23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Dear Sir/Madam, I am writing to lodge a formal complaint against Round Point Mortgage concerning the mishandling of my escrow account associated with loan number XXXX. This issue has caused significant financial inconvenience and distress due to the company 's repeated failures to address and rectify the problem. 

In XXXX, I observed an unanticipated increase of {$600.00} in my monthly mortgage bill, attributed to changes in my escrow account. On contacting Round Point Mortgage 's escrow helpline, I was informed that the increase was due to the inclusion of insurance payments in my escrow, despite my consistent practice of paying insurance separately throughout the year. 

Upon raising this issue with a representative in XXXX, I was promised an investigation. In XXXX, following an unexpected payment of my annual insurance premium ( {$650.00} ) from my escrow, I received and forwarded a refund of {$210.00} from my insurance company to Round Point Mortgage, as instructed. This refund was acknowledged in my escrow account on XX/XX/XXXX. 

However, to my dismay, the issue persisted. The increased escrow charge continued to be reflected in my XXXX payment. Despite multiple assurances from customer service representatives, including a XXXX XXXX, that the issue would be resolved by specific dates, the overcharge remains uncorrected as of XX/XX/XXXX. 

This prolonged and unresolved discrepancy has not only caused me undue financial strain but also raises serious concerns about the company 's escrow management practices. It is alarming that over XXXX months have passed without a satisfactory resolution, despite my adherence to the company 's instructions and repeated follow-ups. 

I respectfully request an immediate and thorough investigation into this matter by the Consumer Financial Protection Bureau. It is imperative that Round Point Mortgage is held accountable for their mismanagement and that appropriate corrective actions are taken to rectify the overcharges and prevent similar incidents in the future. 

I look forward to your prompt attention to this matter and am available for any further information or clarification needed in this regard. 

Thank you for your assistance.
Product: Mortgage

I applied for a refinance of my existing mortgage with XXXX Bank on XX/XX/2019 and was denied on XX/XX/2019 after being told repeatedly we were near closing as early as XXXX. 

I had a closing date scheduled for XX/XX/2019 that was canceled due to problems on the lender side, that should have been resolved prior to scheduling closing. 

The lender will explain that there were liens on the property that delayed closing, but all liens were in the form of forgivable - conditional grants originated from and held by the lender. 

I even had to put in a call and resolve one of the liens because of incompetence on the part of the lender. I was able to complete this on the same day. The email and letter documentation are attached. 

From the outset of this process I have been disregarded as a person and instead treated as just another file. As an existing customer, I expected courtesy, decency and communication. 

It is not lost on me that after it was decided my loan would be denied the swiftness the lender was able to send out that paper work. 

Because of the unnecessarily long process and delay I had to make financial decisions that made the most sense for me in the moment. Ultimately, this process has destroyed my credit and ability to now refinance with a different lender.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has refused to delete and address that I do not live at from my file. XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX
Product: Student loan

Today is XX/XX/XXXX. I have a payment due tomorrow, XX/XX/XXXX, which is a XXXX. 
I am attempting to pay right now, but " FedLoan Servicing, '' some kind of Dept of Education contractor I think, will not allow me to make a payment on the weekend. This is absurd. The payment is being made online, so they should allow it, but they do n't allow users to select a date that is a weekend. 
How can they make the due date fall on a weekend, but then not allow someone to make a payment on the day that it is due? I am probably going to get hit with fees, etc, because the website literally wo n't let me make a payment. It 's a website. This is 2016. They made the payment due on a weekend, so they should accept payments on the weekend. 

Additional Details : The website requires that select a date that the payment will go through on. But all the dates that happen to fall on a weekend are " grayed '' out. You ca n't select them. They also do n't allow payments to made with debit cards.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX Account # XXXX ( XXXX XXXX ), has violated my rights. 

1

5 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 an account without my written permissions and instructions.
Product: Credit reporting or other personal consumer reports

I am a victim of the Equifax data Breech and noticed some fraudulent activity on my credit report that I did not authorize. Please remove immediately make personal to you
Product: Credit reporting or other personal consumer reports

Urgent Request for Removal of Incorrect Information from My Credit Report Dear XXXX XXXX I am writing to express my extreme concern regarding the serious inaccuracies I have found in my credit report issued by TransUnion. Under the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 et seq. ), I have the legal right to ensure that my credit report is completely accurate. The presence of incorrect information in my report constitutes a direct violation of the FCRA and must be corrected immediately to avoid legal consequences. 

