23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

During the 2nd week of XX/XX/XXXX, I received my annual Escrow Account Disclosure Statement. Since this is the first year with Loancare as my mortgage servicer, this is the first time they have provided me this letter.

On the Annual Escrow Account Disclosure Statement, it was noted that I had an escrow surplus of {$150.00}. In other words, I had paid more into escrow than was necessary. As such, Loancare issued me a check for {$150.00}.

Also on the Annual Escrow Account Disclosure Statement, my semiannual property ( county ) tax disbursements were listed. I own two parcels. For one of the parcels, the semiannual property tax disbursement transferred identically from XX/XX/XXXX to XX/XX/XXXX, which is accurate. For the second parcel, a rear, half acre parcel on which there is no structure, no improvement, no change, Loancare noted that my semiannual tax disbursement would increase from {$67.00} to {$1300.00}. This equates to a difference of {$2600.00} for the year! As a result, my monthly escrow payment increased from {$590.00} to {$770.00}. This is almost {$200.00} more per month.

When I noticed this issue in early XX/XX/XXXX, I began calling Loancare. At the time, they said that this issue would be fixed by XX/XX/XXXX. It is now XX/XX/XXXX and I have had to make two mortgage payments that are almost {$200.00} more per month than I had planned. I did not budget for this.

To date, I have called Loancare 7 times. I have sent them 3 emails via their customer service contact email address. I have received no response to any of the emails - either by phone, email, or mail. During those calls and within those emails, I have discussed the Annual Escrow Account Disclosure Statement, I have provided a link to my county auditor 's page for the parcel in question, I have provided the phone number to my county auditor, and I have explained the situation clearly and thoroughly. I don't know what more I could do - I've basically done their job for them, and yet they have taken no action on their end.

Today, I was told that this process may take another month or more. Simply put, I don't have the money to continue to make monthly payments that are {$200.00} more than they are supposed to be.

I don't know if Loancare is simply negligent ( i.e., they don't care about their customers at all ) or fraudulent ( they hike escrow payments in the hopes that borrowers default on their mortgages ), but something is amiss. This is the 6th property I've owned, and I have NEVER experienced a single issue with a mortgage servicer until now.

Please investigate Loancare. If I - as an educated and experienced borrower - have been treated this way, if by doing my due diligence there has still been nothing done on their end, I shudder to think about what they're doing to others.
Product: Debt collection

CREDIT COLL has been reporting a collection on my account in the amount of {$490.00} The collection has been reported as a past due balance. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature. I hope your day is going well, but I need your help. I noticed the following issues with this account on my credit report. I did not authorize nor know anything bout this account listed. These are fraudalent accounts. i know my rights. this is stopping my life please remove them immediatley .You have 30 days. FCRA 605B ( 15 U.S.C. 1681c-2 ) FCRA 615 ( f )
Product: Vehicle loan or lease

There charging me late fees always had a 10 day grace period there charging {$9.00} late fees then reverse them now {$120.00} late fees I'm already paying there ridiculous interest rates. There customer service is the worst.
Product: Checking or savings account

When logging in you are unable to see any accounts. Instead you are greeted with " I'm not able to show your accounts right now. Try again later or call us for help. '' This has been happening for at least XXXX business days, XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, which is today. There has been no notice or explanation from Ally Bank regarding this issue.
Product: Credit reporting 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and list of Inquiries. 

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: Checking or savings account

Hi, I opened a checking account with Capital One a few months ago. I have transferred money in. Now they wont let me make withdrawals form the account. They need me to verify my government id. But the online system keeps rejecting my id. There are no branches near where I live.I keep calling, waiting on hold for rep for 30 minutes, and keep trying online to get new link and get the same failure. This is unacceptable..
Product: Credit reporting, credit repair services, or other personal consumer reports

The XXXX XXXX XXXXXXXX XXXX XXXX is a medical imaging office that workman 's compensation scheduled for me. My XXXXXXXX XXXX workman 's compensation adjuster scheduled the imaging and I was only told to bring my ID which they took at the appointment and said everything was taking care of by my adjuster. It is also under {$500.00} so it shouldn't be on my credit either way due to President Bidens executive order signed on XX/XX/XXXX, H.R.773 Medical Debt Relief Act of 2021. It is {$390.00} but is effecting my credit by XXXX points.The XXXX XXXX just took my NJ ID and said everything was covered. Remex INC took over and last reported XX/XX/XXXX. This is destroying my credit and it needs to be taking off my credit score immediately due to the information I states above. Thank you for your time and I will make sure Remex INC takes this off my credit or will sue them due to being a medical bill under XXXX XXXX that destroyed my credit costing me not being able to get a credit card, loan, mortgage, or car financing.
Product: Credit reporting, credit repair services, or other personal consumer reports

For the past 4 months I have been having issues with Transunion getting my credit score. Everytime I called, the agent would pull up my sister 's credit file and confirm is mine just because we share similar name and share the same mailing address. However what they have on record is my sister 's credit file and not mine, and they somehow updated her information with my name. When I asked the agent to reconfirm my name, social security, and date of birth is when they realize is not my credit file is my sister 's due to difference in social security number. Both XXXX  and XXXX  were able to update my personal information and my credit score with them would be provided to me. I have been calling Transunion about this issue, and it ends up Transunion does not have a credit file under my name/Social security number/date of birth. The only way they would create a credit file for me is if I send them a copy of my social security card, birth certificate, and driver 's license, and also a letter stating the issue and how I would like to resolve this. I mailed the letter and the personal information to Transunion four times, with first time no tracking number, second and third time with just tracking number and the fourth time I included signature request and tracking number. However, the agents there claim they never receive any of my letters or packet but I confirmed with USPS who is my mail carrier, and USPS confirmed my letters were delivered. So far, this has been a back and forth waiting game with Transunion, and its holding me back from qualifying for a mortgage loan. 

Below is list of dates I mailed out the letter, my driver 's license, social security card, and birth certificate : XX/XX/XXXX : no tracking number included XX/XX/XXXX : Delivered status shown in Product Tracking attachment provided by UPSP XX/XX/XXXX : Delivered status shown in Product Tracking attachment provided by UPSP XX/XX/XXXX - USPS Tracking Number : XXXX Below is my file numbers with Transunion in regarding this issue : 1 ) XXXX 2 ) XXXX
Product: Debt collection

This company, which I hold no contract with nor have received services from, reported a collection account against my SSN in the amount of {$2200.00} with XXXX, XXXX, and XXXX credit reporting agencies. I requested verification/validation of the debt and account however the business failed to provide adequate proof. Considering that the business does not have a contract with me for goods or services they have provided nor have they provided adequate proof that I am obligated to pay for the alleged debt.
Product: Credit reporting or other personal consumer reports

My account with EQUIFAX XXXX XXXX was never late! I have had exceptional payment history 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 to be updated. 


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 XXXX  days before the payment due date. 


EQUIFAX XXXX XXXX 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! 


Update the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

I h ad 3 auto loans with  XXXX  and was late one x for 20 days on one  xloan but chase is reporting 90 days late : They reported I was late 90 days but paid in full! First off, if you are late 60 days, let alone 90 days, they would repossess your car! I reported it to the  XXXX  major reporting credit institutes but they wont remove it! They claim they went to chase and concluded info is correct yet when i call chase, they cant find the account! I want it removed because its clearly a lie! everyone knows 90 days late, and you dont have a car!
Product: Credit card

