23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

This complaint is in relation to policies for force-placed insurance. I do not have an escrow account on the mortgage as I always pay my insurance premium ( in full ) and taxes on my own. 

As of the first of the year, I switched insurance carriers and messaged Newrez ( the mortgage servicer ) a request for instructions on how to update my insurance information. It has been 4 months and I have not heard back from them. 

I received an email today regarding my " escrow account '' ( which I've never had ) needing to be re-assessed and that my monthly payment would be going up starting XX/XX/XXXX. 

According to section 1024.37 ( regulation X ), they are supposed to reach out to me with a request for the new insurance/proof of coverage, which they have failed to do. I am filing this complaint pre-emptively as proof that I have exercised my due diligence as the consumer in trying to rectify this. 

I spent some time on the phone today and finally tracked down someone at Newrez who provided me the email address for my insurance agent to send the documents to and a number to call back to ensure receipt.
Product: Debt collection

Calls all through out the day Keep calling after I repeatedly ask them to stop Change their numbers to hide themselves
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax &   XXXX   XXXX   shows on my credit report I 've been denied credit as well as opening up a bank account. They mentioned to me these two show and do n't know why but I was denied.
I 've checked my credit report. And it shows everything is closed besides a student loan of   XXXX   who 's payments are current.
Why em i being denied as if I have some collection issues
Product: Credit reporting, credit repair services, or other personal consumer reports

PLEASE HELP! I FEEL HELPLESSLY TAKEN ADVANTAGE OF, BULLIED & MANIPULATED BY XXXX! 

I currently have new information regarding two CFPB complaints ; # XXXX and # XXXX, in which XXXX and PHEAA are taken advantage of me as a consumer and breaking protection laws. XXXX is allowing this fraudulent account to report on my consumer credit report although I have submitted my FTC Report, ID and social security card as proof that this account is fraudulent. I have submitted all of those attachments and evidence of XXXX 's criminal activity. 

I have called on the phone and submitted many disputes since XX/XX/2021, XXXX IS REFUSING to completely remove this account. Instead they are updating it. Fraud is fraud and XXXX is perpetuating this fraud by continuing to report it. 

I SUBMITTED MY FTC IDENTITY THEFT REPORT ALMOST 2 MONTHS AGO.
Product: Vehicle loan or lease

I voluntarily surrender the vehicle to credit acceptance in XX/XX/2022 due to a tragedy I asked for a financial hardship plan due to the tragedy and wasnt given any option the vehicle was sold and the remaining balance of the vehicle is still pending company have not contacted me in reference to resolving issue
Product: Credit reporting

Disputed with the XXXX credit reporting companies XXXX Equifax XXXX XXXX but have not received any final response. While Equifax provided a dispute number others did not. 
XXXX The Issue**On XXXX XXXX 2015, I was looking on line for XXXX plans, to activate my ( I owned XXXX personal phone with a pre-paid or pay as you go plan. I came across XXXX such planwith a monthly {$35.00} fee and no activation fee. I activated it & received an order confirmation ( attached here XXXX with " {$0.00} on fees & $ 35 monthly ''. This was for emergency use by my XXXX yr old son and some how he lost the phone in a week. So on XXXX XXXX, I requested to disconnect & a partial fee request..which should have been ( 10 days XXXX XXXX = {$12.00} XXXX. 
However I ended up receiving an invoice for {$54.00} XXXX that included a {$40.00} activation charge ). 
I have called XXXX & tried to resolve the issue number of times, mentioned about the order confirmation mentioning no activation charges. However they have been adamant and are forcing me to pay the activation fee. Which I dispute and I am not willing to pay. 
This has ended up in my credit history. I believe this is unfair and unethical. 
*****It seems more like blackmail by XXXX XXXX " pay up or we will spoil your credit history '' **Hence I would like XXXX to intervene and advise XXXX & XXXXcredit reporting agency tocorrect this negative information from my credit records. I do not have any other negative information on my records and this single event spoils my credit history by XXXX points.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXXXXXX {$1100.00} XX/XX/XXXX XXXX XXXX  XXXX {$1700.00} XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX  XXXX {$800.00} XX/XX/XXXX XXXX XXXX XXXX {$120.00} XX/XX/XXXXXXXX XXXX XXXX {$2100.00} XX/XX/XXXX XXXX XXXX XXXX {$700.00} XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX Equifax, XXXX XXXX XXXX XX/XX/XXXX XXXX, XXXX - XX/XX/XXXX Equifax 15 U.S.C, 1681section 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 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 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 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

In accordance with the fair credit reporting act. Pursuant to 18 USC 8. the list of account below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681b 2.

