23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

On an annual basis, PHH requires borrowers to upload renewed insurance information. I pay my flood insurance personally, that is not included in my escrow payment. The portal that they use to upload documents seems to never successfully work ( even though it states " Document upload Successful '' ). Back in XX/XX/XXXX, I received a letter from PHH stating that I was going to be billed {$1600.00} for flood insurance since I did not upload my new policy. I did however, upload my new policy information via their portal and then once again after receiving the letter. My policies are all current. I received a recent escrow analysis stating my escrow was short. The company representative stated {$1600.00} was pulled from escrow for flood insurance, flood insurance I already showed proof of paying. I have had my loan with them since XX/XX/XXXX and they are constantly messing up my escrow balance. For the 1st two years, they could not figure out my taxes and were issuing me a check for approximately {$2000.00} at the close of the year for the overage. An overage which I fought them on numerous times, however they stated they need time to figure it out. They are now stating that even though they doubled down and paid insurance which I showed evidence of, that my new bill is substantially higher to cover that deficit. I refuse to pay anymore than what I should be paying. Thank you for your review into this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was an authorized user on this XXXX XXXX account but was removed in XXXX. The balance of XXXX belongs to the owner and I would like it removed from my credit report.
Product: Credit reporting or other personal consumer reports

Several attempts were made contacting EXPERIAN in order to fix a reporting error on XXXX closed accounts that were charged off because they became considered taxable income under certificate of indebtedness, and, as income, those XXXX accounts CAN NOT be reported on ANY consumer credit Bureau, including EXPERIAN. Several attempts were made to fix these errors by deleting the XXXX above-mentioned accounts but to no avail.
Product: Mortgage

I 'm seeking your assistance on my mortgage with Bank of America. I 'm simply asking for help. My wife and I have been faced with both health and financial hardships over the last few years. We are finally in a state where we can sustain the monthly mortgage payment but Bank of America is running me in circles. I ask you to please-please truly review my situation as there has to be a human with a heart sitting somewhere willing to help me, willing to make an exception or simply sit back and realize this is the right thing to do. I am attaching a letter which thoroughly explains what has occurred.
Product: Mortgage

Carrington Mortgage Services , LLC is my mortgage servicer. I have not missed any payments nor been behind on my mortgage payments. The reason I am filing this complaint is that Carrington representatives keep calling me repeatedly telling me that they have some products I may be interested in to refinance the mortgage.

My telephone number is on both the state and federal do not call lists. I have also submitted written notices to the credit bureaus to " Opt Out '' of solicitations for credit. In addition, I have told the representatives at Carrington NOT to call me with unsolicited offers to refinance, which is ludicrous anyway because Carrington Mortgage Services , LLC is my mortgage servicer, NOT my lender. I believe I have also sent Carrington Mortgage Services written notice to put me on their internal DO NOT CALL lists.

I also record all my inbound and outbound telephone calls, and I have retained all my conversations with Carrington Mortgage Services , LLC regarding this issue. 

Today I received an unsolicited call from the lender, and the representative identified himself as " XXXX '', and wanted to verify me so that he could give me some important information about my loan. I told him if it's about an offer to refinance I am NOT interested, as I have told them numerous times not to call me with offers to refinance my mortgage. XXXX assured me it was NOT about refinancing the mortgage. He said if I won't give him the information to verify over the phone so that he could talk about it, I could call customer service back if I felt more comfortable calling them. I got hostile with him because I knew he was lying to me. 

I called the company 's number back, and SURE ENOUGH, the rep was giddy with excitement to let me know that they had some products they thought I would be interested in. I was angry that the company was AGAIN, wasting my time with offers I told them I was NOT interested in. I told them that I am tired of them ignoring my requests and I intend to file a complaint with the CFPB as well as the XXXX XXXX XXXX XXXX XXXX XXXX here in Texas where my property is located. I also told them they shouldn't be calling me anyway, as they are my loan servicer, NOT my mortage lender. I asked to be transferred to a supervisor, but was told that one is not available. I was then left on hold for an interminable amount of time, and then directed to a voice mail. That is when I came here to file this complaint because I am FED UP.
Product: Credit reporting or other personal consumer reports

