23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

In XX/XX/2021 my home owners was up for renew, so on XX/XX/2021 I changed from XXXX with XXXX XXXX to XXXX  for XXXX because XXXX XXXX was going to XXXX which was to high. Five months later upon receiving my escrow analysis I found out that XXXX XXXX had not been cancelled and that I carrying XXXX XXXX and XXXX XXXX co I immediately called and cancelled XXXX XXXXthey returned the XXXX to and I sent the money back to shell point mortgage to be applied to escrow only in receiving that escrow statement shellpoint mortgage took me from XXXX a month, with XXXX going to escrow for my insurance to XXXX and some change. In eighteen years I, ve never seen my mortgage go so extremely HIGH.I have a fixed rate FHA mortgage.I believe this is illegal and I would like to have this looked into.In the beginning of my statement I ment to say my insurance was up for renewal. Shellpoint also stated that they were charging me for next years insurance because it was going to go up.Next year has yet to come.
Product: Debt collection

When the COVID first started, three weeks later I told them that my mother had passed do to COVID and said they was sorry and that, put lately they been forcing me to pay XXXX on a close account, after I told I couldnt afford it due to the money I have, but they keep trynna forced me to pay and they said they was gon na sue me if I didnt pay the full amount
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from the identity theft. I value your help to REMOVE a portion of the data in my credit file that came about because of a FRAUD yet I have an Accounts passed on that should be taken out or Block. Per FCRA segment 605 the Credit Reporting Agencies are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider the Credit Bureaus responsible for your tenacious rebelliousness. Under the provisions of teh FCRA, I need the following items deleted as soon as possible : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXXXX/XX/2020
Product: Credit reporting or other personal consumer reports

I woke up today to find inaccurate accounts suddenly appearing on my credit report, and I honestly dont understand why this has happened. I routinely check my credit report, and this is the first time Ive seen something like this. I thought it might just be a browser issue, so I refreshed the page multiple times, but the errors remained. Im begging for someone to carefully examine the documents Ive sent so I can stop living in this constant state of XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX, & EXPERIAN has updated the following accounts on my credit profile but, they have still failed to provide me with an original signed contract with my signature on it. Under the FCRA section 609 & 611. XXXX, XXXX, & EXPERIAN has violated my consumer rights by not adhering to the law, Section 611 ( S ) ( A ) states you are required to promptly delete all information which can not be verified. The definition of verify, according to the black law dictionary is to confirm or substantiate by oath ; to show to be true. Particularly used of making formal oath to accounts, petitions, pleadings, & other papers. Contract law states that only way to contest an affidavit is to respond another affidavit. According to the black law dictionary an affidavit, a written or a printed declaration or statement of facts, made voluntarily in confirmed by the oath or affirmation of the party making it, taken before an officer having authority to administer such oath. XXXX, XXXX, & EXPERIAN failed to respond to my previous sworn statement if of dispute affidavit with another sworn statement of dispute affidavit which is against contract law. Also, section 605-B ( a ) block. Except as otherwise provided in the section, a consumer reporting agency shall block the reporting of any alleged identity thief, not later than 4 business days after the date of the receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity thief report ; furthermore, under the FDCPA section 809 states if the consumer notifies the debt collector in writing within the 30 day period described in subsection ( a ) of this section that the debt, or any portion thereof is disputed, or that the consumer request the name or address of the original predicator, the debt collector shall cease collection of the debt or a copy of a judgement, or name and address of the original creditor, is mailed to the consumer by the debt collection.
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 accounts 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 accounts 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 accounts/items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXXXXXX Date Opened : XX/XX/22 Balance : {$360.00}, XXXX XXXX XXXX Date Opened : XX/XX/22 Balance : {$82.00} 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: Credit reporting or other personal consumer reports

**Consumer Financial Protection Bureau ( CFPB ) ** **Subject : Request for CFPB Assistance Against XXXX XXXX XXXX, and TransUnion for Violations of Federal Law** Dear CFPB, I am requesting your assistance in taking action against **EdFinancial Services, XXXX, and TransUnion** for their failure to provide documentation and continued inaccurate reporting of a **paid and closed student loan account** on my credit file. 
Despite my repeated requests, XXXX has not provided any proof of their right to report this account**, yet XXXX and TransUnion continue to include it in my credit reports. Their actions violate federal laws that protect consumers from inaccurate and unverified reporting. 
**Violations of Federal Law** The actions of XXXX, XXXX, and TransUnion may constitute violations of the following laws : **1. Fair Credit Reporting Act ( FCRA ) - 15 U.S.C. 1681 et seq. ** - **15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) : ** Furnishers must not report inaccurate information. XXXX is reporting an account without verification. 
- **15 U.S.C. 1681s-2 ( b ) : ** Credit bureaus and furnishers must investigate disputes and provide proper verification or delete the disputed information. XXXX and TransUnion have failed to remove this unverified account. 
- **15 U.S.C. 1681i : ** Credit bureaus must conduct a reasonable reinvestigation of disputed information. XXXX and TransUnion have **failed to verify this account** and continue to report it inaccurately. 
**2. Fair Debt Collection Practices Act ( FDCPA ) - 15 U.S.C. 1692 et seq. ** - **15 U.S.C. 1692e ( 8 ) : ** It is unlawful for a debt collector to communicate false credit information or fail to report that a debt is disputed.

