23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I would like to dispute certain records in my credit file that do not belong to me, that I have signed any agreements, and that I have been the victim of identity theftall of which seem to be unaddressed. The things I'm disputing are unrelated to any transactions I've completed or approved in order to obtain goods, services, or cash. Kindly take out the following items. 
XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX, IN XXXX ; XXXX XXXX XXXX XXXX, IN XXXX ; XXXX XXXX XXXX XXXX, IN XXXX ; XXXX XXXX XXXX XXXX, IN XXXX ; XXXX XXXX XXXX, IN XXXX ; XXXX  XXXX XXXX Balance Owed : {$330.00} ; XXXX XXXX Balance Owed : {$240.00} ; XXXX XXXX XXXX Balance Owed : {$9700.00} ; XXXX XXXX Balance Owed : {$740.00} ; XXXX XXXX XXXX XXXX XXXX Balance Owed XXXX {$10000.00} ; XXXX XXXX XXXX XXXX Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$7400.00} ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Product: Credit card

I called and made a dispute and I didnt authorize the transactions. They are telling me they can not assist me. I just lost my money.
Product: Debt collection

This company keeps calling me - today they called my work phone and I answered the phone right away - when I picked up - they hung up on me, then turned around and called my cell phone obviously knowing Im at work, picked up said who I was and they hung up. this is unacceptable to call someone and hang up on them, and then call their cell phone - one you knew I was at work so could not call and 2 why call and hang up?
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has several issues on my credit file which are XXXX XXXX/XXXX XXXX # XXXX I was not past 30 days in XX/XX/XXXX or XX/XX/XXXX and have proof on my bank account when payment was taken. This needs to be removed ASAP Several accounts have late payments listed when payments were deferred due to a natural disaster remove all late payment remarks on the accounts I have requested several times and nothing has changed and the reports back state Experian has done nothing as it states on the accounts item was updated and a date which I disputed recently nothing has been addressed XXXX/XXXX  XXXX Unknown account, how did your company verify this? 
XXXX XXXX # XXXX Unknown account, how did your company verify this? 

There are also several names which do not belong to me XXXX XXXX, XXXX, XXXX
Product: Vehicle loan or lease

VW Credit XXXX is reporting this account like still active when in XX/XX/2020 it was declared total lost due to an accident that I had on this car and my insurance and the XXXX  payoffs the remains of the loan. Now after XXXX years this account reappears sold to a third party without legal rights nor my knowledge. It's the total balance of the loan XXXX which was at that time the total amount on the loan. I called VW Credit and they said that they don't have any information on that account since they sold the loan to a third party.
Product: Mortgage

I used the HERO Program to have XXXX and new windows installed in my XXXX home in XX/XX/XXXX ( XXXX ) and XX/XX/XXXX ( windows ), respectively. My total financed was {$18000.00} for 10 years. A yearly total of {$2600.00} was added to my property tax with XXXX XXXX County tax assessors ( totaling an additional $ XXXX/mo ) and is to be paid through my escrow account through my lender, Lakeview Loan Servicing , LLC ( also known as XXXX ). As I have an FHA loan on my home, I am required to pay my property taxes, PMI and homeowner 's insurance through an escrow account. On XX/XX/XXXX, Lakeview sent me an annual escrow account disclosure statement identifying that I am required to either pay an additional {$440.00} per month ( totaling $ XXXX/year ) or pay a one-time shortage payment of {$3000.00} ( due by XX/XX/XXXX ) and also pay an additional {$190.00} per month ( an additional $ XXXX/year ) totaling $ XXXX/year. I called Lakeview to get an explanation as to why they are requiring me to pay almost double the HERO payment and was not provided a reasonable explanation. I was told the reason XXXX is charging me {$5300.00} to pay HERO amount of {$2600.00} is that they have three different departments completing complex calculations to determine what the lender requires in my escrow account. That was the explanation for Lakeview requesting an additional {$2600.00} from me. I can not afford that.The reason I did HERO was because it provided me a tax credit that helped offset my tax liabilities as a single woman, with no children living in one of the most expensive areas of the most expensive states in the Country. I can not afford a $ XXXX/mo increase on an FHA loan. I could barely afford the {$220.00} - but since my old windows didn't lock and summer gets 109 in my area, I felt it necessary. Why is Lakeview legally allowed to charge me double the amount of the HERO Program loan?? This is federally backed program and participants should be able to participate without a predatory mortgage lender using it to double payments. Especially with an FHA loan. Lakeview KNOWS I am required to pay my taxes through an escrow account. They know I am trapped and that is why they are doing this. My only options are to borrow money ( somehow? ) to pay off HERO and then have to re-fi my home to pay off borrowed money, losing my HERO tax credit in process and my FHA interest rate or lose my house altogether since I now can not afford the payment. I believe Lakeview needs to be looked into for predatory practices. I also would like to note that Lakeview bought my mortgage - I did not CHOSE this company.
Product: Credit reporting or other personal consumer reports

Subject : Request for Reinvestigation and Immediate Deletion of Incorrect Account Reporting Dear Experian, I am writing to formally dispute the reporting of the following account : Creditor : XXXX XXXX XXXX Account Number : XXXX This account has been reported as a collection/charge-off, negatively impacting my credit score. I have XXXX of the same account with the same account number but different balances, the reporting contains incorrect and inconsistent information. Specifically, I still see a balance on the account despite its charge-off status. Additionally, there is a past due balance being reported, which contradicts the charge-off designation. As you are aware, this is a violation of reporting guidelines. 
I request an immediate reinvestigation of this account and a correction of any inaccurate or incomplete information. If you can not verify the accuracy of the reported details, I demand the immediate deletion of this account from my credit report to ensure compliance with fair reporting standards. 
Please provide a detailed response regarding your findings and any actions taken. I appreciate your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 4 incorrect things on my credit report. I have 1 collection from XXXX XXXX and one charge off from XXXX XXXX. This is against my rights. I shouldn't have several accounts from the same source. I disputed XXXX for XXXX on my account because balance is extremely high and was told balance was correct but no proof of what what being charged to me was shown to me. I had an account with XXXX and financed a phone for XXXX, plan was month to month no early termination fee and no finance fees. Why am I being charged over XXXX dollars? I have a negative charged off account for XXXX from chase. They are reporting balances and past due incorrectly. I want all 3 negatives removed including the extra negative report from XXXX XXXX.
Product: Mortgage

My name is XXXX XXXX. Me and my husband, XXXX XXXX, are co-borrowers on a mortgage which secures our house located at XXXX XXXX XXXX in XXXX, XXXX 

In XXXX, BSI Financial acquired my home mortgage loan and sent me a bill for {$1100.00} for " forced-place insurance '' which they included in the escrow portion of my monthly mortgage payment even though I was already paying a homeowners insurance company a monthly premium. I sent a copy of my insurance policy to BSI to show them that I was already paying my insurance premiums. Despite having received my homeowners insurance policy, BSI continued to charge me anyway for the next XXXX years, from XXXX, by including the lender-placed insurance into my the escrow portion of my mortgage payment. I was ultimately charged {$3500.00} over the period from XXXX to XXXX. 

In XXXX, by mortgage loan was transferred from BSI to XXXX XXXX. Like BSI, XXXX XXXX also sent me a bill for {$1200.00} for " forced-place insurance '' which they included in the escrow portion of my monthly mortgage payment even though I was already paying a homeowners insurance company a monthly premium. I sent a copy of my insurance policy to XXXX XXXX to show them that I was already paying my insurance premiums. Despite having received my homeowners insurance policy, XXXX XXXX continued to charge me anyway for the next XXXX years, from XXXX, by including the lender-placed insurance into my the escrow portion of my mortgage payment. I was ultimately charged {$2500.00} over the period from XXXX to XXXX. In addition to imposing lender-placed insurance on me, XXXX XXXX XXXX XXXX to pay my property taxes in XXXX, leaving me vulnerable to foreclosure by the City of XXXX. On XX/XX/XXXX, I received a Notice of Non-Payment of Property Taxes from the City even though it is not my responsibility to pay the city. It is XXXX 's responsibility to pay the municipal property taxes because they include this in my mortgage payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 9th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This account is reporting with a past due balance. Its also reporting as charged off every single month. The date of last payment is being reported on XX/XX/XXXX. However with XXXX, its reported as XX/XX/XXXX. A well as the date of last activity is reported as XX/XX/XXXX with XXXX its reported XX/XX/XXXX, and XX/XX/XXXX with Experian. They are updating the BALANCE on my account every month, causing this account to be on my credit longer. This is violating my FCRA rights, as this is not a fair and accurate depiction of my creditworthiness. They are also reporting prior months inaccurately.
Product: Mortgage

We suffered a flood which resulted, after several months, in an insurance payment. The insurance proceeds required endorsement of the Mortgage Company and the check was received by the mortgage company on XX/XX/2021. Mortgage company has been opaque in its communication, having failed to provide their procedures and refusing to communicate. Repeated calls to the " Loss Draft Department '' result in rude non-answers and the various representatives seem intent on continued delay. Despite having received the requested documents on XX/XX/2021, we were advised in a follow up call on XX/XX/2021 that additional information was needed. That information was immediately provided notwithstanding the mortgage company 's failure to follow up and request the additional information they desired. 

Initially, we were advised that this would be resolved by XX/XX/2021. On XX/XX/2021 the representative now advises that the " quick endorsement '' would likely not be completed until XX/XX/2021.
Product: Credit card or prepaid card

I want this late payment deleted from my account within XXXX days, this is not mine, I'm not aware of this, Under USC 1666b. 

XXXX. XXXX Account XXXX : XXXX XXXX days late in XX/XX/XXXX. 

XXXX. XXXX Account XXXX : XXXX XXXX day late in XX/XX/XXXX. 

XXXX. XXXX Account XXXX : XXXX XXXX days late in XX/XX/XXXX. 

XXXX. XXXX Account XXXX : XXXX XXXX days late in XX/XX/XXXX and XX/XX/XXXX XXXX. XXXX Account XXXX : XXXXXXXX XXXX days late in XX/XX/XXXX.
Product: Checking or savings account

XX/XX/XXXX they charged monthly maintenance fee always every month I went to the bank every couple years ask to refund my money they just refunded for a month & they charged me again I used to have also business account they double charged every month they dont refund any of my money back
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian 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 : LIST OF ACCOUNTS TO BE REMOVED ONLINE INFORMATION SER ( Original Creditor : XXXX XXXX XXXX ) XXXX BALANCED {$1300.00} Chapter XXXX Bankruptcy XXXX XXXX XXXX XXXX  XXXX Reference # : XXXX XXXX XXXX XXXX XXXX BALANCED {$1100.00} This account has resulted in several 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 account. I do not recognize the aforementioned account, as reported. The aforementioned account, appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned account is 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 account is the result of identity theft and fraud.
Product: Checking or savings account

Friday XX/XX/2023. I bought a door frame from XXXX 's for {$390.00}, turned out it was the wrong door. So took it back and was refunded {$390.00} from XXXX 's. I then bought the right door for {$390.00}. I checked my bank account and it showed {$390.00} for the first door bought then it showed {$390.00} returned from XXXX 's because of the door I returned and the account showed where I bought the second correct door for {$390.00}. So the money was taken out and then returned and was taken out again. The next day I looked at my account and there were 2 charges of {$390.00} for a total of {$780.00}, it did not show where XXXX 's had returned the {$390.00} nowhere on my account, not even in the pending section. Regions was just sued and lost for manipulation of customer accounts collecting overdraft fees. Of whitch they have do to me over the last 35 years numerous times. They are still doing the same thing. I have never seen not XXXX XXXX from all the lawsuits. I want XXXX XXXX dollars in compensation from them for bank fruad.
Product: Debt collection

The company was hired to collect a debt that I do not owe. I traded in my car in XXXX to a dealership and the car was sold through an auction. The car was later towed and stored at said company. Then debt was then sent to collection company and they try to collect from me. 
XXXX - trade in car XXXX - car became dealer inventory XXXX - dealer serviced vechile XXXX - Vehicle sold an auto auction XXXX - tow company got car XXXX - collection agency contacted me XXXX - i contact and inform situation - had letter from dealership also sent XXXX - collection agency contact again via mail - sent mail to family 's house XXXX - contact and person on phone was rude and did not want to talk to me about the situation besides wanting to collect the debt and told me to talk to his boss about lowering the amount and pay - told him no i will talk to boss about situation, told me that he had to go because there is other calls comiung in and hung up - before haning up asked about my personal business / home - told me that lien will be put on property
Product: Credit card or prepaid card

I filed a chargeback against XXXX XXXX XXXX XXXX for misleading advertising. The apartment they provided was did not match what they advertised and was not habitable according to California tenant laws. 

When the company found out that I had filed the chargeback, they immediately sent the amount to collections, even as the chargeback was pending. This violated the Fair Credit Billing Act.

I tried to explain to American Express that the company had violated my rights as a consumer filing a chargeback, yet Amex ignored these pleas and rejected the chargeback. 

Now I am facing a debt collection agency trying to collect the money from me and trash my credit while simultaneously having paid the full sum through my Amex card and not getting a refund from Amex. 

The problem was made even more weird by the fact that Amex approved one of the two chargebacks I made against this company for a smaller amount, for {$750.00}, that they charged separately, but not for this bigger transaction of {$7300.00}. Both were charged on XX/XX/2022.
Product: Debt collection

On about XX/XX/XXXX I contact XXXX XXXX XXXX, My loan officer prior to closing a refinance deal on my home said I had a lien with a creditor XXXX XXXX XXXX from XX/XX/XXXX when I filed for bankruptcy in XX/XX/XXXX. After receiving my updated information and SSN # there has been repeated attempts to close this case and bring it to an resolution and they will not return my calls. I can not close on the refinancing of my home and it's holding me up. XXXX XXXX is my contact person. Can you please up me in dire need
Product: Payday loan, title loan, or personal loan

The account was paid in full via my bank and confirmed. However, they have send me a statement received today with the incorrect balance. Attempts to reach them useless. Zero balance PAID should be reflected on credit report.
Product: Mortgage

I have recently received a certified letter from my mortgage lender indicating that I  may  be foreclosed upon soon. However, for the past 5 years I have been in a Chapter  XXXX  bankruptcy and all payments have been made through the  Trustee, who by the way has been attempting to MAKE the mortgage servicer Ditech  refinance my loan due to the high interest rate, however they continued to indicate the application was incomplete and refused to refinance. I have a statement from a month ago indicating that my loan was not only up to date but paid ahead, and I have an email from my loan servicing stating verbatim, that they doubled my escrow account balance when they put the loan on their system and they owe me over {$12000.00} and was supposed to send me a refund, therefore, I asked my attorney to dismiss my bankruptcy, which he did. Not more than a week later, the loan servicer reversed all payments from the account and according to my online access they state I am past due over {$43000.00} and they have recently sent me foreclosure warnings. I have telephoned them over the past few weeks and spoken with representatives over a recorded line at work where all calls are recorded where they have admitted that someone has done something wrong and needs to be corrected, however I just received a certified letter from the lender,  Ditech  with regarding to possible foreclosure. In addition, in that same week after they reversed all payments they updated my credit report as being past due on my home loan and my score dropped from  XXXX  to  XXXX . In addition, they claim they have advanced {$44000.00} but no one can tell me to whom they paid these funds.
Product: Debt collection

I have a debt with Jefferson Capital LLC. They bought my original debt from XXXX XXXX. The original debt amount is XXXX. Today XXXX I called Jefferson Capital to settle my debt. The rep whos name was XXXX talked to me. He read me disclosure, reparated debt to me and asked if I could pay full amount I said I dont have full amount but I could pay XXXX. He checked with his imaginary manager and said ok. He asked how would you like to pay. Before I decided to pay I asked for a settlement letter by email so that I can have in writing our agreement. He said his company dont do that because of the offer was not the original offer and after I pay Id get an email within 24 hrs. We went back in forth. I end up  hanging up after he kept lying to me saying he couldnt provide a debt settlement letter. I need help with this issue and for them to provide me with the debt settlement letter in writing for the XXXX so I can pay and move on.
Product: Debt collection

In XX/XX/2019, I received a letter from the company XXXX XXXX XXXX , XXXX, of XXXX XXXX CA that they are charging me the amount of {$48000.00}, of a suspicious debt from First Technology FCU of which I have never been notified, that I do not recognize it And I don't know who? or what is it?. Before this letter, people from this company called me and asked me to speak in Spanish as it is my first language and they refused, insulted me and hung up the phone without giving me an explanation. Now I receive this threatening letter and I am not given details of what it is? Prior to this incident I have an identity theft reported more than a year ago with First Technology FCU who have never told me what happened, what research was done, they never wrote to me and I never knew how it happened? Or what happened? Nor did they explain to me how this debt came to my accounts for the amount of {$73000.00} dollars, how the bank lowered it to {$48000.00} and how this happened electronically in my personal accounts at the bank. I ask you to help me because I made a complaint in the police for identity theft and also report it and now I receive these threats without explanation.
Product: Credit reporting or other personal consumer reports

I was advised by a XXXX and XXXX rep to fill out this report because of unauthorized inquiries in my report, please remove all these Fraudulent Unauthorized inquiries on my report. 

Please remove all the fraudulent unauthorized inquiries on my report. Thank you for your help, this is hurting my credit card and reporting false information to future creditors. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle handling disputes, particularly in disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams.This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.