23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

The following statements are in response to an annual escrow review statement sent XX/XX/XXXX. I have made Fay Servicing aware of the issues with their escrow distributions through XXXX XXXX and Vice President XXXX XXXX. They have not addressed the issues and refuse to remove my escrow account. They are in breach of contract because they missed a real estate tax payment resulting in penalties to me. I have managed my properties for over 12 years and never missed a payment. I am kindly requesting they remove escrow from my account due to the breach of contract and poor management. 

NOTES IN RESPONSE TO LETTER BEGIN HERE : I noticed single asterisks and they do not pertain to an explanation on the bottom of page XXXX or XXXX. What does a single asterisk mean in this case? 

Theres an E at the bottom of table 2 and there is no footnote explanation or the like. 

In table 1 ( projections ) what does CO 1st 2nd P pertain to?

In table 1 ( projections ) what does County 1st pertain to?

In table 1 ( projections ) the insurance estimates are higher than last years premiums paid by owner. 

There is a {$590.00} over estimate on insurance premiums paid by buyer. 
Show where youre getting insurance estimates from.

Table 1 ( projections ) first half - County taxes are paid more than 60 days in advance resulting in a negative escrow balance months before taxes are due.

Owner pays insurance through his own methods and has not used escrow to perform these duties. When will his escrow overage be applied in XXXX once insurance is paid and proof uploaded to Fay Servicing?

Owners calculations for escrow are the following : Property taxes for XXXX3 = {$10000.00} Insurance premiums XXXX = {$4200.00} TOTAL : {$14000.00} Spread out over 12 months is {$1200.00} per month Fay Servicing requires {$2500.00} as a minimum escrow balance - where does this amount come from? Please explain. 

The negative escrow is reached by paying property taxes more than 60 days before they are due. This process forces a negative escrow balance where if they were paid within 2 weeks which is common the negative balance would not show.

The timing of escrow distribution is intentional to create a negative escrow balance resulting in the false perceived need to increase monthly payments thus putting undue hardship on owners.

The owner kindly request county tax payments be made no more than 2 weeks before due date. 

History shows double payments of county tax payments, resulting in a negative escrow balance in XXXX. 

Fay Servicing failed to pay from escrow a tax bill for XXXX XXXX XXXX resulting in delinquent status endured by the owner. 

Fay servicing is in breach of contract for not making timely payments for property taxes held in escrow thus causing undue management efforts by the owner to fix Fay Servicings oversight.

Owner is putting on record the request to remove escrow from his account as soon as possible.
Product: Debt collection

asked for proof of debt validation of debt proof copy of original contract and to delete this from my credit file. never contacted me or provided any proof. also believe they are required to adhere to an arbitration clause.
Product: Mortgage

I refinanced my home earlier this year with Caliber Home Loans. It was not a simple loan but Mr. XXXX affirmed with me that they were capable and confident of what was involved. Both loan officers, XXXX & XXXX XXXX were courteous throughout the loan process. In initial conversations with XXXX I was told not to worry about locking interest rates and this was his job to monitor the market and he affirmed he was good at his job. He quoted me an interest rate of 2.45 % - 2.85 % with loan fees totaling {$4100.00}. He said he would lock the rate in when appropriate and not to worry about costs increasing that the market was good. 

Given the market conditions Calibers business increased over this time and they had multiple loans being processed. The office seemed to be moving slowly in acquiring documents, increasing the time in the closing of our loan. Even after formal Approval the underwriter continued making additional requests increasing the length of escrow time. This became my problem when the lock-in rate which I had been led to believe was not a concern, elapsed. I was not told that this was to elapse but I saw later that it was written down - my loan officer failed to inform me. 

In the final week I received DocuSign loan documents which I did not sign when I saw the loan costs had increased to over {$12000.00}. This included {$4500.00} in estimated real estate taxes and property insurance. This was never discussed with me and I talked with XXXX saying this was NOT what XXXX had talked about and must be a mistake. He said he thought he had seen something irregular in the loan costs and not to concern myself with it. 

My initial closing costs jumped from {$4000.00} to {$12000.00} on XX/XX/XXXX and finished with {$15000.00} at closing and this no longer contained the original {$4500.00} in taxes and insurance- it was mainly fees. I again inquired about the previously mentioned increased fees, and XXXX said XXXX had said there was nothing to be done at this point and that Caliber was actually losing money on this refinance. Market interest rates seemed to be rising and I was not going to take a chance and go through this process again. 

I believe there was a lack of integrity, honesty and straight forwardness. We were charged much, much more than we were lead to believe and if Caliber had not been so busy with other loans, and had processed the loan within 60 days as discussed, we would have had an interest rate of not more than 2.65 % and much 1/2 in loan costs. 

In the end of all of this I should have only had to pay 50 % of what I actually paid. I am thoroughly not happy with the ending here. I believe they owe me {$7500.00} in which they overcharged me. I was planning on this extra money to pay off loans and why I originally sought to refinance.
Product: Prepaid card

My Serve prepaid debit card account was closed. In this account I had funds confiscated without cause. Nor was I able to get any honest and forthcoming answer as to why my account was closed or when the funds would be returned to me. I have asked on numerous occasions for copies of or access to my billing statement. To this day I have not received anything.
Product: Credit reporting or other personal consumer reports

Equifax, XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers ' nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies Equifax and XXXX do not have my consent to furnish this information and they surely do not have my written consent. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law.
Product: Checking or savings account

COVID 19 cut my extra income down and had problem with overdraft and forgiveness stopped have since been able to maintain budget and working on savings to get back to pay off but still some gaps that having a couple extra dollars will help to close
Product: Credit reporting, credit repair services, or other personal consumer reports

I send a reinvestigation letter to Experian, XXXX, and XXXX pertaining XXXX XXXX XXXX account on my credit profile. I also complained to CFPB about the inaccuracy and damages that these credit reporting agencies have done to my credit report. The response I received from XXXX, XXXX, and Experian was that the inaccuracy on my credit report was verified. I was not given any information on how this inaccurate reporting is verified, and what was investigation methods used to verify the information. I am still left with my credit hurting with inaccurate information. Down below you will find the letters I have received from XXXX and XXXX. Experian did not respond to the investigation which is a violation of the company have 30 days to respond and they failed to do. Also, I included the next set of letters mailed out to the credit agencies below requesting some answers and accountability and deleting the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I traded in my XXXX XXXX for an XXXX in XX/XX/2022. My delivery was delayed because I had a medical procedure in XXXX and to make matters worse my wife was diagnosed with XXXX and needed to quarantine which further delayed delivery. The new vehicle was finally picked up on XX/XX/XXXX which created a 30 day late on my XXXX, XXXX and TranUnion credit reports. Prior to this, my credit scores were all in excess of XXXX. I reached out to XXXX XXXX who financed my XXXX XXXX and requested a goodwill adjustment because I never had a 30 day late with them and they refused any accommodation after speaking with 5 different individuals. My request for a goodwill adjustment was due to extenuating circumstances as mentioned above. The XXXX XXXX was paid off on XX/XX/2022 as per XXXX own records which is attached to this complaint. My payments for the XXXX XXXX are due on the XXXX of each month. As is clearly evidenced by the attached transaction report the car was paid off prior to the XX/XX/2022 due date. XXXX not only reported a 30 day late in XXXX but also reported the account as 30 days late in XXXX which is IMPOSSIBLE because the car was paid off prior to the XXXX payment due date ( XX/XX/XXXX ). XXXX has yet to correct their error which has further deteriorated my excellent credit ratings with all three credit reporting agencies. Furthermore, as evidenced by the attached XXXX account statement, my account is currently listed as past due which is outrageous. In addition, my XXXX report is showing the account as 60 days past due TWICE ( screenshot attached ). This has caused extensive damage to me personally and I demand that this erroneous and derogatory information be deleted immediately. I have tried to dispute this inaccurate and damaging information with all three credit reporting agencies but their online dispute portals will not allow me to attach documents.
Product: Debt collection

This company continues to harass me about a debt I know nothing about that was sold to them by a XXXX XXXX which I never opened an account with. Asked numerous times for them to provide me documentation but nothing ever arrives. The only thing they send is a bill over and over. Im frustrated.
Product: Checking or savings account

My name is XXXX XXXX. I am sending this email here because I have exhausted all my other options. I have pleaded with Chase, opened cases, opened disputes and investigations to not availability. I have only been hitting dead ends. 