**3. Truth in Lending Act ( TILA ) - 15 U.S.C. 1631 et seq. ** - XXXX is required to provide clear and accurate disclosures, including verification of the debt. Their failure to do so raises serious compliance concerns. 
**Request for CFPB Action** I request that the CFPB : 1. **Investigate XXXX, XXXX XXXX and TransUnion** for their failure to provide proper documentation and their continued reporting of inaccurate information. 
2. **Compel XXXX to provide documentation proving their right to report this account** or remove the account from my credit reports. 
3. **Hold XXXX and TransUnion accountable** for failing to properly investigate my dispute and continuing to report unverified information. 
4. **Ensure the immediate removal of this account from my credit reports** if no valid documentation is provided. 
Please advise me on the next steps I should take. I appreciate the CFPBs assistance in ensuring these companies comply with federal law and correct this issue.
Product: Checking or savings account

Capital One bank has withheld my payment from my employer for multiple days, without any ETA on when it'll be released to me. They were sent my payment on XX/XX/year> an it was not released to me as my check date of XX/XX/year> states. It's caused a disruption in my household, both mentally and economically.
Product: Debt collection

I ran my credit and saw varied amounts being reported. XXXX to XXXX and XXXX to XXXX. I was able to dispute through XXXX and XXXX, however XXXX when they investigated removed. XXXX stated that they are now reporting a credit date of 2018 and a balance of XXXX. When I called Jefferson Capital Systems who is reporting the debt they advised after verification of my identity they can't and won't provide me any details about my amount owed, or why its owed unless I pay them to check my credit reports. I refused to pay them money to check my credit and requested balance of reported collections and why. I advised them I have had identity theft from the 2018 questioned year and need to find out where this balance is coming from ... they again refused to tell me information unless I paid them a XXXX and allowed them to run my credit. This is not legal and needs to be stopped immediately.
Product: Credit card or prepaid card

On XXXX XXXX I called first process to see what they had not removed my XXXX XXXX payment from my account yet. The representative advise me that they had just updated the system to accept payments and that its a possibility my payment would not process until I went back in and added my routing number. I advise the first progress representative that on my end it does not show that the payment was declined or not processed. So not because of the system error on first progress end it shows on my credit report that my account is late and credit usage is high. I advise the representative that is I would of knew or been notified or could see it on first progress website that it didnt go through I would of found another way to pay it so that it was paid on time. I made that payment on XXXX the credit card company reports on XXXX. So if I could see that it wasnt processed on XX/XX/XXXX that still would have gave me 4 days to make the payment on time. I will attach screen shots where on their website it is showing that my payment is still showing pending on their site. It has no information saying it was declined or didnt process. While on the phone with the representative he told me to make the payment again which I did and send it a goodwill consideration letter explaining that the website is messed up and that my payment history should not show past due and the amount should be updated as it was out of my control. I didnt all this on XXXX XXXX I have attached copies below where it still shows my {$190.00} I paid on XXXX XXXX is still pending. So this is proof I had no idea it declined or did not process I have attached my payment history so you can see where it still does not show that the payment for {$190.00} declined or did not process nor does it show that I needed to update my routing number The attachment below also shows proof that while on the phone with the representative on XXXX XXXX I did go ahead a make another payment of {$220.00} and paid a extra {$10.00} fee so it could reflect immediately as the first progress representative advise I do in order to request a goodwill consideration This attachments are proof that I have done everything I was supposed to do but the ball was dropped on first progress website.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into the account transactions.
Product: Mortgage

XXXX XXXX XXXX transferred my mortgage to Shellpoint Mortgage Servicing. Before they did that, they increased my monthly payment from XXXX to XXXX a month. That increase they based on an " XXXX XXXX ''. I'm afraid I have to disagree with their " analysis ''. I called the new servicer- they say there is nothing they can do. I am on a fixed income and can not suddenly pay XXXX XXXX more every month. This mortgage was already modified to be affordable for me, and now it is made unaffordable again. And nobody so far managed to explain to me how they exactly calculated the monthly shortage payment of XXXX.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint against Experian regarding inaccuracies in my personal information as reported in my credit report. 


Details of the Dispute : 1. Incorrect Name : My current legal name is XXXX XXXX XXXX but it is incorrectly listed as XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX on my credit report. I request that my name be updated to reflect the correct information. 

XXXX. Outdated Address : My current residential address is XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX, while my credit report shows an outdated address of XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, FL XXXX aI request that my current address be updated accordingly. 



Supporting Documentation : I have enclosed copies of supporting documents to verify the accurate information provided above, including : A copy of my driver 's license or passport displaying my correct name. 
A recent utility bill or bank statement showing my current address.
Product: Money transfer, virtual currency, or money service

A scam call send money to two people with a total of {$1400.00} on XX/XX/2022.
Product: Vehicle loan or lease

I was in a car accident on XX/XX/XXXX and that totaled my car. My insurance company sent the bulk of the payoff of the loan, {$19000.00} to be exact and that was posted on XX/XX/XXXX, reversed and then reposted on XX/XX/XXXX. Since that date, Honda Financial has still reported my loan as late and owing 46+ payments. Then on XX/XX/XXXX another {$1200.00} was posted towards the payoff from the Warranty Refund applied to the car, and still, Honda Financial is  report this loan late. the last item needed to payoff my car was for the GAP Claim to be paid. I checked on my account almost daily to see when this would be paid off. The payoff on my account the beginning of the week for XX/XX/XXXX stated my payoff was about {$2500.00}, the GAP claim paid {$2400.00} on XX/XX/XXXX. As of XX/XX/XXXX, my account still states 43 payments remaining and past due. I have called several times into their customer service center. The initial person I get is just part of like a Customer Service Center they have stated on 2 separate occasions. The 1st incident where I asked to escalate and speak to a supervisor, I was