23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Freedom Mortgage Corporation has purchased my 15 year FHA mortgage with in the last year. I received notice in XXXX that my mandatory flood insurance was going to expire on XX/XX/22 and the mortgage company had not paid the renewal from my escrow account. I contacted Freedom Mortgage through their message center online on XX/XX/22 and XX/XX/22. They replied on XX/XX/22 saying that they were preparing the escrow account for payment of renewal. I got a letter on XX/XX/22 saying that they will not accept my flood policy because it was private flood insurance. I called on XX/XX/22 to try and resolve this issue and let them know that it is unacceptable to give only one day notice. Also that they should not have bought a mortgage that they did not accept the terms that were agreed upon when I got the mortgage. The coverage i had was about {$1100.00} a year. Equal coverage that they accept was over {$5000.00} a year. I had to get the absolute least amount of coverage with the highest deductible allowed to be able to afford it. My deductible went from {$2500.00} to {$10000.00}. I asked customer service, the insurance department, and the mortgage department to please Email me all of the documents they have on my file and explain how this was legal. I have not gotten a response.
Product: Debt collection

XXXX XXXX, XXXX. Sent a letter claiming they can sue me for the balance if I fail to dispute the debt. They also stated a settlement offer in the letter and threatened that they are not required to make this offer in the future. 

The balance is {$8700.00}. This letter was sent on XX/XX/2020. 

This debt has been disputed and removed from my credit report at all three bureaus under a separate debt collector company called Jefferson Capital Systems , LLC. 

The new debt collector XXXX XXXX is attempting to collect an invalid debt that has been resolved.
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 And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report : XXXX XXXX XXXX  XXXX XXXX XX/XX/year> Experian 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

I have contacted Experian several times explaining that incorrect information is being reported in my name. I have never filed for Bankruptcy and I am asking that this information along with all the accounts saying included in bankruptcy be deleted & blocked from my credit report. I have sent information along with a letter from the courts saying that they do not verify or report to any credit bureau. Please delete this information.
Product: Credit card or prepaid card

This is the 2nd time in the past 3 weeks that Chase Bank has improperly made a payment to itself from my checking account and overdrawn my checking account. Despite the fact I was no where near a computer or phone at the time they're saying, they say that someone must have logged into my account and paid off my balance. I've never had autopay. The previous incident I had to have my bank put a stop payment on the payment because they erroneously tried to charge my for something I didn't authorize. Later, I had to remove a stop payment so I could make a normal payment. Chase reversed the actual payment I scheduled and instead put it upon themselves to take everything out of my checking account without my authorization. I looked into my account where it shows logins and IP addresses associated with such and there's nothing for the time and date in which they're claiming that someone logged in and made this random payment. How can that be so? Chase is failing to address this issue in a timely manner and they are also failing to admit fault when this is clearly an issue that they have caused twice. Now, going into the weekend I was told that I won't be called today but probably Monday or Tuesday. This is unacceptable and unprofessional. Their error should take top priority in fixing and remedying the situation, instead they have me on the phone for 2 hours, say sorry, and then hang up
Product: Credit reporting or other personal consumer reports

XXXX, XXXX, and Experian are all third parties. I was not told that my nonpublic personal information would be given to a third party, nor was I given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party, nor was I given an explanation of how I, the consumer, can exercise the nondisclosure option Per 15 USC 6802. While looking at my credit reports I found that XXXX XXXX XXXX XXXX account ending in XXXX, the XXXX XXXXXXXX account ending in XXXX, the XXXX Milestone account ending in XXXX, and the XXXX XXXXXXXX auto finance account ending in XXXX all have my transaction history listed. Per 15 USC 1681a a consumer report DOES NOT include any report containing information such as transactions or experiences between the consumer and the person making the report. Also the accounts from XXXX XXXX XXXX ending in XXXX and XXXX, along with the XXXX XXXX XXXX XXXX account ending in XXXX and the XXXX XXXX bank card services account ending in XXXX have all been charged off. Per topic no. XXXX, canceled debt on the irs.gov website if your debt is canceled, forgiven, or discharged the amount of the canceled debt is taxable and you must report any taxable amount of a canceled debt as ordinary income. Which means that charge offs are counted as income and income SHOULD NOT be reported on a credit report. Per the privacy act of 1974 No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains.
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX 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 or 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 calls to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent account in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any account listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of account/item which do not belong to me or were opened without my permission. 

