23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Failure to review and send change of mortgage hazard insurance in a timely manner To whom it may concern : I sent pdfs last week to your company of my interactions with PHH mortgage company since XX/XX/XXXX. 

Upon refinancing my current mortgage in XX/XX/XXXX, I was rushed through the process of closing and not informed of the change of payment for my hazard insurance at the time of closing. 

Since I did not know my hazard insurance would not come out of my monthly mortgage payments, as was done previously, I did not pay the policy. 

My hazard insurance ( XXXX ) was unaware of the change as well and sent payments to PHH requesting that the company pay the insurance fees or sent documents to the mortgagee ( myself ). 

I assumed the mortgage company would be paying it, and the mortgage company ( PHH mortgage ) assumed I would be paying it. 

The mortgage company did not inform me of this change or of their receipt of request for payment from XXXX hazard insurance and the insurance policy lapsed for a total of 10 months. 

CA law states that a customer or policy holder should be notified at least 45 days in advance of insurance being canceled or lapsing in payment. The law states that the mortgage company must send a written document stating the possibility of placing a forced paid insurance to cover the lapse. I did not receive such notice. Nor was I aware that the mortgage company was not paying the bill sent by XXXX insurance to them. 

I never received a bill for insurance or a forced paid hazard insurance letter from either XXXX insurance or PHH mortgage at the time of insurance cancellation ( XX/XX/XXXX ). 

I received notice of cancellation of my policy 10 months later, in XXXX of XXXX, of which I immediately renewed and fixed the problem. 

I am consistently a reliable policyholder who pays on time monthly. I was also proactive in renewing my insurance policy, as it was renewed immediately upon knowledge that the change in payment had been made in XX/XX/XXXX. 

The lapse of insurance would not have happened in XX/XX/XXXX if I was made aware by both the insurance company and PHH mortgage company. 

PHH mortgage 's refusal to take ownership and penalize me for the lapse of insurance policy, a policy I was unaware had lapsed, is inexcusable. 

The company was given ample time by XXXX insurance to provide me with the renewal bill sent to them, both in XX/XX/XXXX and XX/XX/XXXX. 

Instead, they waited 10 months until it was too late for me to keep my insurance current, costing me a higher insurance fee and, now penalizing me of a {$1000.00} fee of backpay insurance for their error.
Product: Prepaid card

I'm sorry for bothering you again but the same thing happened. Someone used my card to buy lottery early in the morning again. And this time I just want to cry because now my XXXX XXXX XXXX gift from XXXX won't arrive next week. If you can please fix it again I would really appreciate it and if possible can I restrict all purchase except for XXXX, XXXX XXXX, and XXXX XXXX, or I guess just XXXX since I could probably just buy funds for a few games on there. I'm so sorry for bothering you again I'm just really upset
Product: Credit reporting, credit repair services, or other personal consumer reports

EXPERIAN - Today I received a report from Experian notifying me that my Fico Score had dropped 23 points since my last report. This makes no sense since the only change is adding a credit card from XXXX XXXX. Additionally, I have supplied information on PreAuthorized Checks for XXXX XXXX that can not be refuted. This unrefutable information was ignored by XXXX, Experian, XXXX and XXXX. This report also states three ( 3 ) late payments, the only late payments that are under dispute are XXXX XXXX  and XXXX XXXX. XXXX was investigated by the FBI and found to have forged documents. I have attached information for review and request an explanation.
Product: Debt collection

As per complaints : XXXX where you stated ALL COLLECTIONS WILL BE REMOVED FROM CREDIT REPORT, Complaint : XXXX where u state you will no longer persue collections, I NEED COMPANY TO PROVIDE CLARITY - WHEN WILL THEY BE DELETED??????? 

1 ) this is one account is from over 10+, almost 13 years ago and and can not be placed in credit report. It has been closed since then. so your documents provided are irrelevant and recent dates are frivolous 2 ) it is ILLEGAL to reset dates on account to reflect recent activity, add multiple accounts, and manufacture new dates as to cheat statute in order to collect. 

Companies recent claim is that they will no longer persue collections said language is UNCLEAR,  however. They were never supposed to put accounts on credit report as multiple accounts and fake dates in the first place. 
I need WRITTEN CLARITY THAT THESE ( All ) will be deleted from credit report as per Company response in first complaint. Why are they multiple accounts on report in first place with varying dates. Also, company submits account from XX/XX/2006 OVER 13+ years ago. Second document of fees is fraudulent, as account has been closed over 10 years. 