I am in dire need for someone to help me. On XX/XX/2023 while I was at work in XXXX New York, I had {$37000.00} stolen from my bank account which I never consented. My card was in my possession at the time of this cyber robbery. I took immediate action the second I saw something was wrong. The money was withdrawn in XXXX, New York through ATMS, CHASE BANK & Money Orders at USPS. Additionally even my cellphone was turned off because someone stole my phone number, which prevented me from getting notifications from CHASE. My manager wrote a letter stating I was at work during this time, I also sent this letter as well as my work schedule. I sent all evidence I had to chase and they refuse to return all the money that was stolen from me. 

I attempted to find a financial lawyer, I made a police report and am currently awaiting camera footage for over a month. Its extremely hard to get a lawyer to pay when I have existing expenses that I can not cover because my money was stolen. 

I have been a loyal Chase customer for years and I am appalled at how I am being treated. I am a legal XXXX who is trying to go to school for a better life, I am a woman, I am a human, this was my savings and it is gone. My life is completely destroyed. I am asking for someone to please listen and help.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be advised over the past 4 months I have filed 4 complaints and this is my FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance. Despite two written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. PLEASE DELETE THE XXXX XXXX  ACCOUNT OF {$310.00} FROM MY CREDIT FILE IMMEDIATELY.
Product: Mortgage

I have requested NJ LENDERS to forward a receipt of payment for the XXXX refinance of my XXXX original purchase XXXX XXXX XXXX XXXX mortgage and NJ LENDERS has not produced anything at all that shows the amount that was paid to XXXX for the refinance. Records show the mortgage was not satisfied and not discharged. XXXX achieves was searched and no records were produced. Take a look at the attachment " SAID MORTGAGE '' I received the page titled Corporate Assignment of Mortgage from NJ LENDERS as part of their response. Please explain how I can sell a fictitious property address that also has fraudulent title insurance. The subject premise is XXXX XXXX XXXX XXXX, XXXX. The records appear to be designed to confuse those who read the documents. NJ LENDERS HAS BEEN REQUESTED MANY TIMES TO PRODUCE RECEIPT OF PAYMENT PAID TO XXXX AND HAS NOT PRODUCED A THING TO SHOW A DOLLAR AMOUNT PAID TO HCSB FOR THE XXXX REFINANCE OR THE SATISFACTION AND DISCHARGE OF MORTGAGE. TAKE A LOOK AT THE ATTACHMENT " SAID MORTGAGE '' IT NOT CONFUSING AT ALL WHAT IS GOING ON HERE. How do I sell my house when the mortgage is NOT for my address and the survey and the title insurance DO NOT even come close to the deed location? There are far too many discrepancies to believe that they are mistakes. PLEASE PRODUCE PROOF OF PAYMENT TO XXXX. I AM NOT ASKING FOR A PILE OF UNREQUESTED PARER WORK I REQUESTING PROOF OF PAYING OFF MY ORIGINAL XXXX MORTGAGE. HOW DO YOU EXPECT ME TO SELL THE HOUSE. ON TOP OF THAT SOMEONE FORECLOSED WHILE THE HOUSE WAS IN CHAPTER XXXX BANKRUPTCY PROTECTION. WHO HAS ALLOWED NJ LENDERS TO CONTINUE TO CONDUCT BUSINESS LIKE THIS?
Product: Credit reporting or other personal consumer reports

I am writing to formally address the ongoing noncompliance of your agency in relation to my identity theft report, which I previously submitted in accordance with the Fair Credit Reporting Act ( FCRA ). Despite having sent several letters, your agency has repeatedly rejected my identity theft report on the grounds that it was not filed by a law enforcement agency. This decision is not in compliance with the FCRA and fails to recognize the guidance provided by identitytheft.gov as mandated by the Consumer Financial Protection Bureau ( CFPB ). 

As you are aware, the FCRA at Section 605B and the guidance provided by the CFPB under identitytheft.gov clearly outline the process for filing an identity theft report. The CFPB specifically states that victims of identity theft can file a report directly through identitytheft.gov, which then becomes a valid identity theft report under the FCRA. Nowhere does the FCRA require this report to be submitted by law enforcement for it to be valid.