I have identified several inconsistencies regarding the account reported by : XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX  ) with account number XXXX : XXXX. XXXX Account : ** This account appears twice in my report with different opening dates ( XX/XX/year> and XX/XX/year> ). This error is unacceptable and violates Section 611 of the FCRA ( 15 U.S.C. 1681i ), which mandates that any information that can not be verified must be removed immediately. 

XXXX. **Balance and High Credit : ** Both instances of this account show a balance of {$7600.00}, which is incorrect. Under the Dodd-Frank Wall Street Reform and Consumer Protection Act ( Pub.L. 111203, H.R. 4173 ), credit reporting agencies are obligated to handle consumer information accurately and fairly. Failure to do so could result in severe penalties. 

XXXX. **Contradictory Comments : ** XXXX record states the account was " Placed for collection, '' while the other claims " Subject has not satisfied debt. '' These statements are contradictory and must be rectified immediately according to Section 623 of the FCRA ( 15 U.S.C. 1681s-2 ), which governs the accuracy of information provided by creditors. 

XXXX. **Dates of Last Report and Activity : ** The last reported dates ( XX/XX/year> and XX/XX/year> ) and the dates of last activity do not match between the records, suggesting that XXXX or both are incorrect. This discrepancy is another violation of the FCRA and must be corrected immediately. 

To support my dispute, I have included the following documentation : - A photograph of the report showing the errors. 
- A copy of my government-issued identification. 
- A copy of my Social Security card. 

The Dodd-Frank Act and the FCRA are clear regarding the obligations of credit reporting agencies to ensure the accuracy of the information. Any violation of these laws is not only illegal but also unacceptable and can result in significant legal penalties and civil liabilities. 

**I demand the immediate removal of the duplicate entries and the correction of all incorrect information in my credit report. ** If swift and effective action is not taken, I will be forced to consider all available legal options to protect my rights. 

I expect an immediate resolution and an updated copy of my credit report once the necessary corrections have been made. Should you require further information or additional documentation, please contact me immediately using the information provided above. 

Thank you for your urgent attention to this critical matter. 

Sincerely,
Product: Checking or savings account

Huntington Bank forced me to put a fraud product on my acct or close it due to someone trying to use one of my company checks fraudulently. Huntington bank made a mistake entering the acct information which resulted in my company payroll not going through two months straight. This resulted in wire fees and NSF fees which never should have happened. I asked them to take the product off and they said they did. Two weeks ago, I had to write manual checks for payroll. My employees went to cash the checks and other banks would not honor them. I went to Huntington to find out why and it turns out that they never fully took the fraud product off and the teller blocks remained. I worked with them to get it removed and it still is not done. Some of my employees still have not been paid two weeks later. The money is in my account but I am unable to access my own money due to the blocks, and I can not get money to my employees. I have had to XXXX money out of my personal funds to make sure my employees have money. They need to get this resolved. It is affecting my small business negatively.
Product: Debt collection

Call RESURGENT collections today spoke with XXXX XXXX XXXX,, '' DONT KNOW IF THATS HER ACTUAL NAME, ASKED HER TO SEND ME VERIFICATION OF DEBT, PAYMENT HISTORY, FIRST DATE OF DELINQUENCY, DATE OF OPENED, AND KINDLY ASKED HER AND GAVE HER MY EMAIL ADDRESS, AND SHE REFUSE MY VERIFICATION OF DEBT, TOLD HER TO SEND THE ADDRESS SHE HAS ON FILE SHE COULDNT VERIFY INFORMATION SHE CLAIMS I OWE, NEVER DID BUSINESS WITH THIS COMPANY DONT RECONIZE DEBT SHE COULDNT AND WOULDN'T PROVIDE THAT INFORMATION AND SHE REFUSED AND WAS VERY UNPROFESSIONAL ATTITUDE ON PHONE
Product: Checking or savings account

I had a negative balance of more than {$200.00} on my checking account. I tried to explain to Citibank that I was unemployed and that I could not pay off the balance. There was no solution in place
Product: Debt collection

Account stating collection with account status of derogatory with date open on XX/XX/XXXX by XXXX XXXX and XX/XX/XXXX by experian both are stating a balance of {$440.00} is reporting incorrect. I have tried contacting the bureaus and the creditor to get the situation straightened out and results to the investigation continue to come back and correct. Date last active has been reported by XXXX XXXX as XX/XX/XXXX with experian while experian reports as XX/XX/XXXX. XXXX XXXX is recording a comment on credit report saying account information disputed by consumer meets FCRA requirements. I strongly disagree as there is no possible way that account can be both on collection while derogatory at the same time and having date last active in accurate. There is no way that both bureaus can be right if information is coming from the same furniture data account is being re-aged pushing back the date it should fall off. 
Second account just different account number with XXXX month difference on date open and slightly different balance reporting incorrectly. 