Account name : Chapter XXXX Bankruptcy Status : Discharged Date Filed/Reported : XX/XX/year> XX/XX/year> Reference # : XXXX 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 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15U.S.C 1681c. ( a ) ( 5 ) Section State : no consumer reporting agency may make any consumer report containing any of the following items of information and 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 ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate.
Product: Debt collection

On XXXX XXXX, at the time was a patient of XXXX  office of XXXX XXXXXXXX XXXX XXXX At the time I had got XXXX  that day and was only XXXX  years of age at the time. I never signed any contracts stating that I should be legally responsible for the payments. My mother had signed a contract stating that she would be responsible since I was legally a minor. Even though the XXXX  office was aware that I was making payments myself. I was set up on a payment plan with an original balance of XXXX with XXXX monthly for about 2 years. I had initially paid XXXX as a down payment in cash on XX/XX/XXXX. With me being a minor and still in school I did not have a stable income to continue making payments. So I stopped going for months at times. Probably about once a year until around XXXX of XXXX my last appointment. Most of payments I made were in cash. Some were on bank statements that I have. 7 years later after being threatened to be sent to collections after first becoming delinquent for a time I am just now getting a report for a full balance as if no payments were ever made. I never signed a contract after becoming of age of XXXX nor agreed to be financially responsible from the day that I first got my XXXX  as a minor. I do believe this is a violation under the FCCPA unfair practices section [ 15 USC 1692f ]. I will need to see proof of the debt. Also a itemized receipt of all payments including cash from XXXX XX/XX/XXXX. I should not have been responsible for the debt as a minor legally. I also need to see proof a an expressed consent contract that I signed agreeing to debt.
Product: Mortgage

As of XX/XX/XXXX the principal for my loan was {$4600.00} the escrow balance was {$4300.00}. 
Due to a family illness, I was unaware of Rushmores intention to place my house into foreclosure. When I became aware of the foreclosure status, I was asked to pay XXXX to relieve the foreclosure. My principal balance at the time was {$4600.00}. 
{$4600.00} principal bal XX/XX/ {$4300.00} escrow balance XX/XX/ {$7000.00} payoff foreclosure as stated by Rushmore agent XX/XX/ {$2400.00} ( {$7000.00} - {$4600.00} = {$2400.00} ) over payment of capital {$6700.00} ( {$4300.00} + {$2400.00} = {$6700.00} ) Amount to due to XXXX According to my records displayed above Rushmore owes me {$6700.00} any fees deducted from this amount has not been disclosed. I have been waiting over 90 days since the date the wire has been sent to pay off the loan. I have made several long and time-consuming phone calls to Rushmore and continue to hear incorrect information and unreasonable excuses as why this matter is not resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

I regularly monitor my credit report atleast 3 times a week. I was unpleasantly surprised when my credit score dropped 10 points for no explained reason, then another 24 points with again no explanation, very funny when I applied for a credit card my score dropped 1 point with a reason/explanaiton. I called transunion to ask them to explain the sudden drop when in fact I had paid down or off some {$5000.00} worth of auto loans and credit cards, they proceeded to give me a general reason why credit scores drop but couldnt fine any reason why my specific score had dropped some 34 points. I did file a dispute but was told by a supervisor disputes doesnt affect your credit score, only to be told by a different superivisor disputes does affect ones credit score. Transunion then contacted me to inform me the dispute I filed would go on for an additional15 instead the the orginal 30 days because they wanted to give the company more time to provide info??? I have a couple friends whose had simular types of incidents happen to them and they are very disappointed in the lack of info transunion has on its own practices/reporting. maybe its time for transunion to get a dose of what XXXX got.a class action lawsuit!
Product: Debt collection

Hello, I requested validation of an alleged debt from Security Credit Services on XX/XX/2021. I then responded back via certified mail requesting validation. 

