23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I bought a home in XX/XX/2018 which included my escrow account as well.My payment with the escrow account was {$1600.00} and it remained the same for 1 year with fixed interest rate of XXXX after 1 year my payment was reduced to {$1400.00} still with the escrow account without any reasons disclosed..It remained the same till last year in XXXX and without giving any explaination the monthly payment went up to {$1700.00} and after 2 months in XXXX the monthly payment went up to {$2300.00} again without any explaination. I called the lender to know wht was going on but without sucess and when i asked to talk to a senior person that too was denied..I stayed on the phone line for 3 hours being transfered here and there and finally came the answer that there is a shortage in my escrow.But my question is how can there be a shortage when i have never missed a payment .This they could not answer and after there calculations to which i have no idea how it was done they agreed to reduce my monthly payment to {$2000.00} and that to for next 3 years..If u do a simple calculation if they are saying my escrow payment is {$940.00} for a month so for 1 year I am suppose to pay {$11000.00} and my property tax for the year is {$4000.00} which includes my taxes and insurance and if I pay {$940.00} for 3 years i will pay for my escrow {$33000.00} which does not make any sense.I would say its a total rip off and during this pandemic iam just struggling to keep up with this kind of behaviour. I would appreciate very much if someone can solve this matter. 
Thanking You in advance.. 
i would like to give my information as follows.. 

XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Phone..XXXX Mortagage Company ... Carrington Mortgage XXXX XXXX XXXX, XXXX, CA XXXX phone ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have notified Dept of Educatiion that they are inaccurately reporting that I was late in XXXX XXXX. I have asked them to provide me with proof of these late reportings. Please assist me in getting these late reportings removed from my credit file.
Product: Mortgage

I am filing a complaint regarding my mortgage servicers failure to remove lender-placed ( force-placed ) insurance from my escrow account, despite multiple confirmations that I have valid property insurance. 

For over XXXX months, I have spent numerous hours working with the companys call center specialists, including XXXX XXXX XXXX, to repeatedly provide proof that my existing insurance policy meets all mortgage requirements. On XXXX separate occasions, I was assured that my documentation was verified and that the system would update accordingly. However, after weeks with no change, I followed up againonly to be told that I had to restart the verification process. 

As a result of the companys failure to properly process my documentation, my latest mortgage payment now includes an increased escrow amount due to an unnecessary and redundant insurance charge. I have attempted to resolve this issue multiple times, but there have been delays, lack of continuity between representatives, and no response to my most recent inquiries. 

I am requesting that the CFPB intervene to ensure the lender-placed insurance is removed, my escrow balance is corrected, and that I receive a clear resolution so I can proceed with my mortgage payment without unjustified charges. 

I appreciate your attention to this matter and look forward to a timely resolution.
Product: Credit reporting or other personal consumer reports

ROCKETXXXX  - the account was paid in full and the account was closed in XX/XX/year>. Even though paid in full, a {$1.00} interest charge was applied to the account. Thinking the account was closed, I never again logged into the account. Apparently, this unwarranted interest charge continued to accrue, and a late fee was assessed to the account & ultimately a late payment was reported to the credit agencies. How can a financial institution charge interest when the balance is paid in full, on time?
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX was a victim of identity theft a few years ago.I have been trying, unsuccessfully to remove this account from my credit report .I uploaded all my docs and proof for you to see .so u can see some one open an account with XXXX Lending USA XXXX XX/XX/2019 over XXXX was done under my name with out my permission identity thieft I have try with XXXX  and XXXX lending but XXXX  lending is not in charge of account XXXX XXXX has it there a mix up on my credit report with XXXX it has XXXX  lending as current account holder but they dont have it no more XXXX XXXX has but never reported this is weird I have excellent credit this is XXXX me please help
Product: Debt collection

I have corresponded with this 3rd party collection company about an alleged debt they claim I owe. I have asked them to send me something with my signature on it stating i have contracted with them and the original creditor. The company still continues to send me some statements which I did not ask for and continue to report on my credit. The customer service reps are very rude. The First Lady I spoke with XXXX on XX/XX/19 was rude and did not try and help me. I asked to speak to a supervisor XXXX on the same day and she was not helpful either. They do not follow the FDCPA or FCRA by law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've recently received my consumer report from EQUIFAX and noticed that there were unauthorized accounts being furnished.On XX/XX/2022 I wrote a letter which was sent overnight and received XX/XX/2022 tracking number being XXXX ( confirmation attached ) In this letter I've communicated to EQUIFAX letting them know that I was aware of the fraudulent accounts reporting on my consumer report. ( XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX ) I also explained to EQUIFAX that XXXX hadn't given them written or oral consent on my behalf which according to the FCRA are required before any consumer reporting agency furnishes any account.According to 15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.With EQUIFAX reporting these accounts they are in violation of that subsection as well as 15 usc 1681 ( n ) ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00}. I'm demanding EQUIFAX TO BLOCK AND REMOVE the accounts listed above or I will presume litigation for all damages caused by this consumer reporting agency.
Product: Debt collection

