include the name of the creditor, the amount of the debt, and the date the debt was first incurred. 

I have not received any debt validation letters from Stafford Group and Associates. Therefore, I believe that they are illegally reporting this debt to my credit report. 

I demand that you immediately remove this collection account from my credit report. I also demand that you send me a debt validation letter. If you do not comply with my demands, I will be forced to take further action, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ). 

Thank you for your time and attention to this matter. 

Sincerely, XXXX XXXX XXXX
Product: Mortgage

My husband and I refinanced our mortgage in XX/XX/XXXX and paid an extra {$15000.00} to remove PMI from our payment. Everything was great until I received notice in XX/XX/XXXX that our payment was increasing by $ XXXX due to a depletion of our escrow account. My husband is a XXXX XXXX processor, so he is very familiar with the process. Upon investigation, he realized that PMI had been added to our account and funds had been deducted from our escrow account since XX/XX/XXXX. In all, over {$2100.00} was mistakenly removed from our escrow account. We called NewRez and they agreed that it was an error and removed PMI as of XX/XX/XXXX. We also received a letter in the mail on XX/XX/XXXX indicating that the PMI provider XXXX is processing a refund. However, after waiting for XXXX months, multiple phone calls ( including speaking with various managers because there are no direct extensions ) and a few separate escrow analyses, we have yet to receive a refund. The only message we've received is to wait longer. We have wasted nearly XXXX hours on the phone, writing letters, and making calculations, and are currently being required to pay nearly $ XXXX ( initially {$400.00} ) extra for the escrow shortage. We would much rather resolve this issue with the company than submit a complaint, but it seems like this is our only option at this point.
Product: Credit card

I have a credit card with Upgrade. In XXXX my balance was {$6800.00}. My payment on this card is {$390.00}, which I have made every month & some months more. To date my payment is still the same & my balance is now {$4000.00}. interest rate 19.80 %. I am not using the card. I've called the company twice as I don't understand why payment has not gone down. The customer representative at Upgrade told me this is not a regular card and eventually it will go down. I can not continue to afford {$400.00} payments.
Product: Mortgage

Allied Servicing Corporation serviced a mortgage loan for my lending company, XXXX XXXX. This loan was paid off by my borrower with payoff funds received by Allied on XXXX XXXX. I requested by email the forwarding of the payoff funds and original loan documents from Allied on XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX ; and by phone calls on XXXX XXXX and XXXX XXXX ; and by formal letter XXXX XXXX. I received no responses from Allied. After being forced to retain a lawyer and threaten a lawsuit, Allied finally forwarded the payoff funds on XXXX XXXX. However, despite my last email request on XXXX XXXX, I have yet to receive the return of the original mortgage loan documents required to close out this mortgage loan. 

Your assistance is appreciated.
Product: Money transfer, virtual currency, or money service

I was trying to rent a house that I found on both XXXX and XXXX and the person who scammed me got his lawyer involved and sent over an official document for the lease and requesting XXXX XXXX in down payments. The first {$1000.00} was for first months rent and the second XXXX XXXX was for the security deposit. I sent the money through XXXX to two different people one was his accountant and the second was his lawyer. I contacted my bank and the police and nothing has come of it. My bank said that they would not give me any sort of money because I initiated the payment.
Product: Mortgage

I am emailing you in regards to our mortgage, it has been bought out several times, the current company is called Ditech. We originally purchased our home XX/XX/XXXX, with a 30 YEAR FIXED RATE.. I recently got on Ditechs online customer website. Our mortgage maturity date is listed as the year XXXX!! I have called the company several times and have either not got a returned phone call or " well this is how it is figured ''. Anyone can look an see that there is no possible way this is correct! We have lived here for almost 14 years, the maturity date should be XX/XX/XXXX. Somehow 17 years has been added to the loan and I can not get no one to look into the matter or a reasonable explanation. Yes, we had XXXX modification BUT they dropped the interest rate from 6.25 to 4 percent ... I also, want copies of all documents in my mortgage file, am I legally allowed access to this? If nothing is done this will have us paying over XXXX $ for a XXXX $ home. Any help would be greatly appreciated!
Product: Student loan

Nelnet has 2 separate loan accounts listed on all three of my credit reports. There is one loan and one loan amount only for the amount of {$12000.00}. I was late on XXXX and XX/XX/XXXX. Being that Nelnet has listed 2 separate loans, via my credit reports, it states I have been late 4 times ; this is incorrect.
Product: Vehicle loan or lease

My father took out a loan from Fifth Third Bank in XXXX, XXXX for the purchase of a XXXX XXXX XXXX in XXXX, Florida. {$13000.00} was financed. All payments had been made on time up through and including payment due XX/XX/XXXX. My father passed away on XX/XX/XXXX. I was unaware that my father had taken out a loan to purchase this vehicle. On Friday, XX/XX/XXXX, the car was repossessed. Firth Third claims to have called the only number on file with the loan which was my fathers cell phone. This phone had not been used since my fathers death. At no point were we contacted by mail or any other means that the loan was delinquent. At the time of the repossession, the loan was 60 days past due. My elderly mother was then left with no vehicle and no understanding of what happened. 

We learned that the vehicle was repossessed from the XXXX Police department after my mother reported the vehicle stolen. In order to recover the vehicle from repossession, we were forced to pay off the entire loan balance plus the repossession expense. This totaled {$10000.00} which included {$450.00} toward repossession expense. 