This was not honored. I have not received validation after 2 attempts which span over 2 months. This is against the law. 

In addition, the collection letter does Not bare my name which i informed them of yet they still attempt to collect.. 

Furthermore, A collection agency by the name of XXXX XXXX XXXX sent me a letter to collect on behalf of Security Credit Services stating that they now own this alleged debt and that they will now be solely responsible for perusing it. However, Security Credit Services continues to correspond with me illegally. 

They are adversely affecting my credit rating with this invalidated, alleged account. I informed them that they must stop reporting this account to my credit reports while this account is in the validation stage Yet they continue to report it unlawfully. 

I wont this alleged debt off of my credit reports immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I wanted to reach out to let you know about some things on my credit that I know nothin about. I was trying to buy a house for my family and couldn't because of the things on there are not mine. I've reached out to the FTC and to my local police department. Please remove them from my credit, XXXX XXXX Dpt Ed/XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, and some account that dint have a name but the account XXXX. Thanks for your help with this, because I'm doing this all on my own.
Product: Student loan

Good afternoon, I am eligible for public service loan forgiveness yet Mohela refuses to help me. They have told me that I have to wait for FSA to address my complaints/reconsideration request. 

I am eligible for forgiveness because my forbearances in XX/XX/XXXX and XX/XX/XXXX were administrative - I never requested forbearance and I have proof of them being administrative. XXXX always put me in forbearance during paperwork processing. I also submitted the required waiver form/reconsideration request during the waiver last year ( XX/XX/XXXX ), which made me eligible for forgiveness even though I wasn't currently employed. 

I have two open complaints with FSA - one from XX/XX/XXXX and another from XX/XX/XXXX. Payments are about to start and Mohela is saying I have to wait for FSA. I'm unsure how this is the only thing they can tell me, when they are about to start charging me and I still have outstanding complaints with FSA, including one from over a year ago. 

Any help is appreciated. Sorry if I sound frustrated. Dealing with Mohela and XXXX has been a nightmare. 

Thank you, XXXX XXXX
Product: Credit reporting or other personal consumer reports

This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX Balance Owed : {$0.00} XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX  XXXX Balance Owed : {$300.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$9100.00} XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I WAS RECENTLY NOTIFIED THAT MY INFORMATION WAS INVOLVED IN A DATA BREACH AND SOMEONE TRIED TO OPEN A BANK ACCOUNT IN MY NAME. I PULLED MY CREDIT REPORT AND NOTICED INQUIRES THAT I DID NOT AUTHORIZE, AND I DIDN'T TRY TO OPEN ACCOUNTS WITH ANY OF THESE COMPANIES. PLEASE REMOVE THE FOLLOWING INQUIRES AS THEY WERE NOT AUTHORIZED BY MEXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

On XX/XX/XXXX, my account was closed due to fradualant activity on my bank with a permanent freeze on the account, declaring money can not leave or enter the account. It was randomly closed and I lost access to all of my funds. I called on XX/XX/XXXX, and was told it would take up to 30 days to resolve the account closure and remove the hold. They told me I would receive a cashiers check within 10 days of the account closing. I was given zero updates via mail or phone about my account. They failed to report all of the fraudulent activity. They have recharged things I have proof was not me and have had an ongoing investigation on my account for three months now. I have call over 30 times since the account has closed to receive the same message over and over again. They failed to report that 8 accounts had been taken out in my name and SSN, and have activity on the accounts where money was moved from my primary into the fraudalent accounts. I have received zero accomodations, support, or beneficial assistance as a lot of money was taken from me and that was I supported myself. I haven't been able to pay all bills. The dates for the investigation time continues to grow as it went from 30, to 45, to now up to six months for a resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon looking over my credit profile with all 3 major credit bureaus I noticed I had some inaccurate accounts on my credit report. I immediately disputed these accounts on all 3 major bureaus sites, to no avail. I sent dispute letters on XXXX and did not receive a response from neither bureau. I also sent a certified demand to comply letter on XXXX and have yet to receive a response. 