So, as per you first response, I AM STILL WAITING FOR ALL ITEMS TO BE REMOVED FROM CREDIT. YOU HAVE ONLY REMOVED ONE. 

PLEASE CLARIFY YOUR LANGUAGE IN RECENT RESPONSE AND BE EXACT AS TO YOUR RESPONSE. I AM SIMPLY ASKING YOU TO DO WHAT YOU SAID YOU WOULD DO IN FIRST COMPLAINT SUBMITTED IN XX/XX/XXXX. 
I WILL CONTINUE TO PERSUE ALL AND ANY AVENUE UNTIL THIS HAS BEEN RIGHTFULLY RESOLVED. I HAVE BEEN WAITING PATIENTLY AND STILL GOING BACK AND FORTH UNBELIEVABLE. 

Its illegal for company to try and cheat statutes in order to force collection.YOU KNOW THIS
Product: Credit reporting or other personal consumer reports

I called the banks listed on the credit report to report fraud. My roommate stole my social security number and used it to open credit card applications. I have a police report number XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of Identity Theft as well as several Data Breaches. The latest being XXXX  XXXX XXXX. The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting several in errors which have hurt my credit score I value. Please block, remove or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable  conclusion has been determined.
Product: Mortgage

Servis One Inc dba BSI Financial and XXXX Mortgage increased my monthly payment without cause or reason. They decided themselves that my property taxes would be increasing in 2016 even though the County Treasurer has not issued tax bills for 2016. They arbitrarily selected an amount of {$1200.00} as my new property tax amount and said I had an escrow shortage of {$1500.00} as a result. My monthly payment was increased from {$670.00} to {$890.00}. I have made 5 attempts to contact them by telephone without success. The recording says they are experiencing an increased call volume and disconnects after 15 minutes unless a voice mail is left. I have left 3 voice mails and my calls have not been returned. 
Next, the recording says " Under Federal Law we are required to inform you that BSI Financial is attempting to collect a debt and any information obtained will be used for that purpose. '' My account is not past due and is not is collection process. I am calling them to question my account. They are not calling me. In the past when I have reached a real person this same statement is read to me. I am calling my mortgage company, not a collection agency. None of the mortgage companies I have had in the past use such a derogatory statement. I find this offensive and believe it is unlawful for them to make such a statement when I am initiating the call to my mortgage company. 
Third, all of the tax payments that have been made on my behalf from my escrow account have been paid late. As a result I have been assessed interest and late fees by the County Treasurer. These fees have been paid from my escrow account. This company has tarnished my credit rating by paying the tax bills late and has mis-used my escrow account by taking the late fees and interest from my escrow account when in fact they were at fault for making late payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is reporting a collection from XXXX XXXX XXXX that I didn't sign for!!!!! 
they are also reporting the collection as an open account and a balance that changes often!!! 


Equifax is reporting 2 late payments to my report I disputed the child support ones from XXXX there are almost XXXX of them but I have had a wage attachment from my job since XXXX I sent them proof of this with my paystubs and sent more than XXXX letters nothing has been done the second late payment was for a credit card I was out of the country on a personal family emergency my sister was XXXX in XXXX I tried to transfer money to pay the statement bill it wouldn't let me because I was out of the country they thought it was fraud i understand that but not my fault
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently sent letters over 60 days ago to these bureaus and they are disregarding regular consumer disputes. I've sent multiple letters before this with no response and it has created a very stressful situation. The statute of limitations for the state of New Jersey have expired.
Product: Credit reporting or other personal consumer reports

As per the Fair Credit Reporting Act ( FCRA ), outlined in 15 USC 1681, it is imperative that consumer reporting agencies uphold their responsibilities with fairness, impartiality, and a deep regard for consumer privacy, as stated in 15 USC 1681 section 602 ( a ). XXXX, XXXX, and TransUnion function as consumer reporting agencies, while I am the XXXX. My right to safeguard my private information from dissemination is supported by 15 USC 6801, which underscores the obligation of financial institutions, including ( Furnisher of information to credit agencies ), to respect customer privacy and safeguard nonpublic personal information.

Referring to 15 USC 1681 section 604 ( a ), section 2, it is established that any consumer reporting agency may only furnish a consumer report with the written instructions of the concerned consumer. Both ( Furnisher of information to credit agencies ), the financial institution, and the consumer reporting agencies, XXXX, XXXX, and TransUnion, lack my consent, which includes verbal, non-verbal, written, implied, or any other form, and I hereby revoke any and all such consent. 

According to 15 USC 6802 ( b ) ( c ), a financial institution can not disclose nonpublic personal information to a nonaffiliated third party without providing the consumer an explanation of how to exercise the nondisclosure option. Unfortunately, ( Furnisher of information to credit agencies ) never informed me of my right to exercise this option.

