23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I recently refinanced my mortgage through XXXX XXXX XXXX. Prior to a payment being made to XXXX, my loan was sold to Freedom Mortgage Company. Although this should have been a seamless process, as I did not request nor initiate the sale, it has not been. After the first payment was made to Freedom mortgage in the amount of {$3100.00}, I received a letter in the mail stating that an escrow analysis was performed on my escrow account and a shortage was unveiled in the amount of ~ {$800.00}. After further review with Freedom Mortgage, the shortage was associated with missing homeowners insurance information during the transfer of the loan from XXXX XXXX to Freedom Mortgage. As a result, there would be an increase in my mortgage payment to {$3200.00} to cover the lender paid insurance that Freedom Mortgage was to purchase on my behalf. However, I was assured by Freedom Mortgage, that if I was able to provide them with the missing information ( insurance binder showing an active policy as well as proof of payment for the yearly premium ), my monthly payment would not increase to reflect the lender paid homeowners insurance. 

Following the guidance provided, I uploaded the required documents on XX/XX/19 and again on XX/XX/19 to XXXX XXXX XXXX using the PIN provided by Freedom Mortgage. I then requested a new escrow analysis to be performed on my escrow account to now include the following : A copy of the cleared check paid from XXXX XXXX XXXX directly to XXXX XXXX for the full amount of my annual homeowners insurance premium A copy of the XXXX XXXX XXXX binder showing my active insurance policy. 

Despite providing the requested information, my monthly loan payment was still increased to the {$3200.00} amount. I spoke with Freedom Mortgages escrow department on XX/XX/19 to obtain the status of my new escrow analysis request and to my shock, my request had been denied! Given that the only reason for the increase was due to my missing insurance information and that information and proof of payment has now been provided, as well as over {$6000.00} was disbursed into the escrow/paid to the insurance company at the sale of the loan. Therefore, I am baffled as to the reason why I am not being afforded the opportunity to have a new analysis of my escrow account. 

Attached to this submission, you will find : The final closing documents from XXXX XXXX ( Refi closed on XX/XX/19 and loan was sold to Freedom Mortgage XX/XX/2019 ) The original escrow analysis performed by Freedom Mortgage Mortgage statements Cleared check - Insurance premium payment to XXXX XXXX from XXXX XXXX County Taxes for the property Insurance Binder
Product: Mortgage

Ocwen Loan Servicing LLC have been over charging me for escrow account by {$4900.00} per year. I have talked to ocwen call center staff in XXXX numerous times to resolve this but they have not resolved this issue and they are not able to communicate in this regard.
Product: Mortgage

Loan # XXXX I am writing to report gross neglect in regards to This Short Sale. I commenced the Short Sale XXXX/XXXX/2014. I had spent many many months gathering information for the bank and all parties in the transaction had compiled with all of the banks requests. Wells Fargo have been slow to respond, they request the same paperwork stating did not receive. XXXX XXXX was the assigned rep several months ago and now states the file is gone to another dept. Yet again more delays and no resolution. While is shorts status the lender is proceeding with a foreclosure. With XXXX buyers it is my belief that wells fargo are intentionally trying to foreclose this property. We Have a current buyer in place and yet again Wells Fargo are not responding. 

Your Help would be greatly appreciated Thank you XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Due to medical issues, I fell behind on a credit card from Elan Financial Services. 
They offered me a settlement amount for less than what I owed. 
Included in that settlement was an agreement that the account was to be closed and marked as paid in full and that they would delete all negative remarks associated with the account. 

Upon review of my XXXX credit report, it is showing that the accoint remains open and 14 missed payments are showing on the report. This is contrary to our agreement.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX LUXURY CARS XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Product: Checking or savings account

