23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

XXXX/XXXX/XXXX Reference Ditech # XXXX Old account # XXXX A notification was sent to me on around XX/XX/XXXX. explaining that my escrow account was under funded by {$460.00} and that the shortage would be collected over twelve months if I did not make payment prior to the 30 days of the time the notice was sent out. I made the payment within the timeline requested, But Ditch continues to charge and collect that fee divided by twelve months of {$38.00} I disagree with calculations about my escrow account being underfunded. Because I was issued a check last year because it was over funded. 
On or around XXXX XXXX I wrote requesting an explanation of why my mortgage payment was increased. I have a fix rate mortgage and the cost of my homeowners insurance and real estate tax bill have not increased. 
Ditech sent a follow up letter on XXXX XXXX. XXXX stating that my inquiries are being reviewed and a written response would follow in 30days. A second letter was sent on XXXX XXXX XXXX stating that there is an ongoing investigation in an effort to resolve the issue of overpayment of mortgage fees and in accurate escrow calculations. 
A third letter was sent on XXXX XXXX, XXXX explaining my right to cancel PMI. This letter and information does not apply to me. I met the requirements to have my PMI canceled in XXXX at which time it was cancelled. So my mortgage does not include a ( PMI ). I am not sure if this letter is an effort to justify why my mortgage payment was increased. 
Addditonaaly, My billing statement for the month of XXXX XXXX included a fee of {$4.00} that is unexplained. 
I have made numerous attempts to inquire about the over charges that have continued since XXXX XXXX with customer service via phone at Ditech. Each time they refuse to give me any information about my account. I was informed that the account has a notation that customer service is not to talk to me. 
I make a payment of {$800.00} dollars monthly for my mortgage payment that was {$700.00} prior to Ditech adding additional fees to my mortgage making it now be XXXX. The additional funds from the {$800.00} was to be applied to my principle {$97.00}. The overage in fees changes and interferes with pay down of my mortgage because the correct amount is not being credited to the principle. 
Thirty days has passed and Ditech not offered any resolution to my complaint. And again I can not get anyone to discuss the matter over the phone. 
I want all the extra monies that was not appropriated correctly to the principle of mortgage to be credited to accurately. I want the {$4.00} charge that is not explained to be credited to m principle. I want the extra fees that are being collected for escrow account to be excluded from my mortgage payment.
Product: Debt collection

So last year I received a notice in the mail stating my information was compromised in a data breach.. I didnt think anything of it well fast forward to now I have 3 affirm accounts on my credit report that I did not open and Ive tried numerous times to get this issue resolved.. being that the person had all of my info the company is stating that its valid Ive worked really hard to get my credit where it is and this data breach has been a nightmare Ive sent police report and identity theft reports to the company and they are still choosing to ignore my request. Ive taken the proper steps to put fraud alerts on my credit report and I am now requesting you all to remove this fraudulent accounts off my credit report as the other 2 bureau 's have
Product: Credit reporting, credit repair services, or other personal consumer reports

Check Systems is reporting false and misleading information about me.  I want it removed from their system .cease and desist immediately.  I will contact my attorney , I will also charge XXXX that inaccurate info stays on my file starting today . Check systerm dispute XXXX. Remove asap or pay me XXXX daily .Ftc and BBB complaints.
Product: Student loan

On  XXXX   XXXX  I signed up with   XXXX   XXXX   XXXX   or  PMMC and Associates LLC in or der to have them help me consolidate my student loans with the   XXXX   XXXX   XXXX  . They asked me to pay {$900.00} to simply fill out my application and submit it. I paid {$120.00} at that time and set up a payment plan to pay the rest of the fee in installments over the next 4 months on  XXXX   XXXX . I was told that I would be able to cancel my agreement with the company if the consolidation went through and I was unsatisfied with my monthly payment. I provided    XXXX   XXXX   XXXX   / PMMC and Associates wit h all of the personal information they asked for on  XXXX   XXXX . I received information from   XXXX   and spoke to them on  XXXX   XXXX  they informed me that they had received my application but not my income information from  PMMC and Ass ociates which I had sent to them on  XXXX   XXXX . I called  PMMC to inquire   about this and was instructed that the documentation had been sent and they did n't know why  XXXX  had not received it they said they would resend this documentation. I called  XXXX  on  XXXX   XXXX  and was informed that they still had yet to receive my income information to from  PMMC and Associates.   On   XXXX   XXXX   I emailed PMMC/  XXXX   XXXX   XXXX   my intention of cancelling my service with their company because they had failed to ensure that all necessary and personal documentation was received by  XXXX  as of   XXXX   XXXX     XXXX   XXXX   I called    XXXX   XXXX   XXXX   and req uested a cancellation of service and a stop to all future payments there forth. A representative named  XXXX  who identified himself as the head of their processing department responded that they would not cancel my service or refund any of my payments and that if I stopped any future payment with them that they would send my account to collections.  PMMC and Associates/  XXXX   XXXX   XXXX   Charged me {$900.00} for a service that was not fully provided, and informed me that they would send my account into  collections when I tried to cancel service with them.
Product: Credit card