XXXX XXXX Date Opened : XX/XX/2018 Balance : {$9200.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Prepaid card

I believe Netspend is using spam-like or otherwise deceptive practices to gain prepaid debit card users. Over the last month, I have received close to XXXX XXXX letters from Netspend. All have my physical mailing address but are addressed to other people. 

Starting on XX/XX/XXXX through to today, I have tried working with Netspend directly to remove myself from their mailing list. It is clear that Netspend 's internal business practices do not have logical tests, such as whether this address is valid for the person 's name. Clearly opening close to XXXX XXXX accounts associated with XXXX address should have been an internal controls flag. Further, the fact that I have tried emailing with Netspend and continue to receive letters shows that something is wrong with their account opening process.
Product: Student loan

I have 5 loans and together it has left me with $ XXXX in debt. I would like to pay for the true value of my degree and not the inflated rate set by the universities. I would like for my loan amount to be reduced or to apply for loan forgiveness / bankruptcy. Private loan companies shouldnt charge me more than I make a year and that has to be accounted for. I need a way to consolidate my debt. 1 of my loans was also sold without my knowledge and XXXX XXXX hasnt been able to produce proof of the sale or put me in contact with the company it was sold too. XXXX XXXX essentially diversified my loan to a different company to make money off of it. Many of my loans also do not add up. I graduated college XX/XX/XXXX. My payments are suppose to begin 6 months after that date. My payments began XX/XX/XXXX. It is currently XX/XX/XXXX and my loan had jumped {$8000.00} in 2 months? I feel like XXXX XXXX is not tracking properly.
Product: Debt collection

Enhanced Recovery is stating I opened an account with XXXX XXXX XXXX in XXXX of 2022  and I never opened an account with XXXX XXXX XXXX in XXXX of 2022. I want this deleted from any credit report this affects because it is incorrect and the allegation is false. 

I, XXXX XXXX, a consumer, am notifying you that I dispute the debt pursuant to 15 USC 1692g. The one listed on my credit profile states it was opened XX/XX/2022 and the amount says {$1100.00} with a contact address of XXXX XXXX XXXX XXXX, FL. XXXX. It is alleging I opened an account with XXXX XXXX XXXX in XXXX of XX/XX/XXXXand I need you to provide me the notarized contract proving this and as you know, it must include my wet signature. 
I do not recognize how this account is reporting on my credit report. I do not recognize the account number ; I do not recognize the account status. I also do not recognize the account high balances, nor the late payments associated with this alleged debt. I REQUEST THAT YOU PROVIDE TO ME VALIDATION OF THE ALLEGED DEBTS. VALIDATION CONSISTS OF FORMAL DECLARATION IN WHERE YOU SWEAR TO THE TRUTHS OF THE STATEMENTS OF THE FACTS OF THE MATTER, HAVE FIRST-HAND KNOWLEDGE AND IT MUST BE NOTARIZED. IT ALSO MUST HAVE A COPY OF MY WET SIGNATURE. 
Since this alleged debt is disputed pursuant to the Fair Debt Collection Practices Act, you are required to cease all collection of these alleged debts which includes reporting to my consumer report with XXXX, XXXX, AND XXXX. 
I hereby inform you that you do not have my consent to communicate with me through any medium whatsoever. Furthermore, I DID NOT consent to you having my personal and private information. This constitutes aggravated identity theft. I also DID NOT consent to you reporting information in my name to the consumer reporting agencies. 
You are in noncompliance with the Privacy of Consumer Financial Information Rule of the Gramm Leach Bliley Act for sharing my nonpublic information to nonaffiliated third parties and not providing me a notice that complies with section 6803 and giving me the opportunity to opt out pursuant to 15 USC 6802.

