23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

XX/XX/XXXX Wells Fargo ( mortgage ( # XXXX ) started to escrow my homeowner 's insurance into my monthly payment. I explained to them that my homeowner 's insurance is already being escrowed by the 1st mortgage company which I owe XXXX I only owe Wells Fargo XXXX. I explained to them the loan is a XX/XX/XXXX and my insurance is escrowed with the other loan. However, Wells Fargo refuses to stop escrowing my homeowner 's insurance. Which means I am paying homeowners insurance in two places for the same home. I have had several correspondence with Wells Fargo but it fell on deaf ears. The other mortgage company even sent a letter explaining to them that they collect the escrow and pay the insurance. My mortgage payment for Wells Fargo should only be XXXX but it is XXXX because they added XXXX for insurance which I already pay with the larger ( 1st ) mortgage.
Product: Credit reporting or other personal consumer reports

Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX www.consumerfinance.gov/complaint/ Subject : Request for Removal of Negative and Inconsistent Accounts from Credit Reports To Whom It May Concern, I am writing to formally request the Consumer Financial Protection Bureaus ( CFPB ) assistance in resolving several discrepancies and inconsistencies present on my credit reports maintained by Experian, Equifax, and TransUnion. Despite my efforts to address these issues directly with the credit bureaus, the inaccuracies persist and are negatively affecting my credit score and financial standing. 

Summary of Disputed Accounts and Inconsistencies The following accounts reflect inaccurate, unverifiable, or inconsistent information : XXXX. XXXX XXXX XXXX Appears with balances of {$860.00} and {$260.00} on Equifax and TransUnion but is missing entirely from Experian. 
XXXX. XXXX XXXX Reported as charged-off across all three bureaus. However, payment history varies, and Experian shows dispute notes not reflected by the others. 
XXXX. XXXX XXXX Appears only on Experian as charged-off with {$1800.00} written off but is absent on Equifax and TransUnion. 
XXXX. XXXX XXXX Reported only on Experian as charged-off with a balance of {$670.00}. No mention of this account on Equifax or TransUnion. 
XXXX. XXXX XXXX XXXX Reported as closed on all three bureaus, but payment history and late payment details are inconsistent. 
XXXX. XXXX XXXX Inquiry Reported only on TransUnion as a hard inquiry but not listed on Experian or Equifax. 

Efforts to Resolve I have already filed formal disputes with Experian, Equifax, and TransUnion to request removal or correction of these accounts. However, I am dissatisfied with their responses, and the inaccuracies remain unresolved. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to accurate and verifiable information in my credit file, and the credit bureaus are obligated to remove data that can not be substantiated. 

Requested Resolution I am requesting the CFPBs assistance in ensuring that the credit bureaus : 1. Remove all inaccurate and unverifiable negative accounts from my credit reports.

2. Provide written confirmation that these corrections have been made.

The inaccurate and inconsistent reporting of these accounts violates the FCRA and places an undue burden on me as a consumer. I am seeking your intervention to ensure compliance with federal law and to rectify these errors. 

Enclosed Documentation To support my case, I have attached : Copies of my credit reports from Experian, Equifax, and TransUnion with the disputed accounts highlighted. 
Copies of my dispute letters to the credit bureaus. 
Certified mail receipts and proof of delivery. 

I trust the CFPB will investigate this matter promptly and ensure the removal of these negative accounts. Thank you for your time and assistance in resolving these issues.
Product: Credit reporting or other personal consumer reports

1. These companies allowed my information to be stolen.

2. Their actions resulted in me being scammed and defrauded.

3. Their actions resulted in fraudulent use of my information.

4. Their actions resulted in me being denied credit for years.

5. Their actions resulted in me not having a meaningful life.

6. Their actions resulted in me being denied jobs.

7. They listed multiple addresses that showed I am unstable.

8. They listed many hard inquiries that showed I was not creditworthy.

9. These companies destroyed my creditworthiness and life.

10. They are all responsible for my financial, marital, and medical failures.
Product: Student loan

My student loans entered repayment in an XX/XX/XXXX. I never received a billing statement from Mohela for the payment that was due on XX/XX/XXXX. I was previously set up for automatic payments and so the payment was automatically drafted from my account. I received a billing statement on XX/XX/XXXX for a payment that was due XX/XX/XXXX. I contacted Mohela about getting and administrative forbearance since I wasnt receiving timely billing statements and was advised that the statements were sent. Ive attached an email showing the date of the XXXX statement that I received. I dont have an email of the XXXX statement since so never received it. In XX/XX/XXXX, I received an email stating that I could request an administrative forbearance and refund for my XXXX payment. I emailed Mohela about this and receive a message in August stating that Im not eligible.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value you setting aside some margin to FIX a portion of the data in my credit document ; notwithstanding, there are still items to be fixed. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