I have a sapphire chase credit card I made a purchase from XXXX from XXXX XXXXXXXX XXXX XXXX I order products from them worth XXXX The products they sent were damaged I opened a dispute with chase and they submitted the documents they wanted and they mislead you with different information and they closed my case and sided with them I will never do business with them
Product: Student loan

Hello, I'm sorry if this is not the correct category, but I would like to file a complaint against Navient, as they will not work with my situation. Every month I pay my bill down and ask if there's a program that can help me lower my payments. Every time I've asked they quickly say no that they do not have any programs for me that can lower my monthly payments. 

I had late payments with Navient in the past, but have been working hard the last XXXX years on staying on track with my monthly bill and keep it current. I feel that I'm paying my loans off, but it's barely affecting my balance and by that time, my interest rates are adding on. 

Even with keeping my account current Navient refuses to help me, not even a little bit.
Product: Debt collection

This is the second lawsuit Portfolio has filed to collect on an aged debt. To date, I havent received any paperwork or information on said debt. It is frustrating because I hire a lawyer only for them to dismiss the case. The last lawsuit was XXXX and it was dismissed. Now they are filing in a different county and Im no longer living in that county. I use an address for mail only but work in a different state. 

Ive tried calling and getting more information about the debt which is a one page email from them with a total. They then try to collect on another debt from XXXX. No statements but if I owe provide me with dates, contracts, emails, etc from the original creditor. 

At this point, Im seeking arbitration if they continue harassing me about a debt that is out of the SOL which is 4 years in XXXX. 

I now understand why they were fined $ XXXX in XXXX. And fined in XXXX. They are crooks who feel as if they cant be touched. Collecting and suing for zombie debts is illegal in almost every state.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I sent a letter regarding inaccurate and unknown things on my credit report, To this day over XXXX days later i have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. According to the XXXX XXXX XXXX the bureaus have to report XXXX percent accuracy this is a violation i am demanding proof on how these accounts were validated.
Product: Credit reporting, credit repair services, or other personal consumer reports

This debt was a debt that I did accumulate. However, the account that established the debt was opened XX/XX/XXXXXXXX  which is now beyond the 10 year mark so the account should be removed from my credit report. I had paid the debt off in full XX/XX/XXXXXXXX  in order to purchase a house. When this payment occurred, the original account on my credit report was deleted and a new one added as though the account was brand new hence starting over the account history. From a credit report prior to the payment, the account numbers are different than what is displayed on my current credit report further proving the account was opened as a new account with established debt and without my consent. I have documentation from these reports proving the matter is inconsistent with proper credit reporting guidelines/requirements and should be removed as this is a violation of fair credit reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are addresses on my credit report are outdated and I want the bureaus to remove it.
Product: Credit reporting or other personal consumer reports

Recently checking my credit report, I noticed that I've been a victim of identity theft and found sone credit inquiries I have no knowledge of. Here are the inquiries that I've found XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

There are 3 credit collection companies reporting duplicate credit accounts on my credit report. I have challenged several of the accounts and they are initially removed, and then placed back on my report sometimes several more times. The three companies involved are Gold Key Credit, INC, XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX XXXX. 

The first account is owned by Gold Key for a balance of {$700.00}. This account appears on my XXXX  report four separate times. The dates the accounts were opened are XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. This company is fraudulently reporting the same account multiple times for a total of FOUR delinquent accounts for one debt. 

The next account is owned by Gold Key for a total of {$480.00}. This account appears on my XXXX  account twice with opening dates XX/XX/XXXX, and XX/XX/XXXX. This same account also appears on my XXXX   report 3 separate times with opening dates XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX.  This company is fraudulently reporting the same account multiple times for a total of TWO and THREE delinquent accounts for one debt. 

The next account is owned by XXXX XXXX for a total of {$660.00}. This account is reported on my XXXX report FOUR times with opening dates of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. This account also appears on my XXXX report FOUR times, with the same dates. This company is fraudulently reporting the same account multiple times for a total of FOUR delinquent accounts for one debt. 

