23daVinci/CFPB_Complaints huggingface dataset:
Product: Consumer Loan

My wife and I have past due medical accounts from XXXX and from XXXX that have been placed for collection with State Collections Services. I have on several occasions requested over the phone and through fax letters that any and all communication regarding these debts need to come to me through my email, my cell phone or my fax. Yet, CSS continues to try to make contact with my wife - either through her cell phone or at work - activities that I have expressly forbiddened and in clear violation of the law.
Product: Mortgage

I received a mortgage statement from XXXX XXXX d/b/a PHH showing a fee of {$550.00} was due. In XX/XX/XXXX I paid {$650.00} for attorney fees ; I was told by PHH Rep the payment went into a suspense account. Each mortgage statement requested a payment of the fee of {$550.00}. In XX/XX/XXXX, I paid the fee again, this time writing on my check specifically the payment intent to pay attorney fees. The check was cashed. In XX/XX/XXXX, my statement still showed a line item that I owed {$550.00} ( fees ) and requested that I was due to pay {$1800.00} ; although it included my current mortgage amount of {$1200.00}. In XX/XX/XXXX, I contacted PHH and was told the fee was credited to the suspense account and a reversal was being sought to apply the payment accurately. The resolve will correct the mortgage statement. This went on for an additional 5 months ; statements from the mortgage company requesting I pay {$1800.00} including a {$550.00} fee and my current mortgage amount of {$1200.00} although I was told the issue had been corrected. Also in XX/XX/XXXX, I received a letter from XXXX XXXX/PHH stating as of XX/XX/XXXX the funds ( {$550.00} ) were applied to the fees, and the mortgage statement would be corrected beginning XX/XX/XXXX. 
In XX/XX/XXXX, I contacted PHH 's escalation department without resolve. The mortgage statement still representing a payment of {$550.00} was due to XXXX XXXX/PHH. 

To date, each month I receive a mortgage statement requesting an additional {$550.00} for fees that I have paid twice already. The mortgage statement each month is inaccurate and I have exhausted any possible remedy within PHH. Hence, my complaint..
Product: Credit reporting or other personal consumer reports

experian verified this XXXX XXXX XXXX  account # XXXX as accurate i want the method of verification used to verify this account.
Product: Mortgage

I contact customer service support for ShellPoint on XX/XX/2024 ( attached information for my account ) to get my PMI removed from mortgage. 

Customer service walked me through how to submit the request via their online portal with a written request and signed ( attached ). I submitted a written and signed request. 

I received a letter from them dated XX/XX/2024 ( attached ) stating " we are working to gather the requested information and will forward it to you as soon as possible. '' The customer service associate told me I should be receiving a package with instructions for them to do a BPO or appraisal so they can understand the value of my house and get the PMI removed. 

I have not gotten anything else in the mail and still waiting and it is XX/XX/2024 today. I am paying PMI on my mortgage for no reason. As my property value has gone up due to remodeling and also market rise in prices, my LTV threshold is now below XXXX or XXXX percent and I quality for PMI removal. They need to remove the PMI from my account and lower my payments.
Product: Credit reporting or other personal consumer reports

I do not recognize this credit inquiry XXXX XXXX XX/XX/2023! I have asked for it to be removed by the credit bureau but they have not done as I have asked. I am providing an Identity theft report as an attachment. I am requesting the inquiry to be removed because it is inaccurate and not mine.
Product: Credit card or prepaid card

I contacted Bank of America to dispute a transfer made from my employment benefits accounts of {$1500.00} and XX/XX/XXXX I received two deposits each for {$1500.00} one as a temporary credit from Bank of America and another from my benefits. On the same day another transfer of {$3000.00} was transfer to an external account without my permission. My account has a balance of {$0.00} snd Bank of America say it will take up to 45 days to complete their investigation. I am broke without food and need access to my benefits.
Product: Credit reporting or other personal consumer reports

On XX/XX/2023 I reviewed my credit profile from the credit reporting agencies Equifax, XXXX, and XXXX. I found there were Hard inquiries from different companies that I did not authorize for these inquiries to take place.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX. Lexis Nexis is violating the law for NOT removing the wrongful false entry on my XXXX XXXX report from XXXX XXXX XXXX XXXX ( see attached ) XXXX XXXX XXXX is their insured who broke my ankle. THIS IS NOT MY LOSS. 