As a consumer in the American credit community, I feel singled out as a minority being abused by a national banking institution. The attached items showing XXXX XXXX XXXX as a charge off is a deliberate attempt to make it impossible for me to obtain decent financing on anything in the near distant future. The loan in question can not be in a charge off status unless it is by mandate of Rule 5000 FDIC, that it has been in default for 180-days or more. This is the federal mandate, not mine. This loan was paid off by an insurance claim in XX/XX/XXXX,  along with a short fall payment from my personal checking account. XXXX XXXX XXXX is maintaining a charge off with a balance even though the 180-day late timeline was never reached, and XXXX XXXX XXXX never filed a default on record with any XXXX filing with the Securities & Exchange Commission. I am a member of the XXXX Community that came to America for a better chance at life. The rules should apply to XXXX as much as they apply to me. There was never a charge off, and the loan is current. We would like to get this credit issue resolved so that we can trade in our vehicle and pay off XXXX in full. In addition to this FDCPA claim. 
In addition, the vehicle loan was purchased by XXXX XXXX XXXX from Capital One Auto Finance, but there is never a cut off date from the original lender on the assignment date or purchase of debt date. A recent Supreme Court case called XXXX XXXX XXXX XXXX XXXX, XXXX may have ruled in favor of XXXX XXXX XXXX, XXXX as far as purchasing of debts bypassing FDCPA guidelines as a debt purchaser, XXXX XXXX XXXX, XXXX had never given adequate notice that the debt was actually purchased from the original lender, and since that criteria was never established, the negative reporting against me was never legitimate. 
The payment history was cut off by at two years, whereas my payment history starting XX/XX/XXXX does not show late payments within the first two years of procurement. This was done to to re-age the payment history based upon the 7-year rule under FCRA. Across the board, both Capital One Auto Finance and XXXX XXXX XXXX, XXXX are in violation under FDCPA and FCRA. 

Now XXXX XXXX XXXX, XXXX has blemished my credit beyond the FDIC Rule 5000 sub-standard protocol. My position is solid for a federal lawsuit based upon a national bank violating my rights of proper disclosure and legal reporting requirements. 

The credit items must be deleted by both XXXX XXXX XXXX, XXXX and Capital One Auto Finance.
Product: Debt collection

I reviewed my credit report and I have a debt collection from XXXX XXXX XXXX XXXX that's was opened in XX/XX/2019 I was not a where of this account is reporting false information. It states it's an open debt collection account and reporting an open balance of {$1400.00} which is inaccurate. I have tried getting in contact with this creditor but had no luck. Delete any negative remarks in my credit report. And send me a updated credit report with reflecting these changes.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM A NATURAL PERSON & CONSUMER FILING THIS COMPLAINT. 
DO NOT CLOSE THIS COMPLAINT STATING THIS IS NOT ME! 

The tradeline being reported has a derogatory rating which has caused me serious financial and emotional distress. This has caused defamation to my creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics. 

In order to rectify this situation and ensure my rights have not been violated in any way, I have sent multiple letters and complaints challenging the completeness, accuracy and integrity of the information XXXX XXXX is furnishing. 

LIST OF INACCURACIES FOUND ON EXPRIAN COMPARE 3 CREDIT REPORT : ACCOUNT # -FULL ACCOUNT NUMBER NOT SHOWN ACCOUNT TYPE-ACCOUNT TYPE INACCURATE { SHOWS AUTO LOAN & INSTALLMENT } ACCOUNT BALANCES- INACCURATE PAYMENT STATUS- INACCURATE SHOWS CURRENT XX/XX/XXXX ON EXPERIAN AND THEN XX/XX/XXXX SHOWS CURRENT, WAS PAST DUE 30 DAYS, AND ON XXXX SHOWS PAID OR PAYING AS AGREED PAYMENT HISTORY- INACCURATE REPORTING { IN XX/XX/XXXX SHOWED NO 30 DAY LATE PAYMENT FOR XX/XX/XXXX, IN XX/XX/XXXX IT NOW SHOWS A 30 DAY LATE PAYMENT FOR XX/XX/XXXX. 
TERMS- INACCURATE ... REPORTING 86 MONTHS XXXX XXXX was required to notify me later than 5 days before furnishing the negative information to the consumer reporting agencies, in writing that such furnishing of information was going to take place. This notification is required under the FCRA, section 623, subsection ( 7 ) ( A ). However, I never received documentation that XXXX XXXX complied with this requirement.
Product: Credit reporting, credit repair services, or other personal consumer reports