Currently CapitalOne is not processing deposits made from paychecks to working class individuals such as myself. My money was scheduled to arrive Wednesday, XX/XX/XXXX, XXXX it is now Friday XX/XX/2025 and still no money has been deposited. It is thousands of dollars that are needed for various needs, travel expenses, updated travel needs that cost money with deadlines causing me to potentially lose tens of thousands of dollars in profits from lost clients, bills that are to be processed, have bounced and exponential late fees over thousands that have incurred through direct fault of the company. The money is also needed to have gas and food. I wont be able to leave work if the money does not get deposited. The undue hardship is causing severe issues with the pending snowstorm this weekend. It is causing relationship issues with my children. It is potentially goping to cost me my job if XXXX cant get gas.This is more than an inconvenience, it is theft, and creating legitimate hardships on myself and my XXXX children. I am a single father and I need the money that I sacrifice my time for. CapitalOne is the institution once again. Please note that I have reached out since yesterday and still have no resolution. Thank you for your time.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently I suspected that my identity has been stolen due to the amount of notifications I received about inquiries that I have no knowledge about. I also am aware that my information was exposed I about 2 different data breaches. XXXX data breaches, and XXXX  Data Breach. The breaches put my information at risk and resulted in fraudulent accounts being opened in my name. I have contacted this credit reporting bureau multiple times and requested an investigation to verify the inquiries listed in my complaint. I also ask them to remove these fraudulent inquiries in my consumer file that do not belong to me. They have not mailed me any results and have yet to contact me regarding this matter.
Product: Debt collection

Phoenix Recovery Group has put a collection on my credit report for a debt that I did not commit it was identity theft and I have told him several times and even sent over documents from identity theft police reports and identification and they refused to take it off my credit saying that the signatures match but of course if a person commits fraud and they have your information then they are able to forge signature when they have it in their presents and I explain this to them and they still use the signature match as an excuse to not remove the debt
Product: Credit reporting or other personal consumer reports

Pursuant to the Fair Credit Reporting Act ( FCRA, 15 U.S.C 1681 ), I hereby formally request the removal of certain unauthorized credit inquiries that have appeared on my credit report. After careful review, I have identified that the following inquiries were made without my express consent or in error : EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I hereby notify you that the information reported in my credit report contains errors. Pursuant to the Fair Credit Reporting Act ( FCRA ) section 611, I request that you initiate an investigation into the following entries that I believe to be inaccurate. 
My name correct : XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Experian, XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

Pursuant to 15 USC 1681a ( 2 ) ( B ) Any authorization or approval of a specific extentension of credit directly or indirectly by the issuer of a credit card or similar device should be excluded from a consumer report. The definition of a credit card under 15 USC 1681 is the same as it is under 1602 ( I ) which states, The term CREDIT CARD means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor or service on credit. Notice, Congress said ANY card. The credit card is my social security card. This is the credit card is used to originate every consumer credit transaction below. They should all be removed from my consumer report to 15 USC 1681a ( 2 ) ( B ). I am demanding that you remove theses transactions from my credit report immediately as they are a violation of my rights as federally protected consumer under title 15 chapter 41.
Product: Debt collection

A few years ago XX/XX/XXXX, ( unfortunately I ca n't remember the date ), I ordered XXXX. The service tech came, installed the product. Within a matter of days XXXX XXXX would n't work. At the cost of {$50.00} a tech came and fiddled around with the system got it working and stated that I will never get good reception because of the trees on my property. A couple of days later I called XXXX again because of no reception. Again, at the fee of {$50.00}, the tech stated I would need to have my trees removed to get good reception. I called XXXX XXXX and asked that they come and remove their system from my home. I called my previous carrier who showed up that very day to reinstall my XXXX XXXX. 
XXXX sent me a shipping box to send them back their product. I paid my remaining bill and felt assured they were now a part of my past. Since that time XXXX XXXX has been trying to collect {$410.00} from me. XXXX states that when I requested their service it was " understood '' that I was in a 2 year contract with them! I NEVER agreed to such a contract. They stated because I broke the contract, I owe them this money!!! 
I feel they owe ME money!! I never received the service from them that I paid for. I had it for less than a month and it was never explained to me that I was in a 2 year commitment with them. I recently received a debt collection notice from a collection agency. I called them, stated this information again and they stated they will notify XXXX of my dispute and I should hear back in 60 days. I have had this conversation over and over and over again with XXXX XXXX. From my last conversation with XXXX, I " understood '' they were closing this case and I did n't owe them. I was very surprised to receive a debt collection notice from a collection agency. 
I need your help to get them to STOP trying to collect money I DO NOT OWE THEM.
Product: Debt collection

I have no information or details on the debt the have sent into collections as I have never been notified of this debt. There is a debt of {$970.00} on my credit report and I don't know what it is for.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX, PA XXXX Dear TransUnion, I am writing to request the removal of two missed payments from my credit report as per the rules of construction under XXXX XXXX XXXX XXXX Title Definitions. 

