23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

In XX/XX/XXXX, I inquired with US Bank, who holds my mortgage, about an escrow waiver. They told me I do qualify but I would be required to pay an escrow waiver fee of .25 % of my remaining balance, which is currently {$760.00}. I asked them and also researched what this fee was for and found on the US Bank website the Applicable Mortgage Fee page that is required by the FDIC. On that page, it explains that the fee is only assessed for escrow waiver if the person received discount points on their mortgage at closing. I reviewed my mortgage closing documents and I did not receive any discount at closing. I also verified this with my mortgage broker who did my closing. I requested documentation from US Bank showing where I received discount points at my closing, which would prompt this fee but they have not been able to provide this. The continue to refer me to XXXX and section 14 of my loan disclosure which discusses loan fees, however does not prove that I was given a discount. If they are able to prove I was given a discount, then I will understand why the fee is being assessed but I believe this is not the case and they are trying to wrongly charge me a fee when I do not meet the requirements to charge the fee. They have basically told me I can either pay the fee or leave my escrow in my mortgage. I went into a branch today XX/XX/XXXX and spoke with a person who talked with the mortgage department who said the same thing that Ive been told. Still, no one is able to show me where I was given a discount which would justify the fee being assessed. I even offered to open a savings account with US Bank and move the escrow money to that account so they didnt lose the money, but they still said I had to pay the fee.
Product: Money transfer, virtual currency, or money service

This is a fradulant student loan consolidation company. When I signed up for the consolidation I was promised over the phone that if I consilidate with them that my loans would be relieved in 3 years. After a lot of research and talking to XXXX and XXXX I found out that im basically paying these people {$39.00} a month for them to do nothing ( all thry did initially was submitted me for PAYE, pay as you earn on XXXX ) and I signed a contract with them thinking I wouldnt have any more loans to pay in 3 years which is absolutely not true. I was misguided and being naive about the situation and they scammed me and now they are cold calling me, and my family ( I have no idea how they got my families information, my family lives in XXXX and I live in Hawaii ). I have terrible credit now because of this company but refuse to pay into this scam so do n't know what to do, please help if you can, thanks!
Product: Credit reporting, credit repair services, or other personal consumer reports

I originally had an account with XXXX that has been paid in full. I have documentation show that the account has been paid in full. XXXX is also reporting a {$0.00} balance. This company named XXXX XXXX XXXX is somehow reported that I owe them {$54.00}. I have requested this be removed from my credit report. XXXX XXXX XXXX has refused to do so. I have made several attempts to contact the company, but no one has responded to my letters, phone calls, and emails. Please have them remove this inaccurate information from my credit report. XXXX XXXX XXXX responded stating that they received payments from me. I never made any payments to XXXX XXXX XXXX. All of my payments were to XXXX the original creditor. I have documentation to prove my payments and that the account has a {$0.00} balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have notified all  XXXX  credit reporting agencies asking for verification of Chapter  XXXX  Bankruptcy reported. I have contacted my local Ban  kruptcy Court. The Bankruptcy Court stated, " they do NOT provide any information to credit reporting agencies, nor do they ever validate and/or confirm public records. '' It is the credit reporting agencies, and /or other third party providers who collect information regarding public cases from public records. Public records information is NEVER validated by the U.S. Court systems due to the Fair Credit Reporting Agency Privacy Law.
On   XXXX   XXXX  , 2017, I sent certified letters to the  XXXX ,  XXXX , and Transunion asking for documentation of validation associated with the bankruptcy.
To date, I have not received a response from any of the reporting agencies. Additionally, the reporting agencies have not indicated that   the bankruptcy is in dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my 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 XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Experian posted incorrect information about the status of my account. My most recent credit report Dated XX/XX/2022 shows that the last time this company updated my payment history was in XX/XX/2022. This account is paid in full, but your reporting doesn't reflect this accurate information.

Inaccurate payment history information like this are preventing me from obtaining credit that I'm trying to apply for because it's lowering my credit score big time.