I request that you provide me the Aggravated Value of Purchase showing how much you were paid for this debt. IT IS A MATERIAL MISREPRESENTATION FOR YOU TO ATTEMPT TO COLLECT ANY MONEY FOR THIS DEBT WHICH IS FRAUD UPON THE COURT AND IS FALSE AND MISLEADING. 
THIS IS A WARNING! YOU HAVE VIOLATED MY RIGHTS AS A CONSUMER AND IF YOU DO NOT CEASSE ALL COLLECTION ACTIVITIES AND REQUEST FOR THIS ACCOUNT TO BE DELETED FROM MY CONSUMER REPORT, I WILL COMMENCE A CIVIL ACTION AGAINST YOUR COMPANY, IN THE UNITED STATES DISTRICT COURT. 

Sincerely, XXXX XXXX
Product: Payday loan, title loan, personal loan, or advance loan

On XX/XX/2023 I got a loan of {$300.00} from XXXX XXXXXXXX XXXX. On XX/XX/2023 I went to their website and saw my loan pay-off amount was {$290.00}. I paid that amount using my debit card. A few hours later I got a notification that XXXX XXXXXXXX XXXX took out {$100.00} from my account. I called XXXX XXXXXXXX XXXX to find out why the {$100.00} was taken out of my account. I was told that since my account had a scheduled payment amount of {$100.00} {$8.00} for XX/XX/2023, it was taken. I asked that since my loan had been paid off in full will I get my money ( {$100.00} ) back. They said no. 

This is why I'm filing a complaint. I think they are wrong for keeping that ( {$100.00} ) money. I don't think I will ever get the money back, but this is the only way I can think of to express my anger to this company. 

I have borrowed from this company twice before and did not have any problems. 
This number for this loan was XXXX. 

I am a XXXX XXXX XXXX XXXX man on a fixed income.
Product: Debt collection

Discover card keeps hounding me, when payment arrangements have been made with them
Product: Mortgage

I disputed the balance and status of my mortgage lender and servicer on several occasions to various agencies. On XX/XX/XXXX the grantor reported to XXXX Credit Reporting agency that the dispute was settled by the grantor, the balance is zero and the account is closed. I was not aware that the grantor closed the account with a zero balance until XX/XX/XXXX. Ocwen has not updated any bureaus regarding this account since XX/XX/XXXX and Ocwen has decided to Non-Renew its forced placed insurance on the property. Upon finding out about the XXXX balance I contacted the attorney for the lender and its servicer and substitute trustee informing them that the balance was zero and the default no longer existed. I also asked if they were still claiming that a balance was owed that they should notify me. Despite the account being closed with a XXXX balance Ocwen provided a reinstatement amount in excess of XXXX. Since the dispute has been settled and the account closed Ocwen and its agents and officers are violating the law by attempting to collect on an account where there is no balance and the account is closed. In XX/XX/XXXX Ocwen signed a consent order in federal court stating that it would refrain from certain actions and were made to make payments to homeowners that had a valid complaint. I filed my complaint in regards to the National settlement and was awarded a small check. Ocwen has continued with mishandling of this loan despite its consent order.
Product: Credit reporting or other personal consumer reports

My information was exposed in the data breach. My entire life is compromised. 

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

After the breach at XXXX, I wanted to place credit freezes on my reports at the three major credit reporting bureaus using their telephone based systems. XXXX XXXX telephone system did n't work ( surprise! ), but XXXX XXXX did ( at least one company 's systems work! ). I tried TransUnion 's telephone freeze system, but also did not work. ( " Could not verify my information. '' ) So, I logged in to TransUnion 's website, where I clicked on the " credit freeze '' button on their homepage. I proceeded to answer the security and identity verification questions, successfully, and then they asked for a credit card, which seemed normal as I understood that there was a small charge to freeze one 's credit report. I provided that credit card number ( which was accepted ), and the next thing I knew I was prompted to set up an account ( username, password, security question, etc ). So, I set up an account and then all of a sudden it was clear that I had signed up for a credit monitoring service, even though I was never told that I was doing that. Finally, presumably, there 's a monthly charge for this, but that charge was never disclosed. 