I insist on the removal of these erroneous accounts from my XXXX XXXX as I never authorized their inclusion. It is vital that you expeditiously erase this misleading information from my records.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed this company by the name of XXXX XXXX with the credit bureaus ( ( TRANSUNION, XXXX, AND XXXX ) and which all of them were deemed as verified I have asked them multiple times to provide me with original documentation that would solidify their reasoning in deeming the account as verified, they have yet to do so, which leads me to believe their investigations was improper and incomplete.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ; XXXX and Transunion are reporting incorrectly late payments on the XXXX/XXXX partial account number XXXX. ( Please see page 7 of the attached credit report. ) These education loans came of out deferment status. There was an email sent notifying me of the status, however the email went to a SPAM folder. I never received the email notification and was not aware there was an issue until I received a telephone call. I immediately took care of the issue and was assured that my account would be corrected and the lates would be removed from my credit report since I never received any notification. To date the lates are still being reported. This incorrect reporting is harming my credit score. Please delete these lates from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 1st request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove/delete the following items listed below : 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to conduct a reasonable investigation into the inaccurate information on my credit report, as required under the Fair Credit Reporting Act ( FCRA ). 
I mailed a formal dispute letter to Equifax, disputing the following accounts on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX In my dispute letter, I specifically requested information on how Equifax verified the accuracy of these disputed items XXXX as they are reporting inaccurately. 
To ensure my identity was properly verified, I included : A copy of my government-issued ID My Social Security card Proof of address Despite my full compliance with the FCRAs requirements, Equifax failed to provide the requested verification details and continues to report these disputed accounts inaccurately. This is a clear violation of my consumer rights under the Fair Credit Reporting Act ( 15 U.S. Code 1681i ), which mandates that credit bureaus must conduct a reasonable reinvestigation when a consumer disputes the accuracy or completeness of any item in their credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have sent several letters over the past 2 years to have information deleted form my report with all three credit agencies -- - -- XXXX XXXX XXXXXXXX -- - no data reported for year XXXX, then XXXX account in collections -- -XXXX XXXX XXXXXXXX -- - no data reported for year XXXX, then XXXX account in collections account are listed as closed -- - but have negative impact on score -ACCOUNTS NEED TO BE REMOVED DELETED IMMEDATELY HARD INQQUIEERES THAT I DID NOT APPROVE OR REQUEST
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX OPM data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$140.00} XXXX XXXXXXXX Balance : {$130.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$600.00} 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: Credit reporting or other personal consumer reports

According to Omni Financials Non-disclosure agreement letter it states, " CREDIT BUREAUS : I understand that you MAY report information about my account to the Credit Bureaus and other appropriate entities as allowed by law. I understand that my good payment history as well as late payments, missed payments, or other defaults on my account may be reflected in my credit report. 

IAW 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information U.S. Code ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. 

( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party 15 U.S. Code 6803 - Disclosure of institution privacy policy ( a ) Disclosure required At the time of establishing a customer relationship with a consumer and not less than annually during the continuation of such relationship, a financial institution shall provide a clear and conspicuous disclosure to such consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, of such financial institutions policies and practices with respect to ( 1 ) disclosing nonpublic personal information to affiliates and nonaffiliated third parties, consistent with section 6802 of this title, including the categories of information that may be disclosed ; ( 2 ) disclosing nonpublic personal information of persons who have ceased to be customers of the financial institution ; and ( 3 ) protecting the nonpublic personal information of consumers. 

As these law states that YOU ( Omni Fiancial ) must not report any nonpublic information to 3rd party affiliates ( experian/transunion/equifax ) unless given consent from the consumer ( ME ) via in writing or electronic signature every 30 daya. I'm also choosing the option to opt out of reporting such information to any 3rd party affiliates as per 15 USC 6802.
Product: Credit reporting, credit repair services, or other personal consumer reports

Wrote letter to XXXX XXXX XXXX to remove reporting as it was reported incorrectly and is paid. With no response submitted certified letters to XXXX on XX/XX/XXXX and XX/XX/XXXX to remove unverified account from collector as XXXX has submitted information that this information has been removed and all reports to reflect the most accurate details. Returned auto letter to me stating account verified when I have not received any verification details such as a contract with XXXX XXXX XXXX account number XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX KS XXXX.
Product: Credit reporting or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. 
XXXX XXXX XXXX XXXX XXXX XXXX {$19000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$2700.00} XXXX XXXX XXXX XXXX XXXX XXXX {$570.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$2700.00}.
Product: Checking or savings account

To whom it may concern : My name is XXXX XXXX XXXX XXXX. I'm writing this complaint to find if my mother " { XXXX XXXX XXXX } who is deceased since XX/XX/XXXX, had these two IRA accounts closed out. I just found them my parents ' house when we were cleaning out boxes of their property. 
My parent 's address was XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX this will be name and address on the two IRA accounts that I have, and account numbers are on next page of your letter. 

I wrote to the office of the Comptroller of Currency, and they directed me to write to your office. 

Both my parents are deceased now, and I am the only child. My dad passed away XX/XX/XXXX, his name was XXXX XXXX XXXX. 

The accounts are from XXXX and were both with XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX. Since then, the bank was changed several times and most recently is under name J. P. Morgan Chase. 

I tried the local branch but wasn't successful in getting help. 
I have both books and account numbers if needed. 

