23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Mr. Cooper assumed responsibility for my fixed mortgage beginning XX/XX/XXXX. The first statement matched my previous monthly payments of {$3900.00}. The following month the statement increased {$4400.00}. In reviewing the statement it was primarily due to an increase in escrow from {$1500.00} to {$2000.00}. Knowing my taxes and insurance hadn't increased significantly it didn't appear correct so I called Mr. Cooper on XX/XX/XXXX and was able to confirm with the customer service rep I spoke with ( XXXX ) that their records reflected the following : -annual taxes were listed as {$17000.00} -annual homeowners cost was {$2700.00} -there was a shortfall in escrow of {$270.00} -there had not been an escrow analysis run by Mr. Cooper since taking over my mortgage -they claimed they did not change escrow charges without an analysis.

Getting that information took 56 minutes, every question was responded to with a pause of over several minutes until I would ask if they were still on the phone. 
I review the above numbers with XXXX and asked her to confirm that if an escrow analysis was done would the logic be to add the above numbers and divide by XXXX to reach the new escrow charge. She confirmed yes, we went thru the math ( total = {$20.00}, XXXX divided by XXXX = {$1600.00} ) and XXXX agreed. When asked what could be done XXXX responded " nothing ''. I asked if there was someone else that would be able to do something or at least explain and was transferred to XXXX who claimed she couldn't access my records, and suggested I call back later in the week. 
Feeling a little unsettled that my mortgage company didn't seem to have access to my records I submitted a " qualified written request '' as they suggest on the monthly statement explaining my concerns as well as all the details listed above. 
I called back on XX/XX/XXXX and spoke with XXXX. I recapped the earlier conversation with details and she said all she could do was " initiate an investigation ''. 
I received a response to my " qualified written response '' stating they would get back to me by XX/XX/XXXX. 
My overall impression is disorganization or incompetence- not feelings one likes to have towards the keepers of ones mortgage.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX Subject : Dispute of Inaccurate Credit Report Information Credit Report Account Number : XXXX Creditor : XXXX XXXX XXXX Dear [ Credit Bureau Name ], I am writing to formally dispute the inaccurate information on my credit report under the Fair Credit Reporting Act ( FCRA ), Section 611 ( 15 U.S.C. 1681i ). The account in question is from XXXX XXXX XXXX, with the following details : Account Number : XXXX Balance : {$52.00} Original Creditor : XXXX XXXX XXXX Date Opened : XX/XX/year> Payment Status : Seriously past due/ Assigned to attorney, collection agency, or credit XXXX 's internal collection department Balance Date : XX/XX/year> Account Status : Not Satisfying Trade Dispute Basis : No Valid Contract : I do not have any contractual relationship with XXXX XXXX XXXX. Under 15 U.S. Code 1692e of the Fair Debt Collection Practices Act ( FDCPA ), debt collectors must not use false, deceptive, or misleading representations. The absence of a direct contract between myself and XXXX XXXX XXXX invalidates the reporting of this debt on my credit report. 

Inaccurate Reporting : The FCRA mandates that all information on a consumer 's credit report must be accurate and verifiable. The information reported by XXXX XXXX XXXX, including the balance and status of this account, is inaccurate. Furthermore, the account was reported as " Seriously past due '' without sufficient evidence or verification of the debt. 

Potential Consumer Rights Violation : Reporting this account as derogatory without a valid contract and sufficient evidence XXXX constitute a violation of my consumer rights under the FCRA. The lack of detailed payment history and unclear status updates further questions the legality of this reporting. 

Request for Resolution : I request that [ Credit Bureau XXXX ] conduct a thorough investigation into this matter. If you are unable to verify the accuracy and legality of this information, I demand that this collections account be removed from my credit report immediately. 

Please notify me of the outcome of your investigation within the XXXX period as required by the FCRA. If the investigation reveals that the information is inaccurate, I request that the account be removed from my credit report and that I be provided with an updated copy of my report. 

Thank you for your prompt attention to this matter. If further information or documentation is required, please do not hesitate to contact me. 

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

In accordance with the Fair Credit Reporting Act XXXX XXXXXXXX XXXX Account # 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: Credit reporting or other personal consumer reports

credit inquiries that i did not authorized 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  XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX Re : Dispute of Inaccurate Credit Reporting by XXXX XXXX  XXXX Account Number : XXXX ) Dear Sir/Madam, I am writing to file a formal complaint regarding the inaccurate reporting of a charge-off account on my credit reports by XXXX XXXX. The details of the account in question are as follows : - Account Number : XXXX - Account Type : Revolving ( Credit Card ) - Original Creditor : XXXX XXXX  - XXXX : {$5400.00} - Date Opened : XX/XX/2021 - Payment Status : Collection/Chargeoff The issues with this account are as follows : XXXX. **Continuous Reporting of Charge-off : ** The account has been reported as a charge-off every month for the past three years. According to IRS guidelines, an unpaid charge-off is considered income and should not be repeatedly reported in this manner. The continuous monthly reporting of this charge-off is misleading and does not accurately reflect the true status of the debt.

2. **Sale of Debt : ** The debt associated with this account has been sold to another company. The original creditor should have updated the account status to indicate this change. Reporting the debt as an active charge-off after it has been sold is inaccurate and misleading.

3. **Issuance of Form 1099-C : ** I have requested a Form 1099-C from the original creditor, which should have been issued to indicate the cancellation of the debt. The absence of this form suggests that the debt should no longer be reported as active.

The Fair Credit Reporting Act ( FCRA ) requires that all information reported on my credit report must be accurate. Continuously reporting this debt as a charge-off while it has been sold to another company and should be recognized as canceled debt is a violation of the FCRA. 

I have previously disputed this matter with the credit bureaus ( XXXX, XXXX, and Equifax ) and the original creditor, but the issue remains unresolved. Therefore, I am seeking the assistance of the CFPB to investigate this matter and ensure that my credit reports are corrected to reflect accurate information. 

Please find attached copies of relevant documentation, including my communications with the original creditor and the credit bureaus. 

I request that the CFPB intervenes to have this inaccurate charge-off removed from my credit reports promptly. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX
Product: Debt collection

This medical account was opened on XX/XX/2017 and I've reached out to the company due to hardship. I've sent letters through 3rd party service to get issue resolved with fees assessed to my account as I've received no response. At this time I'm disputing to have the collection agency remove from my credit file as I didn't authorize nor give any permission to report on my credit report.
Product: Debt collection

Borrowed money back in XX/XX/2013 for {$1000.00}. fell behind and tried to work things out, in the mist of getting funds together when I called them back they told me they lost my information and had to look for it and would call me back. They never did and I repeatedly called them to make payments arrangements yet they could never locate my account. 

The information on my credit report in incorrect, the date of last activity, the open date is all incorrect from the loan application information. I am asking to have this information verified and corrected or have the account deleted from my credit report.
Product: Credit reporting or other personal consumer reports

I am writing to dispute and request the correction of inaccurate information on my credit report. Upon reviewing my credit report, I have identified have an accounts that are reporting late payments inaccurately. I have contacted the company associated with these accounts, and they have confirmed that the late payments was errors and have agreed to update my accounts and remove the late payments Below are the accounts in question : XXXXXXXX XXXX XXXXXXXX, XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX, XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Date opened : XX/XX/2016 Balance : {$0.00} Late Dates : XXXX Late closed, XXXXXXXX XXXX XXXXXXXX, XXXXXXXX XXXX XXXX XXXX  XXXX and XXXX XXXX. 

I would like to bring to your attention that other credit bureaus have already corrected these accounts on their end. Therefore, I kindly request that you update my credit report to reflect these corrections. I understand that you are required to conduct a reasonable investigation into disputed items. I request that you investigate these accounts promptly and make the necessary corrections.
Product: Debt collection

I rec. a phone call from a assest recovery associates ARA 2days ago. I was at work and trying to hear what ara was saying. they stated i owe about XXXX dollars for a dept. to XXXX XX/XX/XXXX thru XX/XX/XXXX. I could not recalling any money owed to this company 20 years ago. I was threatended with being served by the sheriff, court proceedings, garnishments, leins, fees etc. ARA also had my SS and personal information. I told them i did not recall this dept and if i had this dept i would of taken care of it 18 years ago. It was extremely frustrating converstation i was put on hold transfered to different people with different titles. At first i was terrified and told them i didnt have that kind of money. they said they could settle for less around XXXX. Which i still couldnt pay i said i need to talk to my bank. well the figured changed to about XXXX now. They said if i could pay anything now I had XXXX dollars on my debit card i gave them my card number and they took the funds. they said i have to XX/XX/XXXX or court proceedings will start. I told them again i never rec. any letter from them to date i gave to date. the stated they sent to my p.o. box of course they had all my information. Till this day i have not got a legal letter from them. I should not of payed anything. Something is not right. So I came home from work got on the computer and researched everything. I contacted the company XXXX they contacted me back and said it would not be possible to owe them anything from XX/XX/XXXX and is not affiliated with any company like ARA. STatue of limitations is 6-7 years in my state for dept owed. I have contacted my bank and none of this is every showed up on my credit report.. ARA is terrifing company. there practices are crazy and have to be illegal. I live paycheck to paycheck i cant afford a lawyer either.. What to do. Help me stop this company from doing this to other folks. They way ARA uses terms statements can be very overwhelming especial if you are not a legal advisor. Just a average person trying to get by.
Product: Debt collection

COLLECTOR AND CREDITOR ARE MANUFACTURING DEBT TO COLLECT ON AND XXXX COUNTY IS KNOW FOR FRAUD AND SCAMMERS.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX continues to verify this account after they were instructed to remove it due to the multi state settlement agreement they entered into with the attorney generals office. 
I have submitted 4 disputes this year with Experian and the latest dispute was again verified a few days ago. My account meets all legal the criteria. I continue to incur damages and was recently denied credit due to this matter. Additionally, XXXX violated several other laws in which I will pursue legal action if this issue isnt immediately resolved.
Product: Credit reporting or other personal consumer reports

XXXX  wireless billed ( XXXX ) me for a phone sent to an address in Indiana using my old CLOSED XXXX account number. We called the fraud department and opened a claim. They continued to call trying to get payment which we refused to pay. Our last email about the claim was XX/XX/XXXX saying they were working on it. they continued to call about payment and we repeatedly gave them the claim number. 
I have never been contacted about a resolution since and thought it was taken care of until I now notice a collection on my credit report affecting my score ( XX/XX/XXXX ). 

I have lived in Arizona since XXXX, never lived in, have family, or know anyone in Indiana.
Product: Credit reporting, credit repair services, or other personal consumer reports

1. XXXX XXXX 2. XXXX 3 XXXX XXXX 4 XXXX XXXX XXXX XXXX 5. XXXX 6. XXXX XXXX XXXX I wrote to the credit bureaus and requested that they confirm the debt listed on my report. They have replied with the statement that everything has been correctly confirmed. My credit report still contains errors. 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: Credit reporting or other personal consumer reports

I am filing this complaint against Experian for failing to properly verify a debt that they reported on my credit file, despite my repeated disputes, and for sending me a credit report containing another persons information, which clearly shows they have linked my identity to someone elses debt. 

Details of the Complaint : Experian failed to properly verify a debt linked to XXXX XXXX XXXX in connection with XXXX XXXX XXXX XXXX XXXX XXXX XXXX, which is inaccurately reported as {$1100.00}. I have disputed this debt multiple times and continue to state that it is not mine. 

- Incorrectly Provided a Report with Another Persons Information : When I received a credit report from Experian on XX/XX/year> during my most recent dispute, it contained personal details that belong to a completely different individual. This includes : 1. An incorrect address 2. A different phone number 3. Debt and credit card history that does not belong to me This error clearly shows that Experian has linked my personal credit profile to another individual with a similar name, violating my rights under the Fair Credit Reporting Act ( FCRA ). 

- Experians Failure to Investigate : I believe Experian has failed to conduct a proper investigation into my disputes and did not demand sufficient proof from the creditor to confirm the accuracy of this debt. Instead, they confirmed the debt, even though theyve clearly mixed my information with another persons, further proving that the debt is not mine. 

- My Rights Under FCRA Violated : Experian is required to ensure all reported information is accurate, yet their inclusion of another persons information on my credit report is a gross violation of my rights under the FCRA. This error has caused significant distress and financial harm, as it affects my credit score and my ability to secure financial products.
Product: Debt collection

I see that this bank can tell you anything and you believe it. They have not giving me all my funds. They lied to you, Government Newsen, and Congress Bill Foster, also Congress Al Green they told them they gave me all my claims which is a lie they sent my claims to so call XXXX after they falseafiy my whole account account with lies. Why are you letting this bank get away with these lies. I m letting the Congress them know what's going on and what happened to the {$100.00} XXXX that was to be paid to costumers? Because noone got the money but you Why?
Product: Credit reporting or other personal consumer reports

