23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I am complaining in regards to the escrow account attached to my mortgage. I purchased a new construction house in XXXX of XXXX. Due to the fact that the property was new construction, the initial taxes due were low due to them being on a low assessed value of an unimproved lot worth {$11000.00}. The property then became assessed at a value of {$180000.00}. However taxes due on this new value for the City of XXXX did n't start until XXXX of XXXX and wo n't become due for the XXXX County until XXXX of XXXX. 

Regardless I was instructed to put money down into escrow at loan closing despite my protest. I also paid {$770.00} a month into escrow to cover taxes, mortgage insurance, and hazard insurance. It was my belief that this would be the correct eventual amount. 

I called Roundpoint Mortgage Servicing Corporation in XXXX of XXXX to request a refund for loan number XXXX. They stalled, saying they did not have all the taxes. In informed them they should get a City tax bill shortly. Once they received it they did perform an analysis in XXXX and I did receive a refund of {$6500.00}. However they increased my monthly escrow payment to {$860.00}. 

I have now complained that they have the incorrect tax information for over a month. You see what they did was list my City of XXXX taxes at XXXX x {$1400.00} or {$5700.00}. The taxes are paid quarterly but only the first payment is {$1400.00}, the following XXXX are {$1000.00} for a total yearly of {$4500.00}. So they overestimated by {$1100.00} or {$97.00} a month. 

They still have not fixed the error. They asked me to provide a bill, but I 'm not provided a copy by the City of XXXX until paid in full. I told them the information was available online at XXXX or they could call and request the information. 

In addition, whoever has been looking at my account has now altered my hazard insurance from XXXX XXXX to XXXX XXXX Co with a wrong policy number and amount of {$550.00}. I did call the Hazard Insurance department at Roundpoint and verified they still have XXXX XXXX listed, but my online escrow account page still has the incorrect information. 

In addition the XXXX is now listed wrong as well at {$1500.00} instead of {$1600.00} even though they pay that insurance monthly for {$130.00} which annualized is {$1600.00}. 

I believe the evidence shows that somebody incompetent is reviewing my account or doing my escrow analysis. 

Listed below are the correct annual amounts. XXXX XXXX has not billed but appears to be correct in relationship to what my neighbors are paying and is the estimated figure provided by Roundpoint. 

My Escrow Analysis XXXX County Taxes : {$2400.00} City of XXXX Taxes : {$4500.00} Mortgage Insurance : {$1600.00} Hazard Insurance : {$550.00}. 

Total Yearly Costs : {$9100.00} / XXXX = Monthly Escrow {$760.00} I am request that my escrow be updated to {$760.00} a month. 

Thank you, XXXX XXXX
Product: Debt collection

I am writing to express my extreme dissatisfaction with the inaccurate and incomplete credit information that is currently listed on my credit report. It is unacceptable that such errors have been allowed to appear on my credit report, and it appears that the bureau has failed to maintain reasonable procedures to ensure maximum possible accuracy in the credit reports published. I am demanding that you immediately remove the following items from my credit report : XXXXXXXX XXXX XXXXXXXX XXXX and XXXX XXXXXXXX. I request that you provide proof of the alleged items, specifically the contract, note, or other instruments bearing my signature. If you fail to provide such evidence, the items must be promptly deleted from my credit report. I am the primary complainant in this matter, and I hereby grant full authority to the Consumer Financial Protection Bureau ( CFPB ) to thoroughly investigate and address this claim.
Product: Checking or savings account

At the end of last month, Chase informed me that I was going to close my account. That night, I tried to communicate with them to ask why, but they said that they had closed my account, saying that they were investigating the fraud in my account, and told me that I would tell me the result after 10 working days, but I had been waiting for more than 20 working days. I still don't know why chase thought that my account would have fraud, my account was normal, and did not let me know how long the investigation time would be.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXXXXXXXXXX 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 an account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

There are fraudulent accounts on my Equifax report resulting from identity fraud. I have tried to work with them as well as the creditors to have these items removed. Even with companies requesting a removal, Equifax refuses to remove the XXXX XXXX XXXX and XXXX XXXX accounts from my report. These accounts have already been successfully removed from my XXXX and XXXX  reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

Fay Servicing LLC is reporting 60 late payment for the month of XX/XX/2020, while the payment was posted on XX/XX/2020. 
Attached is Fay Servicing LLC XXXX statement showing the payments posted on XX/XX/2020. 
Please adjust the information on my credit report for XX/XX/2020 to show on time payment.
Product: Credit reporting or other personal consumer reports

TO : TRANSUNION, XXXX XXXX XXXX XXXX # XXXX DELETED THIS ACCOUNT. 