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

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Midland Credit Mgt calls my place of employment daily. They've called my place of employment : XX/XX/XXXX at XXXX XXXX pst XX/XX/XXXX at XXXX XXXX PST XX/XX/XXXX at XXXX XXXX PST
Product: Credit reporting, credit repair services, or other personal consumer reports

An account in my credit is showing late, this account has never been late, this inacurate reporting has affected my ability to get funding and has made me pay higher interes. Please remove this late in my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On the morning of XXXX XXXX we brought our mtg account up to date/current via an electronic transfer from my Wells Fargo bank account. That electronic payment was made in the Wells Fargo branch at XXXX XXXX and XXXX in XXXX XXXX, TX. Because the payment was received by Wells Fargo on XXXX, the payment was not late, nor was it missed. Not only has Wells Fargo changed the date on mtg statements in their online system to now showing that they received the funds, from the XXXX to now the XXXX, and refuse to correct it, they have falsely reported it to XXXX and XXXX. I have repeatedly sent letters and copies of the bank statements and the instrument to Wells Fargo Home Mtg, and to Wells Fargo Bank, as well as to XXXX   and XXXX  showing that the payment was drawn from my account, made, AND RECEIVED by Wells Fargo on the XXXX. This has gone on for 4 months. Wells Fargo 's response that it just takes time for XXXX  and XXXX  to get the information is simply a lie, since in XXXX, XXXX  and XXXX   noted that my XXXX payment had been made and the account was already current. XXXX  and XXXX  could not have reported that unless they had already been contacted by Wells Fargo! This and other even more significant and very costly issues have been recurring problems with Wells Fargo. In retaliation for my filing the first complaint, Wells Fargo refused, and still refuses to correct the report to XXXX  and XXXX, but Wells Fargo refused, and still refuses to report ANY of the subsequent mtg payments, which have ALL been on time. Also in retaliation for the complaint, in spite of having a perfect 6 year auto loan repayment history, which was paid off in XXXX with no late nor missed payments, Wells Fargo states that they will neither report the loan as having been paid off, they will also not allow a new auto loan and " informally '' denied my application for another auto loan. This may not seem important to you, but to us it is extremely important. My wife is ill, and I can not purchase a vehicle until the mtg statements are corrected to show the actual date of payment ( XXXX XXXX XXXX, and these negative, and false, credit reports have been corrected by Wells Fargo with XXXX  and XXXX. Additionally, claims by Wells Fargo that it is because of COVID 19 are ridiculous since I have been trying to get this resolved for four months, well before COVID 19. Please correct the on-line mtg statements to accurately show that the payment of XX/XX/XXXX was made and RECEIVED on that date, and correct the reports to XXXX  and XXXX  to correctly show that the XXXX, XXXX, XXXX, and XXXX mtg payments have ALL been on time. This is only just, it is also urgent for us.
Product: Credit reporting, credit repair services, or other personal consumer reports

Re : Hard Inquiry/Unverified on my behave. 
I recently checked my credit report with Experian, XXXX, XXXX. 

I have One Hard Inquiry from Company : XXXX XXXX XXXX Hard Inquiry date : XX/XX/2017 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX
Product: Debt collection

I am a victim of identity theft. my credit cards and personal information was used without my permission This creditor is not only reporting fraudulent account but also aware that is account had fraudulent tranactions in deed. I sent my police report and my FTC affidavit that i received from the Federal Trade Commission. They keep verifying this fraudulent tranaction and the accounts in dispute. I have never had any goods or services from these tranctions they are knowingly and willingly reporting this fraud. They have caused me great damage and embarrassment also with emotional distress. They dont respond to my disputes and keep verifying this fraud to the credit bureaus. the fraudulent Transactions was {$3100.00} i did not give any permission to charge my credit cards or use my personal for any reason.
Product: Credit reporting or other personal consumer reports

JC Pennies reported a 30 day late payment which is incorrect. I contacted the company, they sent a response stating there are no late payments
Product: Mortgage

I am writing to seek clarification regarding the insurance practices implemented by Freedom Mortgage on residential mortgages. In late XXXX, I received a notice from Freedom Mortgage, dated XX/XX/XXXX, stating that I was required to obtain flood insurance. Upon receiving this notice, I contacted Freedom Mortgage to understand the requirements. The Freedom Mortgage Representative informed me that I needed to secure insurance retroactively from XXXX, or they would purchase insurance on my behalf and charge me for it if I did not provide proof of insurance within 45 days of receipt of the letter. 