Furthermore, under FCRA Section 617, your agency is legally required to investigate and resolve any identity theft dispute in a timely manner, and you are prohibited from deciding unilaterally what is valid or invalid when it comes to an identity theft report that has been properly filed. Your refusal to acknowledge this report based on your own standardsrather than what is set forth in federal lawis a clear violation of the FCRA.

Legal Precedent : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX. XXXX ) : This case underscores the importance of proper handling of disputes related to credit reporting and emphasizes that credit reporting agencies can not disregard information simply based on their own internal policies when federal law mandates a specific process. 
XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXXXXXX XXXX XXXXXXXX ) : This case reinforced that credit reporting agencies must follow FCRA regulations, including investigating claims of identity theft in accordance with the law, and can not arbitrarily determine what constitutes an acceptable identity theft report. 
XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX ( XXXX. XXXX XXXX ) : This decision clarified that a credit reporting agency is obligated to accept documents submitted by the consumer, as long as they meet the legal requirements for disputing inaccurate information under the FCRA. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

This letter is being sent to you in response to a listing on my credit report from CREDIT CHECK TOTAL. Be advised that this notice is sent pursuant to the Fair Debt Collection Practices Act, XXXX XXXX XXXX ( Sec. XXXX ) and that this claim is disputed and validation is requested. 
I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of the authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. 
I ask you to provide the following information : 1. Please evidence your authorization under XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX in this alleged matter. 
2. What is your authorization of law for your collection of information? 
3. What is your authorization of law for your collection of this alleged debt? 
4. Please evidence your authorization to do business or operate in this state. 
5. Please evidence proof of the alleged debt, including specifically the alleged contract or other instrument bearing my signature. 
6. Please provide a complete account history, including any charges added for collection activity. 
Your failure to respond, on point, in writing, hand signed, and in a timely manner, will work as a waiver to any and all of your claims in this matter, and will entitle me to presume that you placed this on my credit report in error and that this matter is permanently closed. Provide the proof, or correct the record and remove this invalid debt from CREDIT CHECK TOTAL. 
For the purposes of XXXX this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. This Notice is an attempt to correct your records, and any information received from you will be collected as evidence should further action be necessary.
Product: Credit reporting or other personal consumer reports

Send a letter pointing out some failures in the collections since there were errors in the information. 
The companies continued to bother me by phone every day, affecting my integrity, I explained many times that there were errors in their information that I had already sent them a letter and they always denied that I had contacted them. 
I do not have an account with any of the companies that are in the collection of my credit and there is nothing that I have signed for them since they used my information and did not respond to the letter that I sent them more than 4 months ago. 
XXXX XXXX XXXX  {$350.00} Jefferson capital syst {$1400.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I found fraud inquires on my credit report at TransUnion and XXXX. Tried to call them, but they refused to wipe this inquiries
Product: Credit reporting, credit repair services, or other personal consumer reports

You guys only removed 1 of the XXXX XXXX XXXX XXXXXXXX accounts when there were 2! So one account for XXXX XXXX along with her address in XXXX XXXX Mn needs to be removed from my credit report as well. I dont understand the stupidity of this company.How was this not taken care of????
Product: Credit reporting, credit repair services, or other personal consumer reports

I greatly appreciate the Credit Bureaus ' efforts to remove some of the information from my Credit File that resulted due to Identity Theft and I am grateful for what they have done. however I see here that there are still remaining items in which I believe were also opened due to Identity Theft. According to the Fair Credit Reporting Act section 605b, the Credit reporting agencies are required to remove any accounts and information that resulted due to identity theft. The following items must also be removed as they too are the result of the Theft of my Identity : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX Balance Owed : {$240.00} XXXX XXXXXXXX Balance Owed : {$220.00} XXXX XXXX  XXXX  Inquiry Date XX/XX/XXXXXXXX XXXX XXXXnquiry Date XX/XX/XXXX XXXX XXXX  XXXX Inquiry Date XX/XX/XXXX XXXX  Inquiry Date XX/XX/XXXXXXXX XXXX XXXXXXXX Inquiry Date XX/XX/XXXXXXXX XXXX XXXXXXXX Inquiry Date XX/XX/XXXX. I am, once again, appealing to the Credit Bureaus to take another look at my Credit File and investigate whether the reported items are factual and remove these items if unable to prove.