All in all, a slick piece of work : instead of getting a credit freeze, which is all I wanted, I was tricked into signing up for credit monitoring at a completely undisclosed price.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX under the account number XXXX a personal loan account opened at XXXX XXXX XXXX XXXXXX/XX/XXXX under the account number XXXX XXXX personal loan account opened at XXXX XXXX XXXX XXXXXX/XX/XXXX under the account number XXXXXXXX XXXX personal loan account opened at XXXX XXXX XXXXn XX/XX/XXXX under the account number XXXX  I've attached a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts as reported. The aforementioned accounts appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts are the result of identity theft and fraud.
Product: Credit card or prepaid card

I have requested one credit line increase on XX/XX/XXXX and I was denied a credit line increase. I requested a credit line increase back in XX/XX/XXXX and was declined after making all my payments on time. I believe this company has abuse it power by this form of action. I am filing this complaint again this company so consumers are aware of company pratices.
Product: Debt collection

Portfolio Recovery Associates has repeatedly attempted to collect the wrong amount of accounts prior with XXXX XXXX. I have no contract with PRA. These were secured accounts and deposit adjustments are not being reported. Furthermore, these accounts are not active revolving credit accounts.
Product: Vehicle loan or lease

Case XXXX Finance Company misapplied a payment sent over the proof of payment provided by the bank. Got charged interest on that misapplied payment that hasnt been cleared by finance company been follow up for 2+ months and havent received my Title. Call was made also and above reference case # was provided
Product: Checking or savings account

On the XXXX XXXX XXXXXXXX, I contacted the Wells Fargo Claims Department to ask for help disputing a XXXX dollar set of transactions. The banker filed the dispute told me my funds would be available within 24 hours. 9 daya have passed and I have not received the XXXX ddollars.I spoke to claims specialist XXXX this past Friday, and she asked me to stop calling, her supervisor said that Wells Fargo will contact me when they need to. I needed this money for my car insurance, but the bankers said they could not loan me the {$500.00}. On the XXXX XXXX XXXXXXXX my vehicle was stolen at XXXX Police made an arrest and found my vehicle but it was totaled. I have no insurance because wells Fargo has my money. I might have to file for bankruptcy because I have no way of paying for all the damage to my vehicle. Today I received a letter from Wells Fargo notifying me my dispute was completed and money was deposited but that is a lie.
Product: Student loan

NELNET has confirmed that they are reporting incorrectly on my student loans. They show delinquent in XXXX of 2013 when in fact the loans were deferred during that time. The credit bureaus fixed one of the accounts but continue to show the other one as delinquent. I finally thought this was resolved only to get my latest credit report with this loan still showing as delinquent. The credit bureaus need corrected information for BOTH loans on this account. The loan with original balance of {$10000.00} has been corrected. The loan on this same account with original balance of {$6000.00} is still showing as delinquent. Please remove this information as promised in your letter attached in this complaint.
Product: Debt collection

I closed my account with my tv provider on XXXX.I returned my equipments on the next business because they were closed on the weekend.Ive paid my bill with the XXXX for 10 years and I never missed any payments with them.I filed complaints against them with FCC to New Jersey office of attorney general.They were not honored a promotion starting from XXXX XXXXAfter that they raised the bill non stop from XXXX to XXXXMy promotion said I have to pay XXXX and now they sent it to collection what I did not know about.I have text messages with their rep who says I do not owe anything after I returned the equipments.I have receipt shows XXXX when I give the equipments back.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several 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 the following items : XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX, XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX