23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

My new mortgage servicer, XXXX XXXX has been sending letters saying they needed proof of my homeowners coverage. I provided this information to them on XX/XX/XXXX and XXXX following a letter they sent each time. My loan originator XXXX XXXX  also confirmed they sent them a copy of my homeowners insurance policy. 

I confirmed with XXXX insurance that they are listed as the mortgagee - XXXX XXXX was actually the ones who changed this on my policy. XXXX which is the company they want to be listed on the policy is there and present. I can't reach anyone on the phone to resolve this. 

On XXXX I received an e-mail from XXXX XXXX that they had purchased a second Hazard policy on my behalf through XXXX XXXX in an amount of {$3500.00} that I am now liable for apparently. I again sent them a copy of the policy that names them as the mortgagee that they already requested from XXXX directly on XX/XX/XXXX. This seems like some kind of a scam for them to purchase insurance on their own and stick the homeowner with the policy ( which is almost double of what I already paid out of pocket for with XXXX ).
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently, a Lender informed me that a Closed automobile loan on my Transunion Credit Report contained an INACCURATE Derogatory Remark ( See Attachment 1, Excerpt from my current Transunion Credit Report ) ; The INACCURATE Remark reads as, Ch XXXX Reaffirmation of Debt. In XX/XX/XXXX, I filed a Chapter XXXX Bankruptcy, which is now 9 years and 7 months old ( See Attachment 2, Excerpt from my current Transunion Credit Report ). During my Ch XXXX Bankruptcy filing in XX/XX/XXXX, I Reaffirmed this Automobile Loan ; I did not miss a payment Pre-Bankruptcy or Post-Bankruptcy filing. In XX/XX/XXXX ( 7  years ago ) I paid this Automobile loan IN FULL, at that time it was no longer a Ch XXXX Reaffirmed DEBT, but became a PAID AND CLOSED account. Both my XXXX and XXXX Credit Reports DOES NOT show this REAFFIRMATION OF DEBT remark on this same account. I disputed the deletion of this remark, on this account with Transunion some years back, and thought it was taken care of. Apparently the remark was not deleted, or maybe it was placed back on the account. This Credit Account is VERY IMPORTANT to my Credit Profile, it is my oldest ( 13 years ) GOOD STANDING credit account.
Product: Mortgage

On    X/XX/2017      I received a call from a representative of  OCWEN Loan Servicing i ndicating my loan was in default. I had no idea what he was talking about. He told me that my escrow account was short, I believe  XXXX  or  XXXX   XXXX  dollars. I had never heard of such with a loan so old (  XXXX   years old  ). One of the most confusing things about the conversation was he, the representative, could not tell me how he arrived at that figure. Usually the mortgage company will send a copy of the escrow account with how all accounts have been paid, if there are shortages, and when they are due.     Finally, after I saw he could not explain himself, I requested a copy of escrow account to be faxed to me. It took a while for him to get the information. I 'm sure they have procedures in place, but it took him a while to get it together. After a while I told him to fax it to me when he got the documents I needed.     However, I did receive the fax. After I reviewed the escrow account, I could not understand how they came to their conclusions. So, I called for explanations. There were none, that I could understand. I asked several times ; how did you come up with these projections. I was told RESPA allowed them to use projections but he could not tell me by how much. I kept asking, what 's the criteria for the increases? That question never got answered. I know a {$4000.00} projection or {$400.00} a month is unreal, on this property for sure.     Bottom line, my taxes and insurance have been consistent for years. Maybe a little increase here or a little there due to an increase in insurance, but never to the point that payments are increased by {$400.00} a month. That does not make any sense to me.     Not only did my payments go up, but my account is now delinquent. That has never happened before.     Maybe it 's because I have a low balance and in a good neighborhood, and maybe they are using increased escrow as an excuse to cause problem s. OCWEN Loan Servicing bought thi s loan a few years ago. Until now everything has been pretty good.
Product: Mortgage

XX/XX/2024 escrow shortage of {$680.00}, increased monthly payment. This has never happened before in the 12 years I have owned my home. This happens many times with my new lender, Mr Cooper. 

XX/XX/2024 Escrow shortage again almost {$600.00}, increased payment, never sent a notice or email but they responded that they did. 

This is happening to many people with this particular lender.
Product: Debt collection

I had my info hacked as a result of identity theft, result being I received a bill from XXXX for services in XXXX. I have filled out all the forms and send copies of all pertitent info on this bill and mailed to Credit Collections Service of XXXX.I have not heard from this collection service since?
Product: Debt collection

Consumer Financial Protection Bureau ( CFPB ) Consumer Response Center XXXX XXXX XXXX XXXX, IA XXXX Subject : Formal Dispute of Inaccurate & Unfair Credit Reporting Army/Air Force Exchange Account To Whom It May Concern, I am submitting this formal dispute regarding an inaccurate and unfairly reported collection account from Army/Air Force Exchange ( Account XXXX XXXX XXXX XXXX that appears on my credit report. This account is being reported with incorrect information, violating my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Additionally, I believe this account was fraudulently accessed due to a data breach, further supporting my request for its immediate removal from my credit report. 

Reasons for Dispute & Violations of the Law 1. Incorrect & Inconsistent Reporting ( FCRA 1681s-2 ( a ) ) The account history contradicts itself. It shows unknown ( X ) payment ratings for XXXX consecutive months ( XX/XX/year> XX/XX/year> ) before suddenly being marked as transferred to collections in XX/XX/year>. This lack of reported delinquencies prior to collections status raises serious concerns about the legitimacy of the reporting. 
Furthermore, the account balance is reported as {$0.00}, yet still marked as a paid collection. If the balance was resolved, it should not be negatively impacting my credit report. 
2. Unverified Collection Reporting ( FCRA

1681b & FDCPA 809 ( b ) ) The creditor and collection agency failed to provide proper validation of the debt upon request, violating the Debt Validation Requirements under the FDCPA. The FCRA mandates that all credit information must be accurate, complete,
and verifiable. If Army/Air Force Exchange and the credit bureaus can not verify the validity of this collection, it must be deleted.

3. Failure to Properly Notify Before Collection Activity ( FDCPA 807 & 808 ) I was never properly notified about this debt before it was sent to collections. Under the FDCPA, a creditor must provide written notice before reporting a debt to collections. The failure to do so violates federal consumer protections.

4. Fraudulent Activity & Potential Identity Theft ( FCRA 605B ) I believe this account may have been compromised due to a data breach or unauthorized access. If my personal information was used fraudulently, this account should be removed immediately under FCRA 605B, which allows for blocking fraudulent accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

During late XXXX, early XXXX of 2021, I telephoned PenFed Credit Union about my personal credit card. My account was previously 60 days past due because I experienced medical issues that I had to shift my monies to ; however, I called and fully explained the issue. 

The representative ( lady, which the call can be replayed ) advised me that I had up until the last day of XXXX to make a payment then my account would be up to date. She later stated once I make a payment of {$160.00} in XXXX my entire account would be up-to-date. I made the payment of {$160.00} from my XXXX XXXX XXXX account as promised. Days later, I received notice from all three major credit bureaus that my status was further delinquent. 

Since all calls are recorded, someone should be able to replay the entire conversation.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my Follow-up request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$500.00} XXXX XXXX XXXX XXXX XXXX Balance : {$9900.00} XXXX XXXX  XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX  XXXX XX/XX/2023
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  accounts : ( XXXX ) XXXX XXXX XXXX # XXXX ( XXXX ) XXXX XXXXXXXX ( XXXX ) XXXX XXXX XXXXXXXX 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: Mortgage

Hello and thank you for your assistance. This is my 3rd complaint filed with PHH Mortgage, as they continue to misapply my mortgage payments. I have not yet received any response from my second complaint filed in XX/XX/2020. I have had phone contact with PHH representatives in attempts to verify that payments are properly applied. They seem unable/unwilling to correct the problem. In summary, my monthly payment is being applied to " principal only '', which is a misapplication and has resulted already in one late fee ( later reversed when I contacted them ). This company is impossible to deal with. I have paid my mortgage consistently on time throughout the life of this loan. I have attempted to make some Principal Only payments, but they were also consistently misapplied even though I am following their guidelines on how to submit Principal only payments. I do not believe PHH is acting in good faith with me and I request your assistance with this. Thank you very much, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX
Product: Credit card or prepaid card

On XXXX, I received an unsolicited U.S. Bank ReliaCard in the mail. The card contained my name and used a former address ( same location but new XXXX address change ). I contacted the Oklahoma Employment Commission who advised an unemployment claim had not been filed in Oklahoma but directed me to contact Colorado. Virtual directions were provided as to how to proceed with reporting and hopefully deactivating the card. A fraud alert has been filed with the credit bureaus, a fraudulent unemployment claim report was filed Colorado, Identity Theft Report was filed with the Federal Trade Commission and fraud report was filed with issuing agent U.S. Bank ReliaCard as US Bank was unable to be reached by telephone. An email was sent to XXXX to address deactivation ( per form instructions ) and prevent the individual/s who filed the fraudulent claim from requesting a lost or replacement card using my information. Thank you for your attention to this matter.
Product: Credit card

Yes, I'm not sure how you guys have found my database or whatever it is but i got a phone call from this number asking me to XXXX XXXX if i want to sign up for the credit card or whatever it may be. i don't want you guys to call me and this needs to be reported to the IRS and I work for the government and I don't want to give out too much information about who am I but i wont answer your phone call ... only by email. 