Wells Fargo issued a statement Were here to help, in order to support customers experiencing financial difficulties due to COVID-19. It appeared that they were prepared to work with me in order to provide payment relief without causing late payments to appear on my credit report. They did not honor that statement as my credit report reflects late during the months of XX/XX/2020.
Product: Credit card

I opened my Capital One XXXX card last year, and XXXX of the stated benefits that I knew I would use is the ability to share miles with other XXXX cardholders, which my XXXX  has one as well. Once I put spending on the card and received miles into my account, I then went to go to transfer miles to his account for him to use, but when I tried, it would not give me this option. I called on XX/XX/year> to inquire why, and after being transferred to a supervisor, was told that " yes this is a stated benefit of the card, but for some reason, it is not letting you make the transfer. '' She agreed this should be an option on the account, and referred it to another department to fix the issue. 

The other department responded to me on XX/XX/XXXX and simply said, " Unfortunately, we are unable to transfer your rewards because your account is in an unredeemable status. '' There is no explanation as to why. This is unacceptable to find this out after I have already spent money on the card, and no offer how to resolve. Capital One had no problem accepting my charges, but when trying to use a stated benefit on the card, they are unwilling to help. If this benefit was somehow removed since applying, they would have needed to notify me. And if there is some other reason why, they need to fix it. It is unacceptable to charge me a renewal annual fee and not even provide the benefits that were in the stated account terms. I even reached out about a refund on XX/XX/XXXX, and they ignored that request.
Product: Debt collection

Kirshenbaum & Phillips, P.C., is continuously harassing me by mailing a copy of a lawsuit summons every other day although I already submitted an answer to the court. I would like for them to stop harassing me by sending the same summons to my home every other day. I would contact the law firm, but after reading poor XXXX reviews, I am concerned with giving my personal information and trying to work with them. I am hoping that the XXXX XXXX district attorney can assist me with this harassment. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has been restricting my online access and denying the dispute I had for an account that was originally reported by Department of Education Debt Resolution Group. Today I had received a letter from Department of Education confirming the deletion of the account with all credit reporting agencies. Both XXXX and XXXX had deleted the account off my credit report. The only one that has not processed the deletion was Equifax. They've not being cooperating with the request at all. Instead, they restricted my report online access, they also added some random name on my report. I still can't access my online account even after uploading my selfie, ID and social security card. Which is unacceptable. I've attached the letter sent by Department of Ed confirming the deletion. I need Equifax to delete the collection account and the other person 's name off my report, also restore my online access.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted XXXX, Experian, and XXXX on numerous occasions, both by phone and mail, and tried to have them explain to me how they are verifying these erroneous reporting accounts as accurate, and they always reply with, " we obtain our information from XXXX and the XXXX system for these accounts. '' XXXX and the XXXX system are NOT the original creditors to any of these erroneous reporting accounts, and their reporting should not be counted as " verifiable ''. If these 3 bureaus can not give me satisfactory information and provide me with written proof of the creditor they talked too with complete phone number, and written proof with the name of the customer service member that they obtained the information from, or written proof of the clerk of courts name and telephone number, and written proof that they talked with him/her, then they are in violation of FCRA 611 and MUST DELETE these erroneous accounts from my credit report!!! I am a litigious consumer, and if these accounts and hard inquiries are not removed from my reports immediately, I will sue these bureaus for violating my FCRA rights!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2020, I reported to XXXX XXXX my dispute of inaccurate payment history information with XXXX. Also, I contacted and wrote, and mailed XXXX supporting documentation of my said claims ) to my mortgage company Branch Banking and Trust. BB & T credit reporting department representative reassured me that they reported my on time payments. On XXXX XXXX BB & T credit reporting department wrote me a letter stating they received correspondence of my dispute. On XX/XX/2020 I received a letter from BB & T Mortgage Credit Reporting Department stating that they investigated my dispute and determined the information is correct. A day later XX/XX/2020 my credit score decreased for a second time and it did not show any payment information for the months of XXXX and XX/XX/2020. On XX/XX/2020 I received by mail a letter from BB & T credit reporting that they received correspondence and that no error has occurred. Again, I spoke to BB & T on XXXX XXXX and spoke directly with two Supervisors and wrote a second dispute with my concerns of my inaccurate payment history. They both stated by phone everything was up to date. This time around my score decreased with XXXX  instead of the above agency XXXX. I called on XX/XX/2020 XXXX  Credit Bureau and the representative told me that BB & T last reported to them in XXXX of 2020 and that there were no payment history for the months of XXXX and XXXX. On XX/XX/2020 BB & T credit reporting department sent me by mail a letter stating that they received correspondence of my inquiry. Today, XX/XX/2020 my score decreased for a third time with XXXX. Moreover, I spoke to a XXXX Credit Bureau representative and they stated that they have never received any payment history from BB & T credit reporting department for the months of XXXX, XXXX, and XX/XX/2020.
Product: Credit card or prepaid card

Ban k of American  offered a  XXXX  signature credit card in connection with   XXXX    XXXX . As part of the inducement to apply they offered  XXXX  bonus miles and a companion ticket for the cost of the taxes and fees associated with the fare of the ticket. They offered apply now and book your travel immediately. This is not true. Although I was immediately approved for the card and immediately made the required purchases, when I received the actual card an " insert '' stated that the miles and the companion ticket would not be issued for up to  two  more billing cycles.   I would not have filled out the application nor would I have used this card had I known I would not be able to travel within the very near future. " We look forward to traveling with you soon '' is not exactly what they mean. Applying now and if you 're instantly approved- you can book your next flight immediately " is a lie. " Buy  XXXX  ticket, and get  XXXX  for just the taxes and fees from just {$22.00} after you make {$1000.00} or more in purchaes within the first 90 days '' is another lie.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have carefully reviewed my credit report in Experian. I have been turned down for a credit due to mis-reporting information, I have found inaccuracies that should be immediately investigated. I have complete knowledge of the Fair Credit Reporting Act and understand that these companies have a responsibility to notify me prior to or no later than 30 days of such negative activity reporting against me. The following information therefore needs to be re-investigated. This has really caused me a lot of stress and strain and I demand that these account be corrected immediately or I will file for litigation. 

XXXX XXXX XXXX  XXXX
Product: Credit reporting or other personal consumer reports

Section 611 FCRA 15 U.S.C 1681i ( B ) Reinsertion of Previously Modified or Deleted material ( i ) Certification of Accuracy of Information If any information is Deleted from a consumer 's file Pursuant to subparagraph ( A ) the information may not be reinserted in the file by the consumer reporting agency unless the person Who Furnishes the information certifies that the information is Complete and accurate. 
( ii ) Notice to Consumer If any information that has been Deleted from a consumer 's file Pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, If authorized by the consumer for that purpose, by any other means available to the agency.
Product: Checking or savings account

OPENED SUNTRUST ACCOUNT ON XX/XX/XXXX MADE OPENING DEPOSIT. THEN OM THE XXXX DEPOSITED A CHECK FOR XXXX $ THEY SAID WOULD BE AVAILABLE ON THE XXXX. TRIED TO WITHDRAW THE MONEY ON THE XXXX THEY SAID ACCOUNT WAS BEING INVESTIGTED FOR FRAUD. THE REP SAID AFTER 5 DAYS OF NO ACTIVITY THEY WOULD SEND A LETTER IN 5 TO 7 DAYS THEN A CHECK WITH REMAINING FUNDS 7 TO 10 DAYS AFYER THAT SO ALMOST A MONTH. I JAVE KIDS TO FEED AND BILLS TO PAY I HAVE ALREADY WAITED 2 WEEKS TO HAVE ACCESS TO THIS MONEY. I XXXX  THIS AND THERE ARE DOZENS OF NEWS STORIES AND THOUSANDS OF PEOPLE COMPLAINING ABOUT THIS.
Product: Mortgage

On XXXX, I contacted Mr. Cooper to do a forbearance. I was told that I was able to do one and my application was approved for a 3-month forbearance. On XXXX, I realized that I owed a balance and contacted Mr. Cooper. When I contacted them, they stated that my forbearance was denied. I explained to them that I wasnt notified that my forbearance was denied and now my mortgage is behind 2 months. They stated that the only way I can fix it is to do a loan modification which may raise my interest rate.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX : {$1200.00} ; XXXX XXXX XXXXXXXX XXXX Original Creditor : XXXX XXXX ) XXXX Balance : {$490.00} ; XXXX XXXX XXXX XXXX XXXX Balance XXXX {$1900.00} ; XXXX XXXXXXXX Balance : {$870.00} ; XXXX  XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

Hello, I have mailed letters to TransUnion. In regards to XXXX XXXX XXXX dispute investigation. The company as a courtesy granted the removal of the delinquency previously reported. On XX/XX/2023 and TransUnion has yet to update my credit report to reflect said updated correct information. 

I ask that someone please help get delinquency updated with my TransUnion credit report. 

I have attached Proof from XXXX XXXX XXXX. Stating the previously reported information. Along with the date and time the changed took place. According to XXXX XXXXXXXX XXXX, they sent direct letters to all XXXX Credit Bureaus. TransUnion never updated the correct information in over 30 days.