I take this very seriously and I would appreciate it if you remove the late payment marks off this account as soon as possible.
Product: Vehicle loan or lease

I paid off my vehicle loan on XX/XX/XXXXat the local BBVA branch with a personal check. The teller provided a number to call to receive my title faster than the normal 30 day period. On monday XX/XX/XXXX after checking my bank account ( making sure the check had cleared ) I called the number provided by the teller, I was told to email a copy of the deposit slip showing that I had paid the loan off, I was informed that I would get my tittle in 7 to 10 days. I called back around the XX/XX/XXXX to ask where the title was, since I was told that it was coming from XXXX AL, which is 80 miles away, again I was told that it was in the mail. I called back and asked to speak to a manager to see if I can get a straight answer about the whereabouts of the tittle, I was told that I would receive it no later than friday XX/XX/XXXX or saturday XX/XX/XXXX. I called back on monday and was told again that it was in the mail and due to the pandemic it was taking longer than normal which is odd since I make lots on online purchases and receive my items delivered by the USPS just fine and in a timely manner. I then asked for a replacement title, since I am assuming that the title " they sent '' is lost in the mail, I was told that I would have to incur the cost of a replacement title. I also requested to elevate my formal complaint to a corporate representative, I was given a ticket # and that I would get a call in 24 to 72 hours. I still have not received a call.
Product: Vehicle loan or lease

Per the contract, turn in fee is waived if you buy or lease a new Honda AHFC has been provided with proof of my new Honda lease ( both by mail and email and now attached to this complaint ) and has still reported me delinquent on the turn in fee for multiple months resulting in XXXX points of XXXX  score reduction
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MA XXXX XXXX : XXXX SSN : XXXX XX/XX/XXXX Transunion Remove the following accuracies found on my credit report : Remove XXXX XXXX XXXX, Account XXXX due to inaccuracy in dates of last payment. 
Disputes Dates of Last Payment/Opened/of First Delinquency/Billing/Closed. 

Remove XXXX XXXX XXXX, Account XXXX for inaccurate information. 
Claims inaccurate information. 

Stop reporting this account XXXX XXXX XXXX, Account XXXX due to true identity fraud. 


The description of the procedure used to determine the accuracy and completeness of the information has never been reported to me even after numerous disputes and requests. 

Name, address, and telephone number of each person contacted regarding this alleged account was never reported to me even after numerous disputes and requests. 

A copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed was never reported to me even after numerous disputes and requests. 

Please remove these accounts expeditiously! 

Send me a new credit report reflecting these changes.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of XXXX, I paid off a credit card account in the amount of {$7200.00}. The remaining balance of all credit cards was {$760.00}. At that time, my credit score with Experian was XXXX. After paying off this account, without closing the card, Experian dropped my credit score XXXX XXXX  to XXXX on XX/XX/XXXX when my report refreshed. My score with XXXX  is XXXX and XXXX  XXXX. This is not the first time EX has done this when paying off a debt. When I view the " What's changed '' link, debt has decreased, credit line increased, all total accounts has decreased, which all state " help '' your credit score. When I called on XX/XX/XXXX, the agent ( XXXX ) stated that there was nothing negative in my account, although she could see that there was a new inquiry on my XXXX  report which does not affecting my EX report, but that they are unable to interpret my credit. That seems strange considering they are able to interpret my credit just fine to a vendor when they run an inquiry. However, when I view the notifications, it clearly shows the explanation of my score decrease on EX being due to the Inquiry on XXXX. This has nothing to do with EX and they should not be able to decrease my score based on an inquiry made to another bureau. Additionally, they refuse to correct my annual income which also hurts my debt to income ratio. How can they get away with this? Why are they being allowed to penalize my credit score for being a responsible person with my money and paying off debt. I could understand if I closed the account, but I did not. When I said all of this to the agent, she hung up on me. By looking online and reviewing complaints, this seems to be a repetitive issue. Just because they are 1 of 3 large reporting agencies, and ultimately a conglomerate, does not mean they should have the power to act in any manner they like without explanation or recourse.
Product: Debt collection