Your phone number that I was contacted by : XXXX
Product: Debt collection

I have tried to work through XXXX and XXXX to remove an invalid debt for over 4 months, and have been rejected through the re-investigation process. The company, AFNI INC, is a well-known predatory debt collection " company '' that creates false debts, sends them to credit reporting agencies, and makes dozens of harrasing calls each day to their " customers ''. The debt they have reported with XXXX XXXX XXXX for {$410.00} does not exist, as I have confirmed with XXXX XXXX XXXX that no such collection was filed. With the smallest amount of online research, I was able to find out that AFNI uses these false debt collection practices on thousands of Americans every year. It 's predatory bullying at it 's worst and the exact reason the CFPB exists. I have spent hours trying to get XXXX and XXXX to remove this FALSE collection from my reports, but they have not taken them time to research AFNI and see that they are a SCAM. I am now urging the CFPB to do whatever is necessary to remove this false debt from my credit reports. I have exhausted every remedy that was suggested to this point of working through the credit reporting agencies. Please help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo XXXX regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes XXXX law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than XXXX business days after the date receipt by such agency of- ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report, ( XXXX ) the identification of such information by the consumer, and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as Equifax 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
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 XXXX XXXX XXXX XXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I am not a robot, I am no credit repair company, I am a human being please assure I am not given a generated code from the computer with this investigation thank you. 

To whom it may concern this credit breach has bought to my attention that over the past couple years that these accounts were fraudulently open without my knowledge. I am in total shock, depressed and more so XXXX off for the most part that I didnt receive any alerts over the years. To my knowledge I was never contacted or I never gave any one consent to open up any accounts on my credit. Ive mailed over several certified letters and I havent gotten any responses in more than 180 days. I have contacted the state attorneys office and I have filed papers looking to take legal actions because I was never contacted by no one. By law someone must contact me and get consent from me in order to open any accounts on my credit file. If I am not contacted then either the individual that used my identity nor the creditor has the authority to override any consent on behalf of my name or identity. I would like to know the steps that are taken to verify a consumer? By law it states you must verify correctly 100 % before an account can be placed on a credit profile. It puts the creditor at fault and several FCRA laws has been broken in this case. I have contacted my lawyer as if yesterday and we are taking legal actions considering what response we receive and the outcome of this situation. If this isnt fixed or I dont receive a response I will have my lawyer file legal documents immediately following this message response. I also contacted FTC & BBB. I am allowing 5 days to come clean and remove the accounts. Please look at the attached photos. 

Thank you for your time.
Product: Debt collection

This is a total scam company. That is attempting to ruin credit scores. We refused to rent at the XXXX XXXX XXXX. We asked for a refund. We were given a refund then sent to collections. We need this problem fixed scam company who I never rented at. Please help!
Product: Mortgage

We refinanced our home loan and have been paying monthly on time. The mortgage company did n't end the original loan and they keep sending us default letters and are reporting it on our credit report that we are in default. We have called the mortgage company 4 times, every time we get a loan default letter. They keep telling us the same things that the computer is spitting out these letters and making excuses. We ca n't get the mortgage company to make the status of the past loan paid off like it should be, instead they are reporting it every month as defaulted. We have XXXX mortgages on our credit report, XXXX we are paying on and XXXX that we are in default and should have been paid off. They are hurting our credit score by reporting a loan we no longer have and that it is in default. We are afraid that they will start the process of repossession on this loan that we do n't have anymore. What can be done?
Product: Debt collection

On XX/XX/XXXX at XXXX XXXX  a representative named XXXX called me stating he needed to verify my social security number for a business matter. I requested for him to disclose where he was calling from and he insisted that i needed to verify my social prior to. After explaining to him that he must disclose who and where he is calling from he stated it was credit control llc. He would not provide any further info regarding what the debt is. I requested he not call back. 

On XX/XX/XXXX at XXXX the same Representative called back requesting i verify my social again for a business matter. Again he did not disclose where he was calling from. He stated that he had my full social security number, my date of birth, and address. I told him if he had my address why have i not received any documents regarding said debt. He got annoyed and insisted that it was MY JOB TO UPDATE MY ADDRESS EVERY YEAR. I told him if he indeed has my info to send a debt validation letter and to not call back, that i would once received.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023, after carefully asking XXXX XXXX XXXX to validate this debt belongs to me that's showing up on my credit report. On XX/XX/2023, they sent back a copy of a Bill with an address I am not associated with. I have no knowledge of this address nor have I lived here. 

15 U.S.C 1681 section 602 A. States i have the right to privacy.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, a personal loan account opened at XXXXXXXX XXXX XXXX on XXXXXX/XX/XXXX under the account number XXXX, and a collections account opened at XXXX XXXX XXXXXXXX, XXXX on XXXX a balance of {$97000.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

Date : XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX Subject : Opt-Out Request Under the FCRA and 15 USC 6802 To Whom It May Concern : As a federally protected consumer under the Fair Credit Reporting Act ( FCRA ), I am formally notifying XXXX XXXX XXXX that I am exercising my rights to opt out of any and all authorizations, written or unwritten, verbal or nonverbal, that I may have previously provided to your organization. 



This request is being made pursuant to the provisions outlined in 15 USC 6802. I request that you cease any sharing, dissemination, or use of my information under these authorizations immediately. 



Please confirm in writing that this request has been processed and that no further action will be taken based on any previous authorizations. 



Thank you for your prompt attention to this matter. If you have any questions or require additional information to process this request, I can be reached Via Email Or the address that has been provided to you Sincerely, Federally Protected Consumer This request is being made due to recent concerns regarding the handling of my personal information and an unauthorized usage of the sharing of my personal data. I believe this is a necessary step to protect my rights and privacy as a Federally Protected Consumer