FCRA : DELETE IMMEDIATELY, it is not loss.
Product: Credit card

Purchased a top from XXXX XXXX shop in XXXX. Cashier repeatedly pressured me to apply for store credit card to lower the price of the top by {$20.00}. After saying no thank you 4 different times to no avail, finally agreed because customers behind me were getting impatient with the line. I dont use store credit cards and when the bill arrived, I must have thought it was junk mail and tossed it out. The actual credit card arrived after that and then I remembered. When I received the second bill, I was charged a late fee that was more than the {$20.00} discount given initially, but paid it $ ( XXXX ) I added a note to please cancel my account and described the pressure given at the store. My check for {$36.00} was cashed by the company. Now have received another bill for an additional {$75.00} in late fees. I called the company and asked that these late fees be adjusted/ forgiven and was told no. I asked to speak to a supervisor and spoke with an XXXX who was very polite but also refused. So I will be paying a total of {$100.00} for what was supposed to be a {$17.00} blouse. I am XXXX XXXX XXXX, and this is very distressing for me.
Product: Credit reporting or other personal consumer reports

I have been affected by the data breach. Per 15 USC 1681 c-2 states except as otherwise provided in this section a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft. Please remove the following accounts from my credit report : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

-May XXXX my LOC with Wells Fargo was cancelled without notice. This reduced my available credit by XXXX which negatively impacted my credit score by 36 points. 
-In XX/XX/XXXX the bank reinstated my line of credit due to a consumer complaint by me, which then increased my credit score by 36 points. 
XXXX XXXX Wells Fargo is now going to remove all Three of my lines of credit which will reduce my overall available credit limit by XXXX this will very negatively impact my credit score. 
-Wells Fargo will cancel 2 of my line of credit account by XX/XX/XXXX, and one account by XX/XX/XXXX.
Product: Debt collection

I do n't no who did this the amount is {$960.00} its not mine
Product: Credit reporting or other personal consumer reports

Regarding Experian report number XXXX obtained XX/XX/XXXX, I received a collection on my credit report from XXXX XXXX XXXX XX/XX/XXXX a balance reported of {$57000.00}. 
I never had a signed agreement or an account with XXXX XXXX XXXX. 
" In accordance with the Fair Credit Reporting Act, this creditor has violated my rights. Under 15 USC 1681 section 602 states I have the right to privacy. According to 15 USC 1681 section 604A Section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 166 B a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. ''
Product: Debt collection

Tower Loan constantly calls in an attempt to collect an alleged debt. Tower Loan has be asked to cease communication and provide documentary evidence of the alleged debt.
Product: Checking or savings account

It was in XXXX when I had a duplicate transaction hit my account. I contacted the merchant and they confirmed they only ran my card once, even though the transaction amount was removed from my balance twice. When contacting Citi Bank the representative said that they could clearly seen where I was charged twice and they would give me a provisional credit that would cancel out the debit card duplicated transaction. Well today XX/XX/2020 I contacted the bank because my available balance was showing negative - {$3.00} when I should have easily had over {$100.00} dollars still in my account. After talking to the representative they said that my dispute was canceled and the provisional credit removed. I explained to the person that the provisional credit had canceled out the duplicate transaction and if they were going to take the amount back they needed to pay the second transaction to the business that they failed to pay the first time. The representative explained that I was wrong and they were correct. 

I told them that I felt that they were committing a UDAP violation. It was not my fault that their system had created a duplicate transaction and that I did not think it was fair to take {$100.00} dollars out of my account without notice for something I honestly did not spend.
Product: Credit reporting

On XXXX/XXXX/XXXX my credit score was XXXX. I paid my student loans off decreasing my total debt by {$6000.00} +, and was notified by experian credit reporting on XXXX/XXXX/XXXX via email that my credit score had decreased by XXXX pts ( XXXX XXXX. Prior to then in XXXX I paid a large amount of my student loans off and my credit score increased XXXX XXXX XXXX. Once I received notice my score decreased I logged into their site to compare my previous summary of credit factors from XXXX/XXXX/XXXX back to the end of XXXX to XXXX/XXXX/XXXX and could not find any new factors. I contacted experian and was transferred many times, on the line approximately 47 minutes then hung up on. I called back only to be told I should hire a credit counselor. I was not sure why they were telling me to do that as I am a paying member of experian. After a lot of frustration I cancellelled my membership.
Product: Credit reporting or other personal consumer reports

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

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries. 