Im writing this letter to apple card support to get this situation squared away once and for all I have three open disputes going with apple card support at this time one is for dispute number XXXX XXXX from XXXX another one for $ from Home Depot dispute number XXXX XXXX and another one from {$170.00} from XXXX dispute number XXXX XXXX XXXXXXXX I have been going round and round with apple card support to try to get these disputes resolved with no luck I keep talking to different people and getting different answers from every person that they bounced me to. XXXX keeps telling me that that I was refunded for the {$240.00} the XXXX and the XXXX when I look at all my statements going back to XXXX I was never given any kind of credit for those three transitions but yet apple card keeps telling me that the merchant gave me a credit and thats why they were moving the provisional credit that they gave me I have sent documentation showing that none of these tranzations was ever credited back to my account Ive gotten all my statements from XXXX all the way to the present its showing that nothing was ever credited at nowhere there doesnt it say credits for for {$240.00} one XXXX or $ now as far as this {$180.00} thats in question from Home Depot the issue was I placed an order back on XX/XX/XXXX form Home Depot they unfortunately Home Depot took the money out but then some of the items werent available they cancelled my order I had to go and I had to reorder the items and they double charged my card but they never refunded the {$180.00} Home Depot said that they canceled the order and they refunded it but they never did and I sent documentation over showing that .Ive uploaded since documents several times via e-mail and a couple of times on the apple card app itself to send this documentation over and havent heard anything back so Im I sending them in the mail. the complete statements that I have starting from XXXX of XXXX to the present unfortunately apple card chose to terminate my card on XX/XX/XXXX  so I have not been able to use this card at all to make any purchases and the following credits are not there they do not show up at apple  keeps saying the reason theyre denying my dispute is because I receive credit which I did not when I talked to somebody back on XX/XX/XXXX the person I spoke with then said that they were gon na have somebody give you a call back which nobody ever did because they said that I had won these disputes but they had never put the credit back on the account so I need to get this situation understand if theres a card plus balance then how do I get the money from apple since my account is closed regardless because I won one of the disputes of {$290.00} I did win that my apple card i re openrd up these dispuites a couple of days ago. You keep.asking for the same information i keep giving it to you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled a credit report and found out that there was a account on my credit from XXXX ( Account number XXXX ) .The was a collection place on my account that has no history of any kind other than a ( C ) on it which stands for collection. I was not notified of this by Experian or by XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX ). I request that the information by phone directly with an agent. I also sent in letter to Experian. I also sent allied a letter. The item remains on my account
Product: Credit card or prepaid card

I have called PayPal Extra Mastercard and the issuing bank for PayPal, synchrony bank and have not got any help until I tried settling for removal off my credit report and was not honored part of my agreement to settle the account even if it wasnt authorized by me to begin with.
Product: Debt collection

I have been receiving daily harassing phone calls from " XXXX XXXX '' and " XXXX XXXX '' who work for Premium Asset Services , LLC, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA XXXX and given phone # ( XXXX ) XXXX. 

When I called to find out why and for what reason I was passed to " XXXX '' who claimed he is the " Director '' of the firm and that I borrowed money from someone who I didnt pay back yet he would not say who the money was owed to. I asked him to stop the calls and then he proceeded to tell me I was " a funny guy '' and asked " how was my girlfriend and my wife '' ( I have no wife ) suggesting he could hurt them in some way. I hung up on him.
Product: Student loan

I have never had an issue with paying my loans before they transferred to this company. Since I've been with Nelnet my credit score has gone down significantly due to being marked as " late payments '' even though my payments were not late. My bank account information was all correct beginning in XX/XX/XXXX, I have tried to resolve the issue of them not being able to get payment from my bank. From XX/XX/XXXX- XX/XX/XXXX none of my payments that I submitted where accepted. Between talking to nelnet and my bank ( XXXX XXXX XXXX XXXX ), nelnet had never requested a payment from them. Then they decided to charge me late fees on top of my regular payments. I've paid well over {$100.00} in late fees with my regular charges. I do not know what is going on with this company but something isn't right. Checking reviews from the XXXX XXXX XXXX XXXX, etc I'm not the only one this has happened to. I've worked hard for my money, I've served this country honorably, this is an absolute shame to even have to deal with this. Even today making a payment on my loans they will not take the payment out until Monday XX/XX/XXXX. How can I go into a store and purchase an item and the payment be taken the same day but yet my loan company can't do the same. Now I'm being charged another late fee, that I will again pay and again my credit will be affected.
Product: Debt collection

For two years, Portfolio Recovery Associates has attempted to collect a debt for an account that we believe to contain inaccuracies. In those phone calls made to us, our attempts to clarify info made the the representatives become more and more aggressive. The caller in some cases would scream, " So, are you refusing to pay this debt!! '' repeatedly. I feel that that was an attempt to trap us into making some verbal agreement or binding statement. After several calls like this and their references to taking legal action, my husband and I considered getting the matter behind us by agreeing to settle the account, but every call since then has stalled because of Portfolio Recovery 's refusal to send a written agreement. 

