23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

XX/XX/XXXX, my escrow account was RE-evaluated. In that, the mortgage company added in an estimate for insurance they would be paying on my behalf, in violation of the closing documents. This caused my escrow payment to increase, as well as my mortgage payment. I called the first week of XXXX when I received the letter informing me of the increase, and was told ( on a recorded-by-them line ) that I was going to have to ask my insurance company for a refund because the mortgage company was absolutely going to buy insurance on my behalf. I then spoke to the insurance department who stated they had no record of me carrying insurance ( despite documentation of policies and coverage being included at closing ). I submitted copies of all policies to all 3 email addresses provided me, with no response. I called my insurance broker to inquire if they had been in contact with the mortgage company, and they provided a list of dates where the mortgage company had reached out and they had responded with documents. They also resubmitted all documents for all policies. I called the mortgage company again today, and the escrow department stated they showed no insurance coverage, so they transferred me to the insurance department who was confused because they see sufficient current coverage through 2024. So back to the Escrow department, where they can now see the coverage and the incorrect impounding for insurance coverage. The escrow department proceeds to tell me that everything we can do to correct this error for you has already been done, but for some reason it hasnt changed. There is a system issue causing a problem. The escrow department then suggested I log into the website and open a complaint on the contact us section, and upload any supporting documentation I have that would help them resolve the issue. 
Meanwhile, I am being asked to *pay more into their accounts than I contractually have to* because of a system error that they can not resolve, with the only remedy available to me is to resubmit everything they already have in their possession and have determined is in order, so they can research this further. 
To recap, they are demanding more money than they rightfully can per the closing documents ; they have investigated and determined that they are in the wrong, and they should not be doing this, per documentation in their possession ; the only remedy available is for *Me* to re-submit all supporting documentation of their error so it can be investigated.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, I checked my XXXX XXXX App and saw a hard inquiry initiated by XXXX XXXX. 

I immediately called the bank along with the credit bureaus to dispute the inquiries. The bureaus acknowledged seeing the hard inquiry done on that date above. 

I also added fraudulent alert to all my bureaus for extra protection. Despite my effort, nothing was done on any of these companies ; XXXX and all the 3 credit bureaus I would like you guys to speak on behalf of me to resolve this issue with all the credit bureaus, Equifax, XXXX, and XXXX. 

Thank you in advance!
Product: Credit reporting or other personal consumer reports

Since XXXX, the company XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, SC XXXX has been reporting in my credit score a debit balance of {$800.00} in the 3 credit bureaus, which is limiting me from opting for a credit of housing which is my right to obtain a housing loan. 
according to the fair credit reporting law. I demand that the account of XXXX XXXX XXXX ACCOUNT NUMBER XXXX ... AND THE ADDRESS XXXX XXXX XXXX XXXXXXXX XXXX  XXXX be reconsidered and evaluated and removed from XXXX, equifax and XXXX, SINCE I HAVE BEEN A VICTIM OF IDENTITY THEFT
Product: Credit reporting or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these accounts as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

PROBLEM : Since XX/XX/XXXX I have been trying to get CitiMortgage to correct my credit reporting for the BIG 4 including XXXX, XXXX and XXXX as promised. I was told once my modification was completed all of my negative reporting would be cleared up as ok. 

I started the process in XX/XX/XXXX and it finally concluded on XX/XX/XXXX with the modification. Immediately, CitiMortgage disbands the division, the employees disappear and my loan is transferred to XXXX XXXX. 

CitiMortgage was practicing the same hanky-panky which got them fined for {$28.00} XXXX by the CFPB ( XXXX ). 

CitiMortgage would start the process, inform me not to make payments, asked for documents and would tell me my credit reports would be cleared for non-payments and changed to OK status. 

I was told throughout the process my credit reports were going to be corrected to show in good standing for every month throughout the process because I was doing everything on my part to get the modification done. 

The process would begin or restart and stop by CitiMortgage after changing agents and using the excuse they had no paperwork, did not receive paperwork or needed other paperwork as I went through XXXX XXXX ( XXXX ), unknown worker ( XXXX ), XXXX XXXX ( XX/XX/XXXX XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX XX/XX/XXXX ) and XXXX XXXX ( XX/XX/XXXX XX/XX/XXXX ). 