The next account is owned by XXXX XXXX for a total of {$440.00}. This account appears TWO separate times on my XXXX   report. The opening dates on this account are XX/XX/XXXX and XX/XX/XXXX. This same account is reported on my XXXX report TWO MORE TIMES by XXXX XXXX XXXX XXXX XXXX with opening dates of XX/XX/XXXX and XX/XX/XXXX. This account appears to have been initially owned by XXXX XXXX XXXX and was sold to XXXX XXXX however both companies are continuing to report the account and both companies are reporting the same account twice for a total of FOUR delinquent accounts reported for one debt. 

The next account is owned by Gold Key for {$400.00}. This account appears on my XXXX report THREE separate times. The opening dates on this account are listed as XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. This company is fraudulently reporting the same account multiple times for a total of THREE delinquent accounts for one debt. 

And the final account is for a total of {$240.00}. This account appears on my XXXX account under XXXX XXXX TWICE with the dates of XX/XX/XXXX and XX/XX/XXXX. This same account appears a third time on my XXXX report listed as Gold Key for the same total with an opening date of XX/XX/XXXX. These are all three clearly the same account. These companies are fraudulently reporting the same account multiple times for a total of THREE delinquent accounts for one debt. 

I've attempted to challenge these accounts, but as I stated, when I challenge the account they just add it on to my credit report for a third, fourth, or fifth time.
Product: Credit reporting or other personal consumer reports

CEASE AND DESIST DEMAND Re : Cease and Desist Notice : Account Number XXXX I am filing this letter to formally demand that your company cease all communication and activities related to the alleged debt under account number XXXX, as referenced in your correspondence from XX/XX/2023 to the present day. 

I dispute the validity of the claimed debt following the submission of my presentment on or around the date of XX/XX/2023, which included debt instruments and instructions for the setoff, settlement, and closure of the mentioned account. Despite my repeated requests to validate the debt through an affidavit under full commercial liability, your company has failed to respond to these inquiries. 

The persistent and unwarranted communication from your company has caused me considerable humiliation, emotional distress, and other private and/or commercial damages. I believe your actions violate the Fair Debt Collections Practices Act, specifically 15 U.S.C. 1692 ( c ), and constitute a breach of your fiduciary duties as a trustee.

I hereby demand that your company cease all activities related to this debt within fifteen ( 15 ) days from receipt of this notice. This includes the removal of any reference to this account from your records, the discontinuation and retraction of any reports to credit reporting bureaus, and the cessation of all communication with me.

Failure to comply with this demand within the specified time frame will leave me with no alternative but to pursue appropriate legal action against your firm to protect my rights. 

Please govern yourself accordingly
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX {$140.00} XXXX  XXXX {$500.00} XXXX XXXX {$620.00} XXXX reporting negative car was traded total of XXXX Hard Inquires dating back to XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a Dispute on XX/XX/XXXX with Experian for inaccurate information showing on my credit report ( dispute report # XXXX ) from XXXX XXXX XXXX for a Auto loan on a XXXX XXXX XXXX. 

XXXX XXXX place a delinquency on my credit report but confirmed in the dispute report ( see attached ) to Experian that the account was always in good standing from inception to close but for some reason I don't know why Experian will not remove the Delinquency from my report. 

I called XXXX XXXX and got a copy of my statement ( see attached ) showing account being paid off and not EVER being late. 

This is so unfair and not rewarding to someone like myself who prioritize bills and make sure they are NEVER late.
Product: Credit reporting or other personal consumer reports

The company refused to honor my privacy protection. They said they was going to report what they want without my consent.
Product: Credit reporting or other personal consumer reports

This is NOT A DISPUTE. I believe the information being reported to be inaccurate. 
XXXX XXXX XXXX {$170.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

!!!!!! This is not a Duplicate!!!! I have contacted XXXX XXXX and Experian about a fraudulent collection account being reported on my credit file. XXXX XXXX about a fraudulent debt that was placed on my credit report. Someone attempted to rent an apartment in my name and the fees associated with them submitting an application in my name have been attached to my credit file. I have contacted XXXX XXXX and told them directly the account they were reporting was fraud and they have been verbally abusive to me, and refused to remove the account from my credit file even though they know the collection is as a result of identity fraud. I have contacted XXXX XXXX in Experian 's Consumer Relations Department 7 times in total and left voice mail messages for him and he has never returned any of my very detailed messages. I was told by Experian to contact XXXX XXXX when I noticed information on my credit file that was fraudulent. I have done as I was asked to do, but in all of the 7 detailed messages I left for XXXX XXXX over the course of 2 weeks he has not responded to any of them and has not blocked the fraudulent collection account that XXXX has placed against my credit. I have provided XXXX XXXX and XXXX XXXX a copy of my very recent police report regarding the fraud that was committed against me and they both have refused to abide by the FCRA Section 605 B, and are defaming my character and intentionally inflicting emotional distress by reporting fraudulent information that they have both been told does not belong to me. I am attaching my police report to this complaint. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2019 {$160.00} {$160.00} XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

Follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
I sent letters asking them to reinvestigate these accounts listed below XXXX ( XXXX ) open date is not reporting correctly, date last active, date of last payment, this account is not accurate XXXX XXXXXXXX XXXX XXXX  XXXX ) open date is not reporting correctly, date last active, date of last payment, this account is not accurate XXXX XXXX ( XXXX ) open date is not reporting correctly, date last active, date of last payment, this account is not accurate Can you look into this matter
Product: Credit card

Dear CFPB I am writing to formally lodge a complaint regarding an unauthorized charges on my Chime account and the prolonged delay in resolving my dispute. The dispute number is XXXX. I have occasionally added money to my account without issue. XX/XX/year>, funds in the amount of {$400.00} was on my Chime card. However, I discovered that XXXX withdrew approximately {$110.00} from my account without my authorization. 

Upon noticing this transaction, I promptly contacted XXXX to dispute the charge, as I did not make this purchase. XXXX informed me that, despite the first name on the charged account not matching mine, they could not take action because the last name was similar. Instead, they advised me to contact my bankChimeto dispute the transaction directly. 

Following their guidance, I filed a dispute with Chime immediately. I have provided all necessary documentation and information proving that this transaction does not belong to me and that the account in question is not mine. Despite my efforts, I have yet to receive a resolution, and my funds remain unreturned. I was even told that if they could not resolve it within 10 days a provisional credit would be issued and that was not the case. they said not on credit cards however that is not what i was told. 

I have attached what i can. The only way to send anything to them is to attach a image. I have not hear ANYTHING! 

This delay is unacceptable, as it has caused me unnecessary financial distress. I urge Chime to expedite the resolution of this dispute and return my money as soon as possible. I have wrote them through screen shots and told them I have no choice but to escalate my complaint to the Consumer Financial Protection Bureau ( CFPB ) and any other relevant regulatory authorities. 

Please provide me with an update on the status of my dispute and the expected timeline for the return of my funds. I look forward to a swift resolution to this matter. 

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

Good Afternoon, I am writing to you as a concerned consumer regarding certain inquiries or " hard inquiries '' on my credit reports that were not performed by me. I would like to respectfully request that steps be taken to remove these inquiries from my reports to the appropriate credit bureaus. 

As a consumer, I have the right to an accurate and truthful credit report under the Fair Credit Reporting Act ( FCRA ). This law establishes that credit bureaus must maintain accurate and up-to-date information about consumers, and must only allow legitimate inquiries on credit reports. Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), consumers have the right to protection against the collection of unfair or misleading credit information. 

I would like to stress that I did not authorize or request any of the inquiries in question. These inquiries are not representative of my credit history or my financial interactions. Since these inquiries are not legitimate and are not supported by my consent, I request that they be removed from my credit reports immediately. 

It is essential for me as a consumer to maintain a clean and accurate credit report. These unauthorized inquiries could negatively impact my ability to obtain credit in the future and may undermine my confidence in the credit system. Therefore, I urge the CFPB to take prompt and effective action to address this situation and remove these inquiries from my credit reports. 

The inquiries that I do not make and appear on my credit reports are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I thank you in advance for your attention and cooperation in this matter. I hope that the CFPB will take the necessary steps to ensure that my rights as a consumer are fulfilled, in accordance with the laws mentioned above. 

I look forward to your prompt response and satisfactory resolution. I appreciate your time and attention to this urgent matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and saw inquiries I did not recognize contacted the bureaus created a fraud alert and made a ftc complaint the inquiries do not belong to me the companies of the inquiries : TRANSUNION INQUIRIES : 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 INQURIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

There was a breach of my personal information and report at XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I was recently effected by the flooding in XXXX, LA. I have mortgage against the property, I have been out of my house for 3 months now and I have yet to receive any payments from my mortgage from the claim loss to finish the repairs. I have put all of the monies so far to complete repairs. When I call them to get answers I can never any person that is willing to bring it up to a high level to resolve my issue or even consider the pain and suffering my wife and I are going through.