The credit bureaus had 30 days to confirm or delate these items off of my credit report and they failed to do so, even after the demand to comply letter. Im asking that all 12 accounts be removed from my 3 credit reports immediately. 

The inaccurate information/accounts are : 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 Thanks for your time in this matter. Accordingly I await your response.
Product: Credit card

These accounts represent a clear breach of contract and are fraudulent in nature. The bank failed to provide me with essential information regarding this fraudulent account, which is a direct violation of my rights as a consumer. Therefore, I urgently request the Consumer Financial Protection Bureau ( CFPB ) to handle this matter directly, as the bank 's actions have resulted in significant harm to my financial well-being. The accounts are : JPMCB CARD SERVICES # XXXX XXXX XXXX XXXX & XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My vehicle was vandalized, my insurance company started working on the claim, and then suddenly I lost all contact with them, I wasnt getting any response from them for weeks, the next thing I hear is that my car is repossessed and that the insurance claim is denied. I am notified that it is my responsibility to bring my insurance company information or evidence proving the guilt of someone other than myself in order for them to go forward with the claim ... the police tell me to stay away from the person who did the vandalism due to a history of violently attacking my property and the assault arrest he had on him due to breaking into my house and attacking me. But I get notified that my finance company is now brought the balance to collections and it is ruining my credit, I am XXXX already and can not afford to pay for something I did not do. So I go investigate the matter, I go back to the apartment complex and I go door to door asking everyone if they remember seeing anything, I find a witness who remembers everything perfectly and I tell my insurance company FINALLY I found the evidence that they so relentlessly needed, and after months of being told I need to do something in order for my insurance to take action and then accomplishing that task only to be told I need to do more, to finally find enough evidence, bring it to them, and now have them tell me, that even though I was insured by them at the time of the vandalism, because the vehicle is now repossessed and in the possession of the Lien holder I do not have the right to file a claim and it would be the responsibility of the lien holder to file a claim if they so chose.
Product: Credit reporting, credit repair services, or other personal consumer reports

This Store has fraudulently made a hard inquiry without my consent I did not open any account. I called them to remove it and they agreed and now I see another one on a different date from same store. First one was XX/XX/XXXX and second XX/XX/2023 XXXX XXXX  XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

I am filing this complaint because the company,XX/XX/XXXX XX/XX/XXXX, has not properly addressed my dispute regarding a fraudulent account on my credit report. This account was opened on or around XX/XX/XXXX, and I had no knowledge of or involvement in its creation. The account shows a credit limit of {$1000.00} and a high balance of {$950.00}. The last reported activity was XX/XX/XXXX, but Ive never used this account. 

I contacted the company and/or the credit bureaus to dispute this account and requested proof that I had authorized it. To date, I have not received any supporting documents, such as a signed agreement, application, or transaction records, showing that this account belongs to me. 

Under the Fair Credit Reporting Act ( FCRA ), Section 611 ( 15 U.S.C. 1681i ), I have the right to dispute inaccurate or unauthorized information on my credit report. Credit reporting agencies and creditors are required to investigate disputes and remove unverifiable or inaccurate information. If the company can not validate this account, they are legally obligated to delete it from my credit report. 

The lack of action from XX/XX/XXXX has caused harm to my creditworthiness, and I am requesting the immediate removal of this account. I also ask that the company provide a written explanation of the steps theyve taken to investigate and resolve this matter.
Product: Credit card or prepaid card

Please look into illegal activity by the XXXX XXXX XXXX as well as Bank of America for infringing on our Natural and God-given rights to own, purchase, and bear Arms. Our Second Amendment is non-negotiable to any entity headquartered within the continental US of A. This should be a crime of  treason against the Constitution and should be punishable by maximum fines and prison sentences for the Upper Executives. Please arrest these treasonous people and get them on trial for treason. I have wrote the President about these matters and someone should look into dissolving these banks as soon as possible, please.