Moreover, 15 USC 1681C ( a ) ( 5 ) explicitly prohibits consumer reporting agencies from including adverse items of information in consumer reports without authorization. This account, reported as an adverse item without my permission, violates this provision. 

Under 15 U.S. Code 1681s2 ( A ) ( 1 ), it is unlawful to furnish inaccurate information to consumer reporting agencies. XXXX, XXXX, and TransUnion are failing to maintain reasonable procedures in line with this requirement. 

Additionally, 15 U.S. Code 1681e mandates that consumer reporting agencies maintain reasonable procedures to avoid violations of section 1681c and limit the furnishing of consumer reports to the purposes listed under section 1681b. XXXX, XXXX, and TransUnion are not adhering to these standards. 

In accordance with 12 CFR 1016.7, I am exercising my right to opt out of reporting services for the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

VALIDATION AND CEASE AND DESIST Collection agency name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, FL XXXX Account number : XXXX Your NAME : XXXX XXXX Your address : XXXXXXXX XXXX XXXX XXXXXXXX NY XXXX XXXX Dear ( XXXX XXXX ) I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. 
Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor.

Please cease and desist from collecting on this debt until you have provided validation of the debt.

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt.

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so.

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt.

Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called Experian to let them know there are 2 incorrect addresses on my credit report and they have yet to have the addresses removed.
Product: Money transfer, virtual currency, or money service

I am a XXXX and I was checking to see if my paycheck was in my account this morning only to find that I was at a negative - {$540.00}. My rent and bills are due soon! I then went on to discover that I had been charged fraudulently by Coinbase.com nearly {$4500.00} w including an insane amount of non-sufficient fund fees from my bank. I think if I had even more money, this scam would have taken even more of my money. It was only when I was sucked completely dry of all available USD that my account was frozen from my bank. From what I can see as of right now I have the following scam charges from coinbase.com .... ( I am only assuming these as of now, but there could be more ) the list of transactions are as follows : XX/XX/XXXX PAYROLL/ACH + {$2200.00} - {$540.00} XX/XX/XXXX COINBASE TRAV FUN CHEAPSIDE XXXX DEBIT CARD FEE - {$1.00} - {$2700.00} XX/XX/XXXX COINBASE TRAV FUN CHEAPSIDE XXXX DEBIT CARD - {$200.00} - {$2700.00} XX/XX/XXXX COURTESY PAY FEE - {$32.00} - {$2500.00} XX/XX/XXXX COINBASE TRAV FUN CHEAPSIDE XXXX DEBIT CARD FEE - {$2.00} - {$2500.00} XX/XX/XXXX COINBASE TRAV FUN CHEAPSIDE XXXX DEBIT CARD - {$270.00} - {$2500.00} XX/XX/XXXX COURTESY PAY FEE - {$32.00} - {$2200.00} XX/XX/XXXX COINBASE TRAV FUN CHEAPSIDE XXXX DEBIT CARD FEE - {$0.00} - {$2200.00} XX/XX/XXXX COINBASE TRAV FUN CHEAPSIDE XXXX DEBIT CARD - {$100.00} - {$2200.00} XX/XX/XXXX COURTESY PAY FEE - {$32.00} - {$2100.00} XX/XX/XXXX COINBASE TRAV FUN CHEAPSIDE XXXX DEBIT CARD FEE - {$0.00} - {$2000.00} XX/XX/XXXX COINBASE TRAV FUN CHEAPSIDE XXXX DEBIT CARD - {$100.00} - {$2000.00} XX/XX/XXXX COURTESY PAY FEE - {$32.00} - {$1900.00} XX/XX/XXXX COINBASE TRAV FUN CHEAPSIDE XXXX DEBIT CARD FEE - {$6.00} - {$1900.00} XX/XX/XXXX COINBASE TRAV FUN CHEAPSIDE XXXX COURTESY PAY FEE - {$32.00} - {$1900.00} XX/XX/XXXX COINBASE TRAV FUN CHEAPSIDE XXXX DEBIT CARD - {$820.00} - {$1900.00} XX/XX/XXXX COINBASE TRAV FUN CHEAPSIDE XXXX DEBIT CARD FEE - {$5.00} - {$1000.00} XX/XX/XXXX COINBASE TRAV FUN CHEAPSIDE XXXX COURTESY PAY FEE - {$32.00} - {$1000.00} XX/XX/XXXX COINBASE TRAV FUN CHEAPSIDE XXXX DEBIT CARD - {$740.00} - {$1000.00} XX/XX/XXXX COINBASE TRAV FUN CHEAPSIDE XXXX DEBIT CARD FEE - {$8.00} - {$300.00} XX/XX/XXXX COINBASE TRAV FUN CHEAPSIDE XXXX DEBIT CARD - {$1000.00} - {$290.00} XX/XX/XXXX COURTESY PAY FEE - {$32.00} {$700.00} XX/XX/XXXX COINBASE TRAV FUN CHEAPSIDE XXXX DEBIT CARD FEE - {$8.00} {$730.00} XX/XX/XXXX COINBASE TRAV FUN CHEAPSIDE XXXX DEBIT CARD - {$1000.00} {$740.00} XX/XX/XXXX COINBASE TRAV FUN CHEAPSIDE XXXX DEBIT CARD FEE - {$3.00} {$1800.00} XX/XX/XXXX COINBASE TRAV FUN CHEAPSIDE XXXX DEBIT CARD - {$380.00} {$1800.00} Please help, I can't buy food, I can't pay rent, I can't do anything. I am scared.
Product: Debt collection