I explained to the Freedom Mortgage Customer Service Representative that I would attempt to purchase insurance ; however, the state of Florida was under several declarations of emergency, which prohibited any insurance company in Florida from issuing or binding any insurance policy during the pending storms. Despite this, Freedom Mortgage purchased insurance after the fact and is now charging me for a policy issued in late XXXX. In fact, when I spoke to the Customer Service Representative, he informed me that a flood policy had not been obtain and he was not able to provide me the insurance company information or policy information during our telephone conversation. I am uncertain if this practice is permissible under state or federal law, and I seek further clarification regarding the legality of forcing clients to acquire insurance without providing due process or ample time to purchase adequate insurance. Subsequently, I was able to purchase insurance from XXXX on XX/XX/XXXX, with an effective date of XX/XX/XXXX. 

On XX/XX/XXXX, I received a letter from Freedom Mortgage, dated XX/XX/XXXX, stating that they had not received proof of my policy and that they had acquired coverage from XXXX XXXX XXXX XXXX with an issue date of XX/XX/year>. However, when I spoke to the Freedom Mortgage representative on XX/XX/XXXX, I informed them that I had a policy, which was emailed, and the agent confirmed receipt. Additionally, the service agent informed me that he updated the file to reflect that I had insurance. However, the latest correspondence contradicts this information. 
It is my impression that Freedom Mortgage is actively deceiving its customers and committing insurance fraud by providing policies that no other company was able to issue due to the state of emergencies in Florida. Furthermore, there is a significant difference between the policies, which I believe are predatory and an example of price gouging to profit from consumers limited by natural disasters. 
I also believe that the predatory practices of Freedom Mortgage violate Federal Trade Commission policies, as the insurance company they are using is based out of New Jersey. 

Thank you for taking the time to review my concerns and provide guidance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have alot of hard inquiries and close account on my credit report that I have no idea of. Such as.XXXX. # XXXX XXXX  # XXXX XXXX  # XXXX XXXX XXXX XXXX  # XXXX XXXX # XXXX. XXXX # XXXX XXXX  # XXXX. XXXX  # XXXX. XXXX XXXX  # XXXX # XXXX. XXXX # XXXX.and all close account because I have no knowledge of them
Product: Student loan

For the last 10 years I've had my Federal student loan serviced by XXXX. Never did I have any issues with them. 

Last month they switched over to American Education Services or AES. 

AES sent me 1 letter saying the loan was going to switch to their company and that I shouldn't have to do anything additionally. 

I have automatic payments applied to this loan. {$240.00} comes out of my bank account on the XXXX of every month. AES took over my loan beginning of XX/XX/XXXX and they took out {$240.00} on XX/XX/XXXX as they should have. 

Then I noticed another charge of {$240.00} come out of my account on XX/XX/XXXX. There was no authorization and no notice of an addition payment to be made, it was very quietly taken from my account. 

After contacting AES they said there must have been an accounting issue on their end and it would take 7-10 business days to refund that payment. 

I contacted my bank to refund that payment immediately and was hoping to be done with the ordeal. Then, yesterday, XX/XX/XXXX I received an email from AES saying my account was delinquent and I owed them {$490.00} on my account. 

I contacted them immediately and asked them why they are requesting a double payment after having taken out my regular payment on XX/XX/XXXX. They claimed to have refunded both my XX/XX/XXXX payment ( which had already been paid ) plus the mistake they made on XX/XX/XXXX. 

Because of their mistake my account is now considered " delinquent '' which I've never had for the entire 10+ years of my loan. Not only do I have to make sure I have those funds corrected in my account but I have to hope my XX/XX/XXXX auto payment is taken out correctly and a double payment is not charged again. 

I did not want my loans to transfer to another company in the first place and I'm very disappointed with AES and their accounting practices, intentional or not. 