I missed two payments on my XXXXXXXX XXXX XXXX Account Number : XXXX on XX/XX/XXXX and XX/XX/XXXX. As per the terms of the agreement, these missed payments was reported to the credit bureaus, affecting my credit score and making it difficult for me to obtain credit in the future. 
However, I would like to draw your attention to the rules of construction under 15 USC 1681 B Title Definitions, which state that any information reported to the credit bureaus must be accurate, relevant, and substantiated. In the case of the missed payments.I believe that it does not meet these criteria, and as such, should be removed and brought to current. 

I would appreciate your prompt attention to this matter and your confirmation that the missed payments have been removed from my credit report. 


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

I have disputed with this Creditor on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, ,and XXXX, I requested bank transactions and proof that I was late with this creditor. The creditor never sent proof that I was late. The creditor has taken over 30 days to update my account and perform an investigation. The creditor has illegally re-aged my date late.active from XX/XX/XXXX to XX/XX/XXXX. XXXX is missing date, last active and is unverifiable. XXXX failed to update my account and do a proper investigation. The creditor last reported on my account XX/XX/XXXX even though I sent my dispute XX/XX/XXXX Today 's date XX/XX/XXXX I have not received an update of a Re-Investigation from the creditor.
Product: Credit reporting, credit repair services, or other personal consumer reports

On all the 3 credit bureau reports I can find unrecognized hard inquiries, accounts, and addresses. All the below mentioned accounts does n't belongs to me, either it 's an identity mismatch or a fraud. I have dealt with the bureaus many times but still no conclusion and every now and then I can find a new entry on the report without my consent. All this is impacting my credit score and making me worried about something suspicious. 

Accounts : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX Similarly, there are many hard inquiries which do n't belong to me. I need your urgent help, as I am dragging this issue from last 8-9 months and still the bureau investigation is not of good use to me.
Product: Vehicle loan or lease

I bought a used vehicle on XXXXXXXX. The finance company did not inform me of all my rights as a consumer or options. They overpriced it and I gave a down payment of {$3500.00}. To top it off the XXXX XXXX XXXX was so overpriced. A few days in the vehicle smelled burnt. I maintained the services on the vehicle for 8 months when it broke down. The woman that was in charge of my file, XXXX, well she a rude. Does not know how to help the customer. When I asked for a deferment she argued with me and did not let me talk to her supervisor. She would call me a week before my payment to tell me when I was gon na make a payment that I was late. I have been paying for 8 months when it overheated and stalled. The vehicle has been in the XXXX services since XXXX. I hired an attorney to help me with this issue because they sold me a lemon. I informed them that the vehicle was not working and I was not gon na pay insurance. They added their insurance. Which was ridiculously high. I called in XXXX so I can find out if they can have the dealership buy the vehicle back but XXXX was rude. She said, " We don't work like that. She preceded to tell me your car is not eligible for lemon law. She also threatens me by saying XXXX XXXX you are in good standing don't mess that up. I made a partial payment but she reported me to the credit agency that I was late and the amount she posted was not correct. She was being argumentative with me so I decided to tell her that I just called her for one thing and I hung up. She kept calling me and calling me that day. For the next 3 weeks, she kept calling me every day. On XX/XX/XXXX, I mailed them my dispute and cease and desist letters. On XX/XX/XXXX, I faxed them as well. A few days later they went to pick up the vehicle from the XXXX service center. The repo company is charging me XXXX dollars the first day and 7 every day after that for storing my stuff in the car. I just got the letter that when they repo the vehicle they didn't even call me they allowed it to run. I have an attorney for that vehicle. I lost my job because of this. I need the vehicle that was the whole point of purchasing it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been attempting to repair my credit for more than ten years. I recently paid a credit account in full and the credit reporting agencies in light of this information took from one to 50 points OFF my score instead of adding points to my score. Account reference is XXXX XXXX   indicating charge off /collection/write off - other, which now has a XXXX balance. I am well aware of my rights under the Fair Debt Collection Practices Act ( FDCPA ) and my state laws so I hope to save both of us a great deal of time by letting you know that not only do I dispute the validity of the fair reporting, I have also checked with my State Attorney General and verified that this reporting is in violation of my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently, I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 
In accordance with the Fair Credit Report Act, Everything has to be 100 % accurate on my credit report and Under 15 U.S Code 1681e ( b ) and 15 U.S Code 1691i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

All of the accounts listed below were all open fraudulently without my cosecant. 

Experian XXXXXXXX XXXX {$710.00} Acct # XXXX XXXX XXXX XXXXXXXX {$130.00} Acct # XXXX XXXX XXXX XXXX {$880.00} Acct # XXXX XXXX XXXX XXXXXXXX {$1200.00} Acct # XXXX XXXXXXXX XXXX XXXX {$200.00} Acct # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed a certified letter to Equifax requesting an investigation of the inquiry thats on my credit report.

The inquiry date was : XX/XX/XXXX from Company : " XXXX XXXX ''. I never applied or authorized this company to check my credit. I do not have any active account with this company The inquiry date was : XX/XX/XXXX from Company : " XXXX XXXX ''. I never applied or authorized this company to check my credit. I do not have any active account with this company The inquiry date was : XX/XX/XXXX from Company : " XXXX/ XXXX '' I never applied or authorized this company to check my credit. I do not have any active account with this company.

Equifax failed to re-investigate. I also sent a letter to all three companies requesting for proof of this authorization, yet I received a response.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I mailed a letter to XXXX regarding the debt they placed on my credit report for {$1500.00}. I requested validation of this debt. I have no knowledge of this account. 
On XX/XX/2022, I received a letter from XXXX acknowledging that they received my dispute however they refuse to validate or send me any documentation to validate the claim they place on my credit report. I have never done business with this company. 
They claim that Citibank SOLD my personal and private information to them, which is a direct violation of my privacy. 15 U.S.C 1681 Sec 602A, states that I have the right to privacy. 15 U.S.C 1681 sec 604A Sec 2 : Also states that a consumer reporting agency can not furnish an account without my written instructions. As a consumer and natural person, am aware of all the rights that I have which are protected by Congress under the Fair Credit Report Act ( FCRA ). 

XXXX XXXX XXXX claims I owed them {$1500.00}. I have challenged and disputed the accuracy, compliance, and reportability of this listing multiple times, however, they failed to investigate and validate this debt and continued to report the erroneous account to the credit bureaus which is a violation under 15 U.S.C 1692 ( g ) Section 809 ( b ). 
My personal and private information was obtained and SOLD to other organizations as well, such as XXXX, XXXX, and XXXX, which I did not grant. I was not notified that this information was being provided to the highest bidders. 
.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect personal pieces of information were found in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the incorrect personal pieces of information that are reporting on my Credit Reports and need to delete immediately : Wrong Name : XXXX XXXX XXXX XXXX, XXXX, XXXX Wrong Addresses : XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXX Employer XXXX XXXX XXXX  Date Updated : XX/XX/2020
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, Late payments are showing on the following on my credit report.

Capital One- Walmart 3 missed payments : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX Bank 3 missed payments : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX Child Support Enforcement 22 missed payments : XXXX, XXXX, XXXX, XXXX, XXXX, XX/XX/XXXX ; XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XX/XX/XXXX ; XXXX, XXXX, XXXX, XXXX, XX/XX/XXXX In accordance with the fair reporting act, this creditor has violated my rights under 15usc 1681section 602 states I have the right to privacy. 15 usc 1681 section 604 A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. under 15 usc 1666 B a creditor may not treat a payment on a credit card account under an open and consumer credit as late for any purpose. 

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

I just received a denial letter from XXXX XXXX. I called to discuss the reason for denial with the bank. I was told there are 2 negative items on my XXXX credit report that determined there decision. The first item is XXXX XXXX XXXX XXXX. I have disputed this with XXXX and transunion and it has since been rectified and deleted however XXXX is still reporting it. I have stated many times I had multiple loans with XXXX that were all paid in full. They were combined loans and it has been satisfied. This has been an ongoing issue over 2 years now. The next item was XXXX XXXX XXXX that as well has been deleted and removed off XXXX but is showing on XXXX. There were numerous fraudulent charges on that credit card. I have reported it to police over 4 years ago. I tried contacting XXXX by phone to discuss this and dispute it again but I cant speak to a live person.