Account is stating collection with derogatory And date open nest XX/XX/XXXX by XXXX XXXX while XXXX report date open as XX/XX/XXXX both with a balance of {$360.00} is reporting incorrectly. Recording day less active as of XX/XX/XXXX to buy XXXX XXXX and XX/XX/XXXX by experian. XXXX XXXX is recording a comment saying account information disputed by consumer meets FCRA I strongly because theres no way that account can be collection interrogatory at the same time and recording an accurate date of last active and date account being open account is being reached pushing back the date it should fall off I do not recall having either of these two accounts especially being just a month apart and to be honest I believe this account is a duplicate Both accounts are reporting exactly the same information with the only difference of account balance and account number being different.
Product: Debt collection

A COMPLAINT was filed by me with CFPB in XX/XX/XXXX, concerning an identical entry on my XXXX credit report by STELLAR RECOVERY INC., their account number XXXX, ( " STELLAR '' ) using their address as XXXX XXXX XXXX XXXX, XXXX, FL XXXX and NOT STELLAR 's office at XXXX XXXX XXXX XXXX XXXX XXXX, MT XXXX ( XXXX ) XXXX. My COMPLAINT to XXXX stated in part : " Never contacted by Collector who is scavenging. XXXX agreed to reverse charges when I moved out of service area in XX/XX/XXXX and subject to [  my Plaintiff 's litigation ] XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, US District Court Oregon ( XX/XX/XXXX ). '' After being contacted very timely by CFPB, XXXX  deleted the collection item dated XX/XX/XXXX. I would appreciate the same from XXXX and for the same reasons.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under XXXX USC XXXX. The following accounts are not accurate : XXXX XXXX XXXX XXXX {$1000.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$730.00} XX/XX/XXXX XXXX XXXX XXXX {$680.00} XX/XX/XXXX NAMES NOT RECOGNIZED XXXX XXXX INQUIRIES NOT XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX TransUnion, XXXX - XX/XX/XXXX XXXX, XXXX XXXX XXXX Mortgage Reporters XX/XX/XXXX XXXX XXXX U.S.C, XXXXsection 602 A . States I have the right to privacy. XXXX U.S.C XXXX Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. XXXX U.S.C XXXX ( 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. XXXX U. S. C, XXXX ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

These inquires don't belong to me never applied for any of this credit. This is an attempt to fraud me. 

XXXX These lenders have accessed your credit file : XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XXXX XXXX, XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXXXXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXXXXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXXXXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX  XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/XXXX, XXXX XXXX XXXX responded to my complaint XXXX saying they would send a new gift card and also credit {$25.00} to 'your card '. I have not seen a replacement card or a credit to any of my cards.
Product: Payday loan, title loan, or personal loan

XX/XX/XXXX - I sent notification of dispute by mail to collection agency - Ad Astra Recovery Service regarding the debt being reported on my credit. I received documents by mail with a signature that does not belong to me. 
XX/XX/XXXX - I sent notification by mail to Ad Astra Recovery Service requesting to Cease and Desist in any and all attempts to collect the fraudulent debt and to remove the item from my credit report under provisions of Public Law 95-109, Section 805-C of The Fair Debt Collection Practices Act. 
XX/XX/XXXX - The item remains on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair Credit Reporting Act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written consent.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Product: Credit card or prepaid card

I opened my new American Express Platinum card on XX/XX/2021 with a special offer they had on their website through XXXX. The terms were : spend {$5000.00} or more within 6 months and receive XXXX bonus points, 20 % back on restaurant purchases within the first 12 months up to {$300.00} back, and earn 10 points per {$1.00} spent on all grocery and gas purchases. I have spent over {$10000.00} on the card, much more than the minimum of {$5000.00} required and have not received my XXXX welcome bonus on any recent statements. I have also spent over {$1000.00} on grocery and gas and have not received the 10 points per {$1.00} bonus, and I have spent over {$1000.00} on restaurant purchases and have not received any of the 20 % back credits listed in the offer.