If these issues continue to occur I think American Education Services should be investigated for predatory practices.
Product: Credit card or prepaid card

I am a long-term card holder of American Express since XXXX, and I have never missed a payment or late with a payment. Sometime around the third week of XXXX I received a call from an AMEX Underwriter. The underwriter informed me that based on my credit report my account balance would be capped at XXXX. I was also informed that to use the card I would have to show proof of earnings. I responded that my wife and I file jointly and my earnings are confidential, proof of earnings was still requested. I explained that we were going on trip to XXXX XXXX where we have vacationed for the past 11 years. He stated that he would allow a XXXX} charge limit. I provided proof that the reason for negative credit report was and is based on XXXX XXXX XXXX XXXX and XXXX XXXX XXXX which are listed and open with the CFPB. In fact, I have retained counsel to represent me in federal court against XXXX. This is also reported by an FBI investigation in which XXXX was found to have committed fraud, Identity Theft and Forgery of my signature. It is being determined whether the same attorney will represent me against XXXX XXXX XXXX. This proof provided to the Underwriter had no weight in decision making nor joint filing with my wife. I was not billed nor was I informed about the non-billing for the month of XXXX and a dispute was in place for XXXX XXXX for unauthorized charges of XXXX each month. I was then billed for XXXX} due on XXXX/XXXX/XXXX which was greater than anything based on balance. I complained to the XXXX XXXX and spoke to a XXXX XXXX XXXX, see attached. XXXX XXXX was professional and concerned but stuck to the Amex playbook. Based on my conversation with the Underwriter I strongly believed that I was being kicked out of Amex as a risk. I felt this with XXXX XXXX as well and believed that cancelling my card was what they were looking for. XXXX XXXX also stated that the information supplied on XXXX and XXXX XXXX XXXX was not sufficient for the Underwriter. In conversations with counsel, I was made aware that cancelling my card would affect me negatively. I believe that I have been subjected to Unfair and Deceptive practices. See attached support documentation, and statements. Kicked Out of Amex!
Product: Debt collection

I received a voicemail from a company called XXXX XXXX XXXX on XX/XX/XXXX XXXX The agent, XXXX XXXX, left the voicemail with the number ( XXXX ) XXXX, ext. XXXX. The number listed on my call list is ( XXXX ) XXXX. I called XXXX XXXX at the XXXX number and it was then I learned that this was a debt collection agency. XXXX XXXX then went through a verification process that included my number, my DOB, and my last known address. She also had the last four digits of my SSN, which immediately raised alarms. 

XXXX XXXX said that I owed {$1600.00} to XXXX XXXX XXXX for an XXXX XXXX on XX/XX/XXXX XXXX I have not received any communications from this association regarding a bill, nor have I received any notice from XXXX XXXX XXXX. XXXX XXXX said they sent a Notice on XX/XX/XXXX. I asked where. XXXX XXXX read an address that I no longer am associated with, and was only located at for one month. I told XXXX XXXX that I have to do some research and hung up. 

After some research, I realized that this debt involves the same attempt I reported to the CFPB, case no. XXXX, on XX/XX/XXXX XXXX I reported the same to the credit bureaus and resulted in the debt being removed, and XXXX XXXX XXXX, who had the debt, discharging the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have carefully reviewed my credit report in Equifax. I have been turned down for a credit due to misreporting information, I have found inaccuracies that should be immediately investigated. I have complete knowledge of the Fair Credit Reporting Act and understand that these companies have a responsibility to notify me prior to or no later than 30 days of such negative activity reporting against me. Please correct the status of these accounts : XXXX XXXX XXXX Balance {$220000.00}, XXXX XXXX XXXX Balance {$720000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my Second 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 items 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, VA XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, VA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$3100.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXX
Product: Checking or savings account

I lost my card at the end of XXXX around XX/XX/XXXX. I noticed charges on the account and called Bank of America about the issues, they issued me a credit of the missing amount. I ordered a new card but never received it. after which i noticed strange activity on my account after they disconnected my card from my digital wallet.I called to connect my card back and they informed me that Bank of America has decided to close my account. because of this i decide to look into my account and see that it is negative XXXX dollars from a returned check that was submitted into an atm on XX/XX/XXXX WHEN I HAD NO CARD IN POSSESION BECAUSE IT WAS STOLEN. Since then i have put in a request for the release of the direct deposit funds of XXXX that went into a closed account. They then later declined the claim stating that i have used the atm that was used when my card was stolen. i tried to file an appeal and was transferred to another department which didnt answer and i was hung up on. now the have charged my direct deposit funds and all of my money is gone.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a formal complaint against Security Finance Corporation located in XXXX, SC. This company has repeatedly violated my consumer rights under the Fair Credit Reporting Act as well as the Fair Credit Billing Act and has caused me much unnecessary financial AND mental distress. For starters, they're reporting an erroneous & unverifiable account on my credit report and not to mention an account in which I've asked for proof of claim and in which they have not been able to provide, per the FCRA & FCBA. Despite my efforts to resolve this unfortunate nightmare for several months now, Security Finance Corporation has completely ignored my communications and legal submissions to remove this inaccurate information from my credit report. I am well aware of several other complaints filed against this company for their illegal and unethical business practices. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a Professional and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.