I recently sent a validation letter to XXXX asking for certain information so I can validate the assume debt is me. Upon receiving only two documents from XXXX. I notice that my request was not up held, and I question the validation that this debt belong to me. They did n't send any hard proof that it belong to me. I request original document with signature and agreement to pay, and also date this allege debt became payable.
Product: Mortgage

The XXXX second installment Property Tax Bill was not paid from my escrow account. 
I contacted the mortgage server 5-6 times in the last three months when I became aware the payment was delinquent. 
The company agreed to make the payment as soon as possible, however, effective today ( XX/XX/XXXX ), they did not complete the corresponding payment. The bill was due on XX/XX/XXXX. 
This is mortgage server information : Selene Finance XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone : ( XXXX ) XXXX Fax : ( XXXX ) XXXX www.selenefinance.com
Product: Debt collection

I am writing to dispute and request the immediate removal of fraudulent accounts on my credit report. The accounts in question are as follows : XXXX XXXX XXXX. I want to bring to your attention that the respective bank/creditor, upon being made aware of this issue, has agreed to remove these accounts from their records. The other credit bureaus, XXXX and XXXX, have promptly followed suit, acknowledging the error and removing the entries. I am deeply confused and annoyed as to why your bureau has not taken similar action despite being aware of the fraudulent nature of these accounts. As a victim of identity theft, I demand that you comply with the law and follow the standard procedures established by other credit bureaus. It is both frustrating and infuriating that my repeated requests seem to be ignored. I withhold my consent for electronic communication and explicitly request that all responses be conveyed in written form through the XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

I'm currently in my second semester of grad school ( full-time ). My Federal Unsubsidized and XXXX PLUS loans are being serviced by Mohela. My husband and I have been making payments toward my student loans ( at this point, roughly $ 2k, which has been enough to pay off my Student Plus loan from my first semester ). Despite explicit instruction on the Mohela website that any payments made within 120 days of loan disbursement would be applied to the principal, we noticed that Mohela began applying payments well in advance of end of the 120 day window to the interest. When we called Mohela to speak to a service representative today ( XX/XX/XXXX ), he first tried to confound us with the use of confusing and nonsensical jargon in an attempt to justify the application of payments to my interest. When that didn't work, he told us that in order for Mohela to honor the 120 day window, I would need to write and fax a letter making that request, even though no such instruction is listed anywhere on their site or in the loan agreement. Our suspicions that the company was hoping that we wouldn't notice the early application of payments to my interest with the sole objective of making additional profits were confirmed. In my case, this was around {$7.00} extra dollars, but I can't imagine how many others taking out even larger sums of money might be impacted by this unethical and misleading practice. Unethical behavior such as this has far-reaching consequences - not only for students, but for the US and world economy. It baffles me that the US Department of Education and US government would leave students in the hands of companies like Mohela, which brazenly mislead and confuse students into paying more money than they need to, which contributes to mounting student loan debt which contributes to students ' inability to participate in the economy as consumers, and ultimately leads to major economic crisis like the one that we just saw in XX/XX/XXXX. Not only do I view this as the height of idiocy on the part of the US Government, but I'm truly disgusted by the value system of flagrant greed that we continue to espouse and perpetuate in this country. And I want Mohela to know that financial power is not the only kind of power that an individual can wield, and I will be calling upon the power of information to fight this corruption. I will be sending a campus-wide email to my fellow students at XXXX in order to warn them of Mohela 's practices, and I will share that letter with other institutions. I will also be sharing my experience along with screenshots from the Mohela website with journalist friends at XXXX, the XXXX XXXX XXXX and others, as well as forwarding this information to my elected representatives.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of my multiple attempts to notify credit bureaus that I am a victim of identity theft and that I want to query certain records in my documents that resulted from the crime. The documents I'm looking at have nothing to do with any transactions involving goods, services, or money that I've made or approved. Assuming no one cares, remove any material in my credit report that was obtained through alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, TX XXXX; XXXX XXXX XXXX XXXXXXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$550.00} ; XXXX XXXX  XXXX  ( Original creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX {$690.00} ; XXXX  XXXX XXXX Balance : {$540.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filing this complaint, Equifax, XXXX, and XXXX has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA- they are required to " promptly delete all information which can not be verified '' that I have disputed. Please resolve this matter as soon as possible. 