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

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX, GA XXXX XX/XX/2022, XXXX XXXX XXXX XXXX XXXX GA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$36000.00}, XXXX XXXX XXXX XXXX Balance : {$840.00}, XXXX XXXX XXXX XXXXXXXX Balance : {$790.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXXXXXX XXXX XXXX Balance : {$5400.00}, XXXXXXXX XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1400.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$110.00}, XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022, XXXX XX/XX/2022, XXXX XX/XX/2022, XXXX XX/XX/2022, XXXX XX/XX/2022, XXXX XX/XX/2022, XXXX XX/XX/2022, XXXX XXXX XXXX XX/XX/2022, XXXX XX/XX/2022, XXXX XX/XX/2022, XXXX XX/XX/2022
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 federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX # XXXX Account name : XXXX XXXX # XXXX Account name : XXXX # XXXX Account name : XXXX XXXX # XXXX Account name : Self # XXXX Account name : XXXX # 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 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: Mortgage

Champion Morgage Company charging large inspection fees as part of payoff.. no inspections were needed or necessary. There was someone in the house at all times. 

There were also inappropriate / fraudulent servicing fees of XXXX $ each month. The company was charging interest on this loan every month. 

Champion has the worst customer service..
Product: Credit reporting, credit repair services, or other personal consumer reports

I spoke with Equifax today regarding the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  account # XXXX that was currently reporting 2 late payments. The account is not updated. It is still showing late payments. The response from the credit bureau is below, Company responded STATUS Company responded on XX/XX/2022 RESPONSE TYPE Closed with explanation Company 's Response Thank you for submitting your complaint through the CFPB Complaint Portal. In your complaint, you indicated that there were inaccurate items reporting on your credit file. Equifax has completed its investigation, including contacting the furnisher of the information, where applicable. A summary of the results are listed below : Trade : XXXX XXXX XXXX THIS CREDITOR HAS VERIFIED TO OUR COMPANY THAT THE CURRENT STATUS IS BEING REPORTED CORRECTLY. THIS CREDITOR HAS VERIFIED TO OUR COMPANY THAT THE PRIOR PAYING HISTORY IS BEING REPORTED CORRECTLY. THE FOLLOWING FIELDS HAVE BEEN MODIFIED : DATE OF LAST ACTIVITY/DATE OF FIRST DELINQUENCY, HISTORICAL ACCOUNT INFORMATION, ACCOUNT HISTORY Trade : XXXX XXXX XXXX THIS ACCOUNT IS CURRENTLY REPORTING PAID AS AGREED, WITH NO LATE PAYMENTS. NON-REPORTING DISPUTES Trade : XXXX XXXXXXXX XXXX  THE DISPUTED ITEM IS NOT CURRENTLY REPORTING ON THE EQUIFAX CREDIT FILE. Trade : XXXX XXXX XXXX THE DISPUTED ITEM IS NOT CURRENTLY REPORTING ON THE EQUIFAX CREDIT FILE. We hope this resolves your concerns and, if applicable, a copy of the dispute results has been mailed to you. If you have any additional questions, you may call XXXX ( XXXX ) or you may visit www.myequifax.com. With my Equifax, you can create an account to manage your security freeze, add or remove fraud alerts, and initiate credit file disputes. Additionally, you can access free Equifax credit reports and other products. You may also obtain a free copy of your credit report on annualcreditreport.com.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please remove and suppress this account, no knowledge or contract with this company 15 usc 1681a ( 2 ) ( a ) ( i ) 15 usc 1666b 15 usc 1681 i a 1 15 usc 1681 i 5 15 usc 1681 B 15 usc 1681 i ( 7 ) Read A and 2 not reporting across all bureaus. Please remove for innacuracy XXXXXXXX XXXX XXXX - summary XXXX XXXX XXXX Account Number XXXX Original Lender XXXX XXXX Name I.C. System, Inc Date Assigned XXXX XXXX XXXX Original Balance {$1500.00} Current Balance {$1500.00} Responsibility Individual Status Account seriously past due date/account assigned to attorney, collection agency, or credit grantor 's public collection department Comments Account Information Disputed By Consumer
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 accounts to be fixed. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these accounts. 