SEE ATTACHMENT.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts 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 XXXXXXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card or prepaid card

There is a charge on my account that I am disputing. I did not make this purchase. The date of the purchase on my statement shows XX/XX/2019. The name of the Merchant on the statement shows XXXX XXXX XXXX and the amount of the charge is {$140.00}. As soon as I realized there was a charge on my credit card statement I contacted the credit card company and reported this charge as fraud. The credit card company said that they would investigate this charge. Later I was contacted by the credit card company and they said that indeed the charge was fraud and would remove it. Then after some time the credit card company sent me a letter saying that the charge was valid. I contacted the credit card company again and explained that this is fraud and I never made the charge. The credit card company said that they will investigate and contact me again. They never contacted me again. Now the credit card company is threatening to send me to collections over this charge that I never made.
Product: Credit card or prepaid card

I did a balance transfer from this credit card company ( Capital One ) on XXXX and the balance is still showing as of today XXXX. The card that I transferred the balance to is also showing the balance. Therefore, I now owe double on my credit file and it has affected my score. I contacted customer service and spoke with a " XXXX '' and he seemed confused by my questions of why I am still showing a balance. He thought I was asking to apply for an additional credit card.
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I am a victim of a data breach, and several accounts and inquiries listed on my credit report are fraudulent. Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting that you immediately block and delete the following accounts and inquiries from my credit file. These accounts were opened without my consent or authorization, and I am taking steps to resolve the situation.

Accounts to be Blocked and Deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - {$520.00} XXXX. XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$8600.00} XXXX. XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$150.00} Fraudulent Inquiries 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 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 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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The account was seen on my credit report and I found some erroneous remarks in the said account. Equifax has failed to properly investigate which leads to hurting my credit scores and my credit credentials. I am requesting to reinvestigate this account and feedback within 30 days with deletion of the unverified account. 
XXXX XXXX XXXX XXXX : {$19000.00}
Product: Debt collection

company : Credit Collection Service My name Is XXXX XXXX. XXXX, My address is XXXX XXXX XXXX Michigan XXXX XXXX Phone XXXX and my birthdate is XXXX. 

After checking an updated copy of my credit report. I have found several accounts that I dont recognize. I understand that before any account or information can be furnished to the credit bureaus ; all information and all accounts must be 100 % accurate, verifiable and properly validated. I am not disputing the existence of the debt, but I deny I am the responsible debtor. I am also aware that mistakes happen. I believe these accounts can belong to someone else with either similar name or with my information used without my consent either from the furnisher itself or an individual. 

In accordance with the Fair Credit Reporting Act, your agency is required to do a reasonable investigation into the matters of accuracy, completeness and be able to verify each specific entry. I am demanding physical documents with my signature or any legally binding instruments that can prove my connection to these erroneous entries, failure to fully verify that these accounts are accurate is a violation of the FCRA and must be removed or it will continue to damage my ability to obtain additional credit from this point forward. 
I hereby demand that these accounts listed above be legally validated or be removed from my credit report immediately. 
I understand that you must complete the investigation within 30 days of the receipt of this letter. Please send all replies to the address above with an updated copy of my credit report after all investigations are properly done.
Product: Credit reporting or other personal consumer reports