Thank You!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX/XXXX/2018, I sent The XXXX XXXX XXXX a Validation Letter asking them to provide documentation. The attached return receipt shows that the letter was received on XXXX/XXXX/2018 and that Sue signed for it. It is now XXXX/XXXX/2018 and I have not received anything from The Bank of XXXX XXXX. It shows 2 separate accounts on my credit report from them. Both accounts are showing a credit limit of {$300.00}. I have never heard of this company and I've never done business with them. In the payment status comments, It shows that the account had been transferred to XXXX XXXX XXXX but, Its listing Bank of XXXX XXXX as the company that is reporting the negative account. Not XXXX XXXX XXXX. I have had someone to steal my identity in the past and these are definitely not my accounts. The address associated with this account is not even the address that I lived at. I will provide a Lease showing the address where I stayed
Product: Credit card or prepaid card

On XX/XX/2019, I opened a new netspend account at my local XXXX XXXX check cashers and they notified that I would not be receiving a card and it would come in the mail. I loaded the account with {$1000.00} and that same day I checked my online banking {$960.00} was drained out of my account with a XXXX purchase not even in my area. I immediately called to dispute the charge. I was told multiple times but netspend employees that I would receive a credit on XX/XX/XXXX or even soon. I called multiple times and was then told XX/XX/XXXX is the exact day I would be credited. On the XXXX, no money was credited. I called and they told me they could not credit me the money hackers stole from me. I am so upset by this as it seems like banking security has just gone down as a whole. I was not able to pay my rent and me and my kids might have to go out on the street. I was not able to buy groceries and XXXX presents that I had promised them and XXXX was ruined. Netspend has by far the worst customer service I have ever received. I am so upset because I was told when I opened the card that my prepaid netspend debit card was protected against fraud and unauthorized charges. I have never made the unauthorized charge in question and I think I am dealing with criminals that can spoof their number to appear like mine. I also suspect the tellers at the XXXX XXXX   location are somehow involved. I just want my money back, I cant believe my money was stolen right out of my account like that. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed for bankruptcy in XXXX of 2020. My case was discharge in XXXX of 2020. Before and up until my bankruptcy I made all of my credit card payments on time, however, when I applied for credit cards as of today, and the credit I pulled from Experian, it states that I have a bankruptcy on my credit report, derogatory payments and delinquencies and that balances on my account were late. They also that the payments were too high compared to loan amount. This is not correct. This is not correct and I do not have any derogatory payments. I called all of my creditors and Bankruptcy court and they told me nothing was late and that I would have to call Experian directly. Experian told me that this has to remain on my credit report. I am upset due to this because I made my payments on time. I shouldn't have negative, derogatory marks on my credit report because I made my payments on time. This is not fair and it is unjust. 

The information is untrue. Experian has me documented for 11 late payments which is untrue and 4 negative reporting. This information is untrue as well. The credit cards reported late are a total of 11 which are XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, and XXXX. The 4 negative reporting are XXXX, XXXX XXXX, XXXX, and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX XXXX  Account # XXXX, XXXX XXXX XXXXXXXX XXXX  Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXXXXXX XXXX Account XXXX XXXX, XXXX XXXX Account # XXXX, XXXX XXXX  Account # XXXX, Dept of EdXXXX Account XXXX XXXX XXXX Dept of EdXXXX Account # XXXX XXXX Dept of EdXXXX Account XXXX XXXX, Dept of EdXXXX Account XXXX XXXX XXXX Dept of Ed/XXXX  Account XXXX XXXX XXXX Dept of EdXXXX Account # XXXX XXXX XXXX XXXX XXXXXXXX Account # XXXX, Reference # 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.
Product: Money transfer, virtual currency, or money service

I've repeatedly attempted to contact this company to make payments or connect a different bank so I can make payments. I first sent a support request on XX/XX/XXXX where I received an auto-reply that I would be contacted within 2 business days. I reached out again on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX with the same auto-reply and no response. My payment is now late due to their lack of response and it will affect my credit. Due to their lack of communication, I believe this company to be fraudulent.