I have reached out to American Express chat and technical support about a dozen times and have not received any of the 3 bonus terms mentioned. They all say we're working on it, we're sorry for the inconvenience, and that they're experiencing technical problems. Meanwhile, they refuse to offer me my XXXX welcome bonus, my 20 % statement credits, or my 10 bonus points per {$1.00} spent.
Product: Credit reporting or other personal consumer reports

The duty pursuant to the FCRA, it EXPERIANs to be reporting correct and accurate information on my credit report and file, however they are NOT. EXPERIAN is reporting 1 inaccurate late payment for the XXXX XXXX XXXX Bank account ending in XXXX. This includes a 30 day late payment posted in XX/XX/XXXX. This is incorrect and is supposed to be reported as PAID AS AGREED. Furthermore, pursuant to 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( i ), a consumer report does NOT contain information solely as to transactions or experiences between the consumer and the person making the report. A late payment constitutes a transaction. With that said, the reporting of this inaccurate late payment has resulted in EXPERIAN violating my federally protected consumer rights. To add to this, I did NOT give EXPERIAN written instruction/permission to furnish this inaccurate late payment on my consumer report and file, violating 15 U.S.C. 1681b ( a ) ( 2 ). It is clear that EXPERIAN has violated my federally protected consumer rights under the FCRA and the inaccurate reporting is causing me and my reputation severe harm and discrimination and possibly homelessness very soon. I have tried to remedy this situation by responding to EXPERIAN via written letters to remove this inaccurate reporting of late payments on XXXX XX/XX/XXXX and XXXX XX/XX/XXXX, however they have continued to ignore my requests. It is because of this inaccuracy that is causing my wife and myself to not be able to find a mortgage lender in order to secure safe housing for us. I fear that if these inaccurate late payments arent removed soon, that we will be homeless.
Product: Debt collection

After examining my credit report, I observed inaccuracies in the listed accounts.-
Product: Credit reporting or other personal consumer reports

I have collection accounts on my credit report and late payments that do not belong to me. I want the accounts removed from my credit report. Here is my FTC report as well. 


Equifax credit 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 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 Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax 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 Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax
Product: Credit card

I gave them an application for credit and they took my information and did not return the credits or give me collateral. 

15 U.S. Code 1691 ( a ) - It shall be unlawful for any creditor to discriminate against any applicant, with respect to any aspect of a credit transaction This is also securities fraud because they are trading my note on the secondary market.

According to 12 USC 412 Application for notes ; collateral required Such application shall be accompanied with a tender to the local Federal Reserve agent of collateral in amount equal to the sum of the Federal Reserve notes thus applied for and issued pursuant to such application.
Product: Mortgage

Ocwen sent my home into foreclosure in XXXX XXXX. Long story short, I paid it in full at the end of XXXX XXXX in the amount of {$22000.00} via wire. The amount needed to cure my mortgage was {$22000.00}. After that, I had no late payments and was not notified of any fees. When I pulled up my XXXX XXXX statement there was {$200.00} in " Past due fees/ other charges. '' I called Ocwen in XX/XX/XXXX and they did not know why the fee was on there since I paid XXXX the cure amount and had no late payments after that. They said they were sending it to their research department and would email me with the result in 10 days. I called today ( XXXX/XXXX/XXXX ) and spoke to operator # XXXX. He told me that Ocwen emailed me on XXXX/XXXX/XXXX with an explanation of the fees but I can assure you I received no such email. I 've been monitoring my email very closely for that letter because I 'm in the process of selling the house and moving into a new XXXX - I needed the letter to explain why there were fees and when they would be removed. During the foreclosure process ( which was sketchy at best ) Ocwen assessed me with XXXX " Property Inspection Fees '' totaling {$270.00}, all dated XXXX/XXXX/XXXX. They never came to the house and XXXX fees is very questionable. I 've attached that history so you can see all the fees/ charges we were assessed. I 'll also attach the XXXX XXXX statement where I noticed the {$200.00} that Ocwen is claiming was for processing after I had XXXX cured the mortgage. I do n't receive letters they claim to have sent, I can never get an answer when I call them, they wo n't remove fees that they never told me about and make no sense, and trying to understand anything with them is impossible. I am hoping you can help me by reviewing the fees I was assessed and by forcing Ocwen to return any unfairly assessed fees to me. In addition, I filed for a loan modification XX/XX/XXXX with them ( I may be wrong on the month ). They never wrote me or advised me of their decision. When I called they said it could take up to 6 months. I never received a decision or a loan modification. I 'm at my wits end with them and I truly do n't know how they are able to legally operate a business in this country. I would truly appreciate any assistance you can give me because trying to work with Ocwen themselves is impossible. Thank you in advance - I am glad you 're there to protect consumers.