ITS BEEN PAST FOUR BUSINESS DAYS AND THE ACCOUNTS ARE STILL NOT BLOCKEDVIOLATING MY RIGHTS AS A CONSUMER UNDER THE FCRA 605C I AM A VICTIM OF XXXX XXXX THESE ACCOUNTS WERE THE RESULT OF THAT TRAFFICKING PLEASE BLOCK THESE ACCOUNTSWITHIN FOUR BUSINESS DAYS PURSUANT TO FCRA 605C. PLEASE PLACE A FRAUD ALERT ON MY PROFILE USING THE NUMBER XXXX. PLEASE PLACE A SECURITY FREEZE ON MY PROFILE. PLEASE ALSO OPT ME OUT. PLEASE BLOCK THE ACCOUNTS RELATED TO XXXX XXXX PLEASE ALSO SEND A COPY OF MY CONSUMER REPORT UPDATED TO MYSELF AND CPFB. SUPPRESS MY FILE
Product: Debt collection

XXXX XXXX AND ITS COLLECTOR KEEPS CALLING AND COLLECTING ON A FRAUDULENT DEBT.WITH MERCHANTS AND ARE FALSY REPORTING ON MY CREDIT REPORTS.0.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I called Experian Consumer Credit Reporting Agency to dispute several inaccurate entries on my consumer report such as outdated addresses, additional names, and speaking with representative I was told that an outdated address could not be removed because it was tied to an account and could not be removed, I expressed concern and verbally asked representative was he deliberately violating my constitutional rights to privacy and accurate and complete information per Fair Credit Reporting Act. 

Because he don't have my consent to control my consumer report at free will. I received an email later that day XX/XX/XXXX saying my dispute has been updated. On XX/XX/XXXX I checked my credit report and to my surprise an old outdated address from XXXX has been added to my report. Experian constantly, knowingly, willfully deprive me from liberty, life and the pursuit of happiness and abridge on my Constitutional Rights. 

I have never had a XXXX credit score evidence from XXXX that is within their system, I have been subjected to the custom and usages of Experian violating FCRA, FDCPA, Bill of Rights. Experian has defamed my character, willfully confined me financially, denied me of accurate, complete information within my consumer report and deny my right to privacy according to the The Privacy Act XXXX. Experian constantly add old outdated information to my report every time I dispute outdated information. As a consumer I have rights that should not be violated.
Product: Credit card

i have told the credit bureaus many times this account is n't mines a provide proof that i took this money the account was originally reported in XXXX but now they updated it and it says XXXX this account should not be XXXX my report and removed now.they even did a civil judgement which i was n't aware of.
Product: Credit reporting

I sent a request for an investigation regarding an erroneously reported account by XXXX Support to Equifax. Equifax in turn sent these letters to XXXX XXXX, which invaded my privacy as XXXX XXXX has and had nothing to do with XXXX Support. Not only did they send my personal information regarding my credit but they also sent my social security number, date of birth and my address. This was the wrong thing for them to do and can be damaging to me and my credit. I do n't understand how they could be so careless with such personal information. I as well as other consumers trust them to maintain our privacy. I also sent Equifax proof that this account was paid in full so they could update it and they did not help me with this issue. I have good credit and my accounts are in good standing. I have no history of not paying my debts. This is a gross neglect of my rights and the Fair Credit Reporting Act on Equifax 's behalf.
Product: Debt collection

I was currently requested debt validation as I wasn't aware of the debt well after arguing and fighting with my ex wife about this debt I learned that she took it out without my knowledge and I didnt know nothing about this debt. So I sent on XXXX XXXX by fax a payment plan and I haven't heard nothing back from them and I wanted to find out if they are any way someone can help me out with this please. Below is what I sent them.
Product: Mortgage