We have health exam that arrange by my family doctor, that doctor said our insurance covered, after 6 months, we received a bill from XXXX XXXX, if some blood test not covered by our insurance, the lab should notice me. we should be have a right to rejected? 
we tried to contact XXXX  XXXX customer service never contacted, always waiting on line for over 30mins, no one answered the phone and email, we are working, can not waiting on phone during the work. 
XXXX XXXX sell debts to Radius Global Solutions LLC. 
They provided disputes electronically at XXXX I email them about the issue. And contact about solutions, they said they didnt receive my email. I did sent to them 7 times. 
How can you Help me for this issue
Product: Credit reporting, credit repair services, or other personal consumer reports

Whom It May Concern ; I received a copy of my credit report and found the following item ( s ) to be in error. 
Please delete the following mis-reporting or not proven compliant, alleged information found on my credit report ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX  XXXX  XXXX  XX/XX/XXXX TransUnion XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX  XXXX  XX/XX/XXXX TransUnion XXXX XXXX XXXX  XXXX XX/XX/XXXX TransUnion I did not authorize or sign for any of these inquiries and by the provisions of the Fair Credit Reporting Act, I demand these items be investigated and removed from my credit report. It is my understanding that you will recheck these items with the creditor who has pasted them. Please remove any information that the creditor can not verify. I understand that under 15 U. S. C. Sec. 1681 ( a ), you must complete this reinvestigation with 15 days of this receipt of this letter. 

Please send an updated copy of my credit report to the above address. Accounting to the act, there shall be no charge for this updated report. I also request that you please send notices to anyone received my credit report in the past XXXX months. 
Thank you for your time and help in this matter. 

Sincerely XXXX XXXX XXXX
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, Account number : XXXX. 
XXXX. XXXX XXXX XXXX, Account XXXX. 
XXXX. XXXX XXXXXXXX, Account number : XXXX, XXXX. XXXX XXXX XXXX, Account number : XXXX XXXX. XXXX XXXX, Account number : XXXX. 
XXXX. XXXX XXXX XXXXXXXX. Account number : XXXX. 
XXXX. XXXX XXXX XXXX XXXX, Account # XXXX. 

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, states a consumer reporting agency can not furnish an 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 and crimes which antedates the report by 7 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 or other personal consumer reports

This CFPB complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within four business days of receiving this complaint. This fraudulent, inaccurate, and false information consists of accounts including XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have 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. These items appearing on my consumer credit report maintained by you were not opened, made, or initiated by me and are all the result of identity theft and fraud. I have also attached a copy of the FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the U.S. Federal Trade Commission that all of the aforementioned consumer credit accounts are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

I appreciate the attention given to rectifying the fraudulent entries within my file resulting from alleged illicit activities. However, notwithstanding your efforts, there remain outstanding items necessitating removal. This communication marks my secondary attempt to address the repercussions of fraudulent activity, seeking to dispute specific entries stemming from said criminal conduct. The disputed items do not correlate with any legitimate transactions or authorized actions on my part, pertaining to the acquisition of goods, services, or financial assets. Regarding the entries within my credit file attributed to the alleged fraudulent activity : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$560.00}. These aforementioned entries are entirely unfamiliar to me. Furthermore, discrepancies exist in the information provided, with instances of data deletion by other bureaus, casting doubt upon their accuracy. The reported payment histories of certain accounts remain shrouded in mystery. Pursuant to FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind, I am within my rights to request the removal of such questionable entries.