Please see if you can help me find out if they were closed or not and how to get funds back if they are still open. 

Thank you XXXX XXXX XXXX XXXX.
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 consumer rights to privacy and confidentiality under 15 U.S.C. 1681. 
XXXX account # XXXX XXXX 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
Product: Credit reporting or other personal consumer reports

Hi, I am writing to describe an apparently widespread problem with logging in to Experian 's website to manage credit freezes. I just tried unfreezing my credit with all three major credit bureaus, which I have done successfully in the past. I had no trouble with XXXX and XXXX but ran into extensive problems logging into Experan 's website. Upon XXXX it, there are multiple forum posts across the web from users experiencing similar issues : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Along with this article ( linked in one of the threads above ) about how hackers can easily change the email address on an Experian account to take it over : XXXX XXXX XXXXXXXX My issue so far is similar to the one described in the XXXX XXXX  : 1 ) The username and password that I am 99.999 % sure are correct did not work to log in to the site 2 ) Attempting to recover my account with my DOB and SSN did not work because it said they did not match 3 ) Attempting to recover my account with a verification code sent to my phone number did not work, I asked it to resend the code multiple times and never received a text message ( note that many of the comments in the forum posts linked above mention recover emails never coming through ) Obviously this is infuriating for people who have to waste hours on the phone to recover accounts, especially because it looks like this issue has existed for at least two years.
Product: Credit reporting or other personal consumer reports

( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am writing to file a formal complaint regarding inaccurate and incomplete reporting of a debt on my credit reports, and the failure of the creditor and credit bureaus to meet the requirements set forth under the Fair Credit Reporting Act ( FCRA ) and the Metro 2 reporting guidelines. Despite the fact that this debt was removed from my XXXX credit report in XXXX due to the creditor 's failure to meet these legal requirements, the debt continues to appear inaccurately on both my XXXX and TransUnion credit reports. 

I have disputed this item multiple times with all three credit bureaus. However, the item continues to appear on both XXXX and TransUnion with inaccurate information, including inconsistent balances, incorrect account statuses, and incorrect payment histories. This inconsistency violates my rights under the FCRA, which mandates that information reported on my credit file be accurate and complete. 

Under Section 605 of the FCRA, inaccurate or unverifiable information must be removed from a consumers credit report. Furthermore, Section 623 requires that information furnished to credit bureaus must be accurate and comply with industry reporting standards, such as the Metro 2 format for credit reporting. The discrepancies between the information reported on each bureau suggest that the creditor is failing to meet the necessary standards of accuracy and completeness. This includes failure to report in the proper Metro 2 format, which is a crucial element in ensuring the accurate transmission of information to credit bureaus.

In addition, the failure to resolve these discrepancies violates Section 611 of the FCRA, which requires credit bureaus to ensure the accuracy of information on a consumers credit report after a dispute. Since these errors persist despite previous disputes, the data furnisher ( the creditor ) has clearly failed to comply with the reporting requirements outlined in both the FCRA and Metro 2 guidelines. The continued presence of inaccurate information on my credit report is causing significant harm to my credit score and financial well-being.

The reporting of an account as both a collection account and an open account violates the Fair Credit Reporting Act ( FCRA ), specifically Section 605, which requires accurate reporting of account status, and Section 623, which mandates that data furnishers ensure the information they report is complete and accurate, as well as Metro 2 guidelines for proper account reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Please take notice of my intent to sue. In previous month, I requested the removal of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or response which I classify as frivolous, you have dishonored FCRA regulations and my request for verification. If you wish to correct this dishonor, I will give you one more chance to delete your errors and remove my records. Please take off the accounts, which you have failed to provide proper verification and another bureau has found to be inaccurate. You have 30 days to delete the accounts listed below : XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurately. I had two late payments on an account that I was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy.This account has not been late on payments I've attached a copy of my report to this complaint on the following dates ( XX/XX/year> and XX/XX/year> ) Im now requesting you investigate this account and update these payments to paid on time immediately. Thank you for understanding and prompt action.
Product: Debt collection

This was not sent in error, I am a consumer by law and my information was misused and now I have some false not 100 % accurate accounts on my credit report. Unauthorized use of my credit report. Only your company is reporting this inaccuracy Here again is the incorrect information being reported : ENHANCED RECOVERY CO L XXXX Balance : {XXXX}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is reporting on my credit since 2012 for an item that is NOT mine. I have requested proof multiple times and have been disputing it for months and months with the bureaus and none of them have provided proof that it is mine.

For one the debt is old and past the statute of limitations for 2 it is NOT mine!

Unless they can provide a signed contract by me then it needs to be deleted.

For the bureaus XXXX XXXX  IS NOT VALID VERIFICATION!!! Im so tired of these entities being able to do what they want. I need this removed!