CREDIT REPORTING : For CitiMortgage I show over 30 days late for ( XXXX ) XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX and ( XXXX ) XXXX. Also, I am over 60 days late for ( XXXX ) XXXX, XXXX and XXXX. Finally, for ( XXXX ) I am over 90 days late for XXXX, XXXX and XXXX and over 120 days late ( XXXX ) XXXX, XXXX, XXXX and XXXX. 

In addition, despite making payments to XXXX XXXX for {$1300.00} on XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX and {$1300.00} on XX/XX/XXXX ( see XXXX XXXX Statements for payments ), XXXX shows my account being past due on XX/XX/XXXX for over 120 days late for {$16000.00}. 

In my conversations with XXXX, despite knowing payments were made on time starting in XX/XX/XXXX, they will not correct the XX/XX/XXXX negative report. 
Finally, CitiMortgage has had a history of this behavior with their customers. How they are allowed to be in business is a mystery because they dont seem to care. 

OTHER EVIDENCE : 1. XXXX XXXX Statements from XX/XX/XXXX XX/XX/XXXX showing on time payments to XXXX. 
2. Emails with CitiMortgage 3. Emails with XXXX showing CitiMortgage was unresponsive for SIX months from XX/XX/XXXX to XX/XX/XXXX getting XXXX the necessary information to complete the modification. This same lack of responsiveness was also why my information was never changed on my credit reports as I was told it was after the completion of the modification. 
4. Credit reporting from CitiMortgage & XXXX XXXX
Product: Credit card

Aspire credit card sent mail regarding to increase monthly fee and mentioned on the letter that I can object to the charges with stipulation I should make full payment of the credit Then I made calls and tried to settle payment system and paid expected amount to avoid fee. 
However it was also agreed ( per conversation with customer service supervisor at that time that if I pay this coming month certain amount ( approximately {$160.00} something ). 
I thought we resolved the situation by trying to do payment but then I received email demanding payment more than what customer service representative told me with those increased fees.
Product: Mortgage

In Louisiana we have to buy 3 insurances, a wind and hail policy, home insurance and flood insurance. I found an insurance policy from XXXX XXXX  XXXX that provided wind and hail and home insurance for {$3700.00}. The escrow department from Fifth Third Bank got a refund from XXXX XXXX that I cancelled on XX/XX/year>2023 and I provided a refund back to the escrow department and my insurance agent provided the new policy from XXXX XXXX XXXX to the escrow department on XX/XX/scrub> 2023 also. Fifth Third escrow dept rebought XXXX  XXXX XXXX and charged an extra XXXX a month because they didnt discontinue XXXX  XXXX and XXXX Home insurance after repeated attempts to cancel them by two insurance agents and me. As a result, my mortgage payment went from XXXX a month to XXXX a month. I asked the escrow dept if they could take the old charge off and cancel XXXX  XXXX and XXXX Home insurance repeatedly but they didnt. The escrow dept said I had to apply for hardship assistance in order for them to take the old insurance off. The hardship department said I had to apply for a loan modification or deferment. The escrow dept stonewalled me into believing hardship assistance could help. My loan was in forbearance until XX/XX/year>2023. Every time I asked for an update, the loan solution center said it was under review or in forbearance without providing any explanation as to why I didnt qualify for a deferment or loan modification. In XXXX of 2023, with no notice or phone call my loan was put in foreclosure. If I had some kind of notice, I could have paid the arrears off. Now my credit is ruined and I can not pay it off because of high lawyer fees and have no choice but to sell it.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/17 fifth third bank dispute XXXX not my account or correct social security number
Product: Credit reporting or other personal consumer reports

I am writing to formally express my concern regarding an unauthorized hard inquiry performed by American Credit Acceptance on my credit report. This inquiry, which I did not authorize, has negatively impacted my credit score and is causing unnecessary harm to my financial standing.

I have never signed up for any program, loan, or service associated with American Credit Acceptance, nor was I aware of this company prior to discovering the inquiry on my credit report. As such, I believe that this hard inquiry was made in error or without my explicit consent.

The unauthorized inquiry has caused a significant reduction in my credit score, and I am concerned about the long-term effects it may have on my ability to secure credit in the future. Given that I never agreed to this inquiry or interacted with American Credit Acceptance in any way, I respectfully request that the Consumer Financial Protection Bureau investigate this matter and ensure that this unauthorized inquiry is removed from my credit report. 

I kindly ask that this issue be addressed promptly and that I am notified once the investigation is complete, and the inquiry is removed from my credit report. I have attached my credit report with the hard inquiry highlighted for reference. 

Thank you for your attention to this matter. I appreciate your assistance in ensuring that my credit report remains accurate and free from any unauthorized activity.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -51002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within four business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of debt bondage and would like for all listed accounts to be blocked and deleted company information Transunion. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number XXXX XXXX Account Name : XXXX XXXX Account Number : XXXX INQUIRIES : XXXX XX/XX/year> XXXX XX/XX/year>2024 Account Name : XXXX XXXX XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

There is in inquiry on my Transunion Credit Report that does not belong to me. I demand the following fraudulent inquiries be deleted from my Transunion credit report immediately. Please remove the following, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, Thank you XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

See the attached documents. I am a victim of identity theft please remove this fraud inquiry from my credit report.
Product: Credit reporting or other personal consumer reports

I have not supplied under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX | presume that no proof of the alleged debt. Nor therefore any such debt in fact therefore exists. ( Please remove this account before I seek litigation for defamation of character ) XXXX XXXX XXXX Balance {$10000.00}, XXXX XXXX XXXX XXXX Balance {$720.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have previously disputed with XXXX, XXXX  and Equifax on XX/XX/2021 regarding several accounts which I found inaccurate. Up to date, I have received no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reporting badly hurt my credibility. I'm certain that my rights as a consumer protected under the law has been violated by this inaccurate information.
Product: Checking or savings account

I was using chime an a couple XXXX dollars came up missing out of my account. I was in jail when the transactions happened when I got out of jail I reported it to chime. The refuse to give me my money back. U can see where someone sent the money to there self an used my card for many different transactions! They gave me a new card but even with me trying for a couple months to get my money back they refuse to give Me my money. The other day I went to get on to my account an it said its closed because I violated there standards an when I called a couple times to ask why they wont give me a straight answer! They said XXXX receive my balance by check in the mail! I cant even see how much that would be or anything
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

This is the action I have taken listed below as of XX/XX/year>, and XX/XX/year>. 

Subject : XXXX Account | Final Bill and Payment Details Email sent to : XXXX AND XXXX, this is the only email provided for contacting XXXX and XXXX transfers you to XXXX, Transworld Systems Inc. 

I emailed the XXXX final bill and explained the situation and the XXXX Live agent assisted me, concerning the wireless home internet services I canceled within 30 days due to connectivity issues. An attempted payment was made on XX/XX/year>, but it was not processed. I have verified with my bank, and no payment was recorded. 
XXXX XXXX XXXX XXXX was officially canceled on Saturday, XX/XX/year>. 
Despite troubleshooting efforts by XXXX technical support team, the connectivity issues persisted, necessitating the cancellation of services. I promptly returned all three routers via XXXX XXXX as instructed. The final bill reflects a credit of {$64.00}. 
However, upon reviewing the calculations, I believe the balance should be {$92.00}, not the {$88.00} indicated and paid today, with a live agent at XXXX, payment totally in the amount of {$92.00}. 

Today 's XX/XX/year> emails and phone call to XXXX, Transworld Systems Inc. 

Subject : Formal Notice Regarding Fraudulent Billing and Credit Report Impact Dear XXXX, I hope this email finds you well. I am writing to bring to your attention a serious matter concerning fraudulent billing by XXXX, which has had a significant impact on my credit report. 

Recently, I received a final bill from XXXX that included charges I did not incur. Despite my efforts to rectify this situation, the fraudulent billing was reported to all three major credit bureausXXXX XXXXXXXX, and XXXXresulting in a major negative derogatory mark on my credit report. As a result, my credit score has plummeted by XXXX points. 

This situation has affected me personally, and I believe it constitutes defamation. I am left with no choice but to seek legal counsel to address this matter promptly. 

I kindly request that you investigate this issue thoroughly and take immediate corrective action. Additionally, I expect a written acknowledgment of receipt of this email and your commitment to resolving the fraudulent billing and its impact on my credit. 

Thank you for your attention to this urgent matter. I look forward to a prompt resolution.
Product: Consumer Loan

I guaranteed a company auto lease in XXXX with XXXX, the lease was for XXXX months and ended in XXXX XXXX. I made most payments on this lease because the company was not financially able to make them. In XXXX XXXX XXXX wrote me stating that a payment was due and I should remit it to them. I called XXXX stated that the lease has ended and that I no longer was associated with the firm, the response was that they extended the lease without informing me and that as long as the lease number did not change I was responsible. I stated that I did not authorize this extension and would not be responsible. 
Since that date the lease has been extended 3 times for a total of XXXX months without informing me, each time the company defaults they contact me and I repeat my original statement. XXXX has reported me as paying late to the credit reporting agencies damaging my credit rating. 
I have asked for copies of all signed documents and phone records relating to this lease and XXXX has refused to provide them. 
I do not believe that a 3rd party can obligate me without my knowledge or consent for a term now 50 % longer than my original commitment when XXXX was aware that this party was not credit worthy.
Product: Debt collection

This collection agencies calls me throughout the day at my home and on my cell phone. I know that I owe XXXX XXXX and I am making every afford to pay them.
Product: Credit card or prepaid card

I received my JC Penney credit card within the past week or so, and after closer inspection of my welcome packet I noticed that the information sent to me was in Spanish. 
I do not speak Spanish, and have a hard enough time with the English language to take on another language. So I called the customer service number on the back of the card and asked to speak with a supervisor. 
I did not write down her name but I had to go through other people to get to the supervisor. The phone call was placed on XXXX XXXX, 2017 at XXXX XXXX PST and lasted for 13 Minutes and 26 Seconds. I explained the situation and asked that the information that was sent be re-sent in the English version. I was informed that that was not possible, as they do not resend welcome packets, but I could go online and read the information online. 
I told the supervisor that that was unacceptable and that since I could not read the information sent to me that I was not liable for the charges. I did make charges to my card on the XX/XX/XXXX using the temporary card that was provided on opening the account. 
Supervisor claimed that I selected Spanish while opening the account. I can state for a fact that I did not select Spanish. Customer Service person may have but I did not. I also asked for a {$50.00} credit to my account for my inconvenience, and this was refused. 
I was told that going forward all correspondences would be in English, however the important information and coupons sent would not be re-issued in English. 
You may want to ask them to pull my phone call see above for time and time call was placed and for duration of phone call.
Product: Debt collection

I contacted the company and was given the run around about I opened it in 2009 and paid it but now it came back. Tried to asked for documentations but they stated they dont have it
Product: Money transfer, virtual currency, or money service

year XXXX XXXX sent XXXX without verifying XXXX sent XXXX without veiryingif its the right person
XXXX sent XXXX  without verifying XXXX sent XXXX  without verifying
Product: Credit reporting, credit repair services, or other personal consumer reports

The account with NETCREDIT account ID XXXX was paid in full with home the refinance XX/XX/2019. The company continues to report the account as past due XXXX which is a lie. Recently I contacted NET CREDIT and received an email regarding account ID XXXX stating I was due an overpayment of XXXX from the payoff. However When I pulled up the contract, they have stamped the account paid in full XXXX. I have not paid any funds or paid any amount since the account was paid in full XX/XX/2019 and was a current account. This company has me past due for 28 months after the account was paid in full. I have the paid check from the attorney, the email that they owe me money, and a stamped PAID contract with the incorrect date. This date of XXXX is a lie and they are misrepresenting the date of payoff and also, How could I be late when they have sent me an email stating they they have been trying to send my a refund check. If they were over paid during the refinace how can they continue to show that I am late. This company if NOT following the guidelines for Fair Credit reporting and. I have contacted all XXXX credit bureaus and XXXX said that the dispute is closed due to the company report the balance of XXXX as correct and I also sent them documentation but they will not do anything about it. I told XXXX that I was report their action too of not following up with the documentation sent to them to have the account corrected or removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following items are not mine : XXXX XXXX - Bal : {$59.00} ; this is not my account and this account is a result of identity theft. 


I was never 30 days late on the following accounts : XXXX XXXX - Opened XX/XX/2018