I have items passed on that should be taken out or removed. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXXXXXX XXXX XXXX Balance : {$1600.00} XXXX XXXX XXXX XXXX Balance : {$1600.00} XXXX XXXX XXXX XXXX Balance : {$1600.00} XXXXXXXX XXXX  XXXX Balance : {$1800.00} XXXX XXXX XXXX  XXXX Balance : {$1800.00} XXXX XXXX XXXX XXXX Balance : {$1800.00} XXXX XXXX XXXX Balance : {$730.00} XXXX XXXX XXXX XXXX Balance : {$730.00} XXXX XXXX XXXX XXXX-XXXXXXXXXXXXXX Balance : {$730.00} XXXX XXXX XXXX Balance : {$3100.00} XXXX XXXX XXXX XXXX Balance : {$3100.00} XXXX XXXX  XXXX Balance : {$420.00} XXXX XXXX XXXX XXXX Balance : {$420.00} XXXX XXXX XXXX Balance : {$620.00} XXXX XXXX XXXX XXXX Balance : {$620.00} XXXX XXXX XXXX XXXX XXXX : {$620.00} XXXX XXXX XXXX  XXXX XXXX XXXX : {$8800.00} XXXX XXXX XXXX XXXX XXXX XXXX : {$2700.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXXXXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX  XX/XX/year> XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/year>
Product: Credit reporting or other personal consumer reports

is a fraudulent entry and does not accurately reflect my financial history. According to the law, if any information on my credit report is found to be inaccurate or unverifiable, it must either be corrected or removed from my report. 
As per 15 U.S.C. XXXXe ( b ), I am entitled to have my credit report accurately reflect my true credit history, and under 15 U.S.C. XXXXi ( a ) ( 5 ), I am requesting that this fraudulent account be investigated and removed from my report immediately. 
Please consider this letter as an official dispute regarding the accuracy of this account. I ask that you conduct an immediate investigation and take the necessary steps to remove this fraudulent account from my credit report. If the account can not be verified as accurate, it must be permanently removed as stipulated under the law.
Product: Credit reporting or other personal consumer reports

dear Equifax this is a self-attestation that I am victim of XXXX XXXX XXXX. The information listed below, which appears on my credit report, is the result of that XXXX XXXX. These fraudulent accounts consist of a an 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: Bank account or service

On XXXX XXXX, XXXX I noticed in my online account that I received a credit for a " Deposit Discrepancy Adjustment ''. I did not receive any written notification or explanation of this discrepancy adjustment. I called into customer support and was told I would receive a letter. After having not received a letter, I called XX/XX/XXXX and was informed that no letter would be sent, but that the discrepancy related to a deposit I had made in XXXX XXXX that had been improperly credited to my account. Given that the information made available online does not go back that far, I have no way of verifying any of the information I am being told to be accurate. I was told that I would receive a written explanation of the error as well as a full review of my account going back to the account opening with signed representations that there are no further discrepancies. I called back this morning ( over two weeks later ) and was told that all that would be provided at some point in the future at their discretion is a written explanation of the error from XX/XX/XXXX but that no further review would be provided unless I can identify the specific error ( which of course I can not do without any records being made available to me ). 
Furthermore, it is deeply disturbing that it would take nearly three years for such an error to have been identified, much less in a fashion that it is so opaque for the depositor to understand the error.
Product: Student loan

This is my second attempt to bring this issue to someones attention who honestly cares about the unfair student loan practices from both Sallie Mae & Navient. I am victim of these deceptive practices. 

My monthly payment was way too high, and my interest rate kept increasing. Navient simply would not work with me at all resulting in out of control interest rates on school loans which will be with me until and after I die! I have become a slave to this debt! 

When I ran into difficulties making payments, I was consistently offered forbearance, which allowed delayed payments for a set period of time. But under a forbearance plan, the loans continued to accumulate interest and has become a much more expensive option in the long run. At no time was I ever offered other repayment options or plans. 
As disclosed in the recent disclosures from the XXXX audit from the Department of Education, the agency noted the support of federal and state lawsuits that accuse Navient of boosting its profits by steering some borrowers into the high-cost plans without discussing options that would have been less costly in the long run. 
https : XXXX When I reached out to Navient in XXXX of this year, they offered NO options for me which would work within my financial responsibilities rather offering me a payment plan of over {$500.00} a month. Then, they sent me a letter indicating that my account was placed on hold until XX/XX/XXXX! Please refer to attached. 

Navient and the former Sallie Mae representatives never took the time to truly listen to my situation and would simply drop my loan into forebearance. There were a couple of times where I can honestly say that I had NOT requested this option and then, all of a sudden, Id receive an email about this. I reached out countless times to Navient to discuss. 

I am tired of the years of dealing with Navient and their XXXX they are not willing or wanting to work with the debtors. This is unfair and deceptive. I am seeking your help in fighting this against Navient and plan on filing once again with the Indiana Attorney Generals office who simply swept this under the carpet my first try. I will not stop until I receive some action on this. 
Sincerely, XXXX XXXX