Their position was that payment was necessary before their representatives had the ability to print out, e-mail or request any kind of written request. Often, the collectors ' demeanor degraded from that point when we insisted on a written agreement before making a payment. We believe this collector had no intention of following through with discharging the debt as paid. I believe their intention was to restart the statute of limitation on this debt and/or sell the debt to another collector after recovering a certain amount. We believe these practices to be unfair and deceptive. 

It 's been two years and Portfolio Recovery has yet to file a law suit against us, which leads me to believe that our account had not been sent to a litigation department. 

I called one last time on XXXX XXXX, 2016 to confirm their position in regards to refusing to make a written agreement before receiving payment and to clarify account info. The call was recorded and is uploaded with this complaint. The call reflects their refusal to make a written agreement without receiving some kind of payment first. Additionally, I made attempts to clarify info about the debt and its validity, but the representative asked whether I was in fact asking for a " validation letter ''. As a layman to these matters, her reaction to that request gave me the impression that asking for a validation letter somehow had derogatory consequences for me or would cause a sequence of events that perhaps would force Portfolio Recovery to escalate their actions in this matter. So, I declined that request. As I understand, one has a right to their collection information, but because of their fear tactics, I hesitated asking for more info. Again, we believe these to be unfair and deceptive practices. 

I later spoke with a gentlemen that offered to email or send a " courtesy letter '' about our account. At the end of the call I reminded him that I would in fact like to receive that courtesy letter giving us information about this collection, but as of this date, we have not received anything via mail or email. 

At this point, we feel that our only recourse is to contact an attorney.
Product: Credit reporting or other personal consumer reports

Portfolio Recovery Associates , LLC XXXX XXXX XXXX XXXX, XXXX XXXX  Re : Acct # [ XXXX ] I was made aware of your attempt to collect an alleged debt less than 30 days ago. Please be advised that I hereby dispute the validity of the above-listed alleged debt in its entirety. 
I request verification/validation of the alleged debt and specifically request a copy of a contract or agreement signed by the alleged original creditor and all parties to any such contract provided. Note : a billing statement, notice, or any unsigned document is not verification of the alleged debt. 
You are on notice that you are unlawfully attempting to collect the above-listed alleged debt. Cease & desist all collection activity, including reporting to consumer reporting agencies ( CRAs ). 
Providing me the specific verification documents above shall not be deemed collection activity. Further, I request that you promptly delete any and all prior consumer reporting made to any CRAs. If you comply with my cease collection & deletion request, then you are excused from verification. 
If you opt to provide verification, also provide proof of the chain of title of ownership of the debt. If the alleged debt was acquired by a XXXX debt buyer, then proof of chain of title of the alleged debt must be from the alleged original creditor to the current alleged owner without any break in chain. 
This letter is evidence that may be provided to the Consumer Financial Protection Bureau ( CFPB ). The CFPB is authorized to fully inve stig late this XXXX XXXX nd receive inform related ereto. 
Be advised, if you fail to comply with this letter, I may turn the matter over to a consumer attorney.
Product: Credit card or prepaid card

Equifax has been non-compliant with removing the unverified account XXXX XXXX XXXX  which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that XXXX XXXX XXXX  was not established by myself but Equifax keeps verifying this accounts. Also, when I called the company they responded that Equifax did not send them all of the verifying evidence to confirm each account is unverified.
Product: Checking or savings account

Someone had hacked my bank account with that I have with Chase. They made it look like I was doing claims like someone stole my card and the bank credited my account, but it wasnt me. They got the money to credit to my account and then they took the money back out.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts are not mines, not sure if they are mixed up with someone with a close name or just an clerical mistake ..but please remove these accounts immediately. 

1 ) XXXX XXXX {$1000.00} 2 ) XXXX XXXX XXXX {$83.00} 3 ) XXXX XXXX 4 ) XXXX XXXX  5 ) XXXX XXXX