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

XXXX XXXX XXXX  account # XXXX XXXX XXXX XXXX  account # XXXX - these accounts have been disputed multiple times and came back verified, I supplied proof to each bureau that the creditor was not reporting 100 % accurate information and they allowed it to be reported incorrectly for XXXX seriously affecting my credit worthiness to other creditors and affecting my interest rates based on unverified/incorrect information.. 

this account should be removed immediately due to errors, and the credit bureau cited for failure to report in accordance with FCRA for XXXX XXXX has already removed both of these accounts due to serious errors in reporting
Product: Mortgage

Subject : Complaint Regarding Mismanagement of Escrow Payments and Insurance Claims Dear Consumer, Financial Protection Bureau, I am writing to file a formal complaint regarding the mismanagement of escrow payments by my mortgage servicer, PennyMac, and the improper handling of my homeowners and auto insurance policies by XXXX. Their combined mismanagement has caused me significant financial, physical, and emotional harm over the past three years. Below, I have detailed the issues, their impact, and my requests for resolution. 
________________________________________ What Happened 1. Escrow Mismanagement by PennyMac PennyMac has continued to withdraw funds from my escrow account for homeowners insurance premiums, even after XXXX canceled my policies citing nonpayment. Neither I nor PennyMac received notification from XXXX about any change in payment responsibilities. 
Dates of Issue : Payments continued in XXXX, despite policy cancellations on dates including XX/XX/2024, and XX/XX/2024. 
Amounts Involved : Escrow payments for homeowners insurance were approximately {$1200.00} annually, but XXXX claimed nonpayment. 
2. Improper Handling by XXXX XXXX failed to process my valid insurance claim for extensive property damage and delayed resolution by repeatedly switching adjusters and providing inconsistent communication. They also canceled my policies due to alleged nonpayment, despite timely escrow disbursements by PennyMac. 
Claim Issues : XXXX refused to pay repair costs for my uninhabitable home, stating quotes were overpriced without conducting independent assessments or providing reasonable alternatives. 
Policy Cancellations : On XX/XX/2024, XXXX canceled my homeowners insurance, claiming {$350.00} was due. PennyMac continued withdrawing funds for this policy without any explanation or resolution. 
________________________________________ Impact 1. Financial Losses : o Significant repair costs for my home, worsening damage due to delays, and expenses related to temporary housing.

2. Health and Emotional Distress : o My living conditions have worsened existing physical injuries and caused severe mental distress.

3. Risk of Uninsured Liability : o Policy cancellations left me without coverage, increasing my financial and legal vulnerability.

________________________________________ Steps Taken I have : Contacted XXXX multiple times to resolve the issue, but payments were not credited, claims were delayed, and policies were canceled. 
Contacted PennyMac to address escrow discrepancies but received no clear explanation for why funds were not applied to my insurance policies.

Despite these efforts, the issues remain unresolved.

all information and numbers was not added to give full story of situations please take this into considerations
Product: Debt collection

Experian is reporting on debts I do not owe. XXXX XXXX and XXXX XXXX debts are not mine! Experian continues to report and verifies these items. I have requested proof of verification on multiple occasions, and they fail to send me any information. My identity was stolen years ago and made a police report. My police report # XXXX. I have never signed any documentation to these creditors.
Product: Credit reporting, credit repair services, or other personal consumer reports

Debt collector reporting inaccurate information on my credit report. I never received a debt validation notice and no one never contact me regarding this debt. 

*** Debt Collectors are required by Fair Debt Collection Practices Act to send consumer a written debt validation notice with information about the debt theyre trying to collect. It must be sent within five days of the first contact. 

**Debt collector is violating Fair Debt Collect Practices. 

Further more this payment was made on-time with the original creditor, see attached confirmation receipt for your reference. debt collector claim is fraudulent and inaccurate.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act.The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 168 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  has violated my rights. I look at my Experian Credit report on XXXX and noticed something are incomplete and not accurate.And according to the Fair Credit Reporting act.Whenever a consumer Reporting agency prepares consumer report it Shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom report relates according to 15 USC1681 ( E ) ( B ) .And according to 15 USC 1681i 5 They are suppose to do this ( 5 ) Treatment of inaccurate of unverifiable information ( A ) in general after any reinvestigation under paragraph ( 1 ) of information disputed by a consumer and item of the information is found to be inaccurate or incomplete or can not be verified the consumer Reporting agency Shall ( 1 ) promptly delete that item of information from the file of the consumer or modify that item or information as appropriate base on the results of the reinvestingation ; and promptly notify the furnishers of that information that the information has been modified or deleted from the file of the consumer