We feel we were treated extremely harshly considering my father 's impeccable payment history prior his death.
Product: Money transfer, virtual currency, or money service

On XX/XX/year> @ XXXXXXXX XXXX XXXX XXXX XXXXXXXX ), I received a call from XXXX # XXXX from Bank of America. XXXX works in the fraud department and asked me about a check and wanted to know if I wrote it. I said no and said he would stop payment on this and he transferred me to another fraud specialist named XXXX # XXXX. She asked me for my social security number and I gave it to her and realized that was not a good idea and I told her I would call her back to get information and she HUNG up on me. I immediately called the bank back to inform the bank I had scammers calling me pretending to be the bank because the number XXXX called from was XXXX XXXX number and not the bank. The bank made me feel better because XXXX and XXXX do work for the bank. And the representative of the bank said that I did approve the check. She changed the check to fraud. I told the bank to listen to the recordings so the bank could listen to me saying no. The bank said the check was not cashed and I would get my money back in two days. I went into my account and looked at the check and it was cashed # XXXX {$4500.00} to a XXXX XXXX XXXX. I reached out to the XXXX XXXX where the check was cashed XXXX XXXX XXXX. I spoke to the CEO and he said the check was approved by the BOA and he was concerned as to why BOA never contacted him about this matter. I spent 3 days working on this ... one BOA employee said that XXXX is a really nice guy and would never do this on purpose and that they will be retraining him. If you would like to see the check that XXXX approved let me know. I am so glad that I called the bank back after talking to XXXX after she hung up on me. If I had not called back, XXXX would have changed the check as fraud after XXXX approved it without my consent. And I never would have known. I filled out a report to the Federal Trade Commission. I went to the Police Department and they said, we are short staffed, filing reports takes a long time and as always people filing the reports never get justice. I am not able to get the recordings or my notes entered from BOA. I believe that I found a fraud glitch in the BOA system. I asked BOA why XXXX called me from a State of California XXXX # and they said BOA uses their number. I believe I have my money back. I am not closing my account because if I do I won't be able to contact them about this situation if I have more questions.
Product: Mortgage

XXXX and USAA have continually raised my escrow payment to compensate for their misdeeds. In approximately one year of having this VA loan there have been three escrow analysis and two payment increases. This is highly unusual and unheard of. 

The first increase, which has already been reported to CFBP, was due to USAA and XXXX targeting and discriminating against this Veteran. They willfully misappropriated my escrow account funds, charged me twice for a hazard payment depleting my escrow account and refused to refund the money they forced me to pay in unsupported fees and escrow " shortages ''. 

I went to pay my mortgage in XX/XX/XXXX only to find XXXX again raised my mortgage payment after performing a third escrow analysis or the second in less than a month. 

Both USAA and XXXX have refused to provide a single point of contact within their company to address this matter and insist that I make numerous calls to talk to XXXX and then USAA even though XXXX is the servicer for USAA. 

I am continually pushed to various agents within XXXX, left messages with no contact names or numbers, calls never returned, charged unsupported fees and forced to spend months pushing them to address these matters. All the while XXXX collects " shortages and unsupported fees '' they refuse to return.This is targeted harassment and discrimination. 

XXXX has refuse to fix their own system and have cause significant amount of distress and suffering. XXXX points to USAA and USAA points to XXXX to fix the fraudulent increases while neither do a thing and charge $ XXXX in unsupported fees and $ XXXX in escrow " shortages '' that both USAA and XXXX admit they created through deceptive acts of double charging and using escrow money for purposes not contractually intended while pocketing the unused portions. 

Simply put USAA and XXXX have continually used misused escrow funds at the expense and peril of the owner.
Product: Debt collection

AIH Recievables has been calling my father 's office phone, his company phone and his cellphone repeatedly. They are only allowed to call once, and they continue to call several times a week. I don't know if they ever sent a written notice of any debt, because I am not sure what debt this could be in reference to. 

This is incredibly hard on my father and his company. It is a smaller, start-up type company and they really don't have time to deal with constant, harassing calls. 

I believe they have violated the FDCPA, due to : the harassing nature of the calls ( over 10 calls made to his office ), the fact that they have repeatedly tried to contact a third party, and because I NEVER provided any number related to my father on my medical accounts. 

Please let me know how I can move forward in submitting these violations, as this has been very annoying for my father, and myself.
Product: Credit reporting, credit repair services, or other personal consumer reports

Agency did not provide me the consumer the following information. 

The Following information is required. Please fill out the form below in its entirety. 
1. Name and address of Alleged creditor : 2. Name on file of alleged debtor : 3. Alleged Account # : 4. Address on file for alleged debtor : 5. Amount of alleged debt : 6. Date this alleged became payable : 7. Date of original charge off or delinquency : 8. Was this debt assigned to a debt collector or purchased? ____ No ____Yes 9. Amount Paid if debt was purchased : 10. Commission for debt if collection efforts are successful :
Product: Mortgage

Santander went against their own policy in requiring that I obtain and pay for a home appraisal to remove PMI from my loan. Furthemore, they delayed the process for over a year causing me to have to pay for PMI during that time. In addition they refused to take my complaints and I was hung up on countless times by various people during this time. In the month of XXXX ( 2017 ) alone I had to place more than 50 calls just to get this service request fulfilled despite it being in our contract that they were obligated to do so. Despite numerous requests they could not produce any part of our contract which required that I pay for a home appraisal. I ultimately paid for the home appraisal just to have the PMI removed but only because they forced me to do so as it was not a contractual obligation and they would not otherwise. I last heard from Santander in early XX/XX/XXXX stating that they would refuse any further correspondence with me, including my requests for the contact information of their supervisors so that I may file a formal complaint. All of my calls and emails in the past month requesting that they process my complaints have been ignored.