I own a two family home. I applied for a loan modification back in XXXX of XXXX. Prior to that date we had fell behind in paying the mortgage back in XX/XX/XXXX. My brother who is the co borrower on the loan fell behind due to getting laid off from work due to COVID and my second job was also cut off until further notice. XX/XX/XXXX, my brother then filed a quit deed and that left me alone to pay my mortgage. My tenant loss her job XX/XX/XXXX due to COVID and then moved out. I have been in communication with Bank of America since XX/XX/XXXX until now XX/XX/XXXX. It's been 8 months of a prolonged loss mitigation review process. They have asked me for endless repeated documents and also explanation of expenses. I have been nothing but compliant with all of the documents that was asked for. I call and check in every week with something new being asked of me to send proof of every time. Just when I thought they had everything, the underwriter asked for tax transcripts and proof of water bill back in XX/XX/XXXX which I provided in XXXX  XXXX. XX/XX/XXXX I received a letter that they did not receive documentation of income or proof of occupancy and they closed my case. That was a conflicting letter because every document they asked for I sent it in a timely fashion and spoke to a loan representative every week. It's a dead end calling because someone different answers every time and has to review the file all over again with no answers. I don't know if because I am XXXX american that they won't help me and is basically giving me the run around. They would keep telling me they are noting the account and messaging the under writer and call back in a few days and when I call back dead end no answers. Today XX/XX/XXXX was the last straw for me when they told me that my file was closed on XX/XX/XXXX and I would have to reapply. This is not my fault I want help more than anything and I have been sending my information faithfully upon asked and checking in every week. They don't call me to ask me for information needed. Whenever I call that's when I know information is needed. This is unacceptable and unprofessional there are programs to help people and they won't help me. This is not the first time I have reached out to them regarding my mortgage and they keep denying me. I have XXXX  children I need my home. I have an income all I need is mortgage relief and lower monthly payments. Its very stressful trying your best to save your home and then to find out for all these months was a dead end. Its not right XXXX  I am XXXX, XXXX  XXXX  confused and I don't know where to get help.
Product: Credit card

Goldman Sacs Bank is reporting fraudulent inaccurate information on my credit report. I have called & mailed this company to report this fraudulent account.

Goldman Sacs Bank is now reporting this account as charged off. I have requested that they provide all documentation regarding this account ownership so I may review to see if this is actually an account that belongs to me.
Product: Credit card or prepaid card

On XX/XX/XXXX, my husband and I submitted a claim with the Consumer Financial Protection Bureau ( Complaint ID : XXXX ). We received notification on XX/XX/XXXX that the claim was denied because the complaint lists someone the company does not recognize as their customer or their customers authorized representative. My husband, XXXX XXXX submitted the claim on my behalf, submitted the claim, which is probably why we received this message. I am now resubmitting this claim under my own name. 

We look forward to a prompt resolution of this matter. 
XXXX XXXX XXXX, AZ Phone XXXX. 

On XX/XX/XXXX, I used my Citicard Mastercard on a trip to XXXX in XXXX, where we purchased a marble chess set and necklace from a store called XXXX XXXX XXXX for an agreed price of {$850.00} USD. At the time of purchase, the store ran my credit card through its card reader but then said the card reader wasn't working and nothing printed out. The store then ran my card through a different credit card reader, at which time the sale went through. 

When I checked my statement the next day, I discovered that I had been charged twice for the same item ( {$850.00} from XXXX XXXX XXXX XXXX XXXX ; and {$840.00} from XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). These two charges were purchased in the SAME store and for just ONE bill of sale -- the marble chess set and necklace. We immediately sent an email to the store asking them to remove one of the two charges, but they never responded. I filed a Citibank Billing Dispute on XX/XX/XXXX ( Case # XXXX ). I also spoke several times with their billing dispute team filled out their application form and provided additional documentation each time it was requested. ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) both by regular mail ( dated XX/XX/XXXX ; Case # XXXX ), by email, as well as numerous follow-up phone calls. 

On XX/XX/XXXX we received a vaguely worded notice from Citibank that they are denying our claim. We were given no reason other than " we have no options available to assist you in this dispute because of the age of the charge. '' As far as we know, Citibank never even contacted the store from where the purchase was made in XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Sequoia Financial is reporting a debt on my credit file that is not mine. Please note that this is not a refusal to pay, but I am asking for validation. Under the FDCPA, I have to right to request validation and I am requesting proof that I am the party you are asking to pay this debt and that there is some contractual obligation that is binging on me to pay this debt. I am NOT requesting verification but a request that validation is made. I ask that your offices provide me with competent evidence that I have any legal obligation to pay you. During this time, if your office continues to report invalidated information to any of the 3 major credit bureaus, this can constitute fraud under both federal and state laws. If you continue to report I will not hessite in bringing legal action against you for violation of the FDCPA and defamation of character. If Sequoia Financial is able to provide proper documentation I will require 60 days to investigate this information and during such time all collection activity must cease. If you fail to respond within the 30 days, all references to this account must be deleted and removed from credit and copy of a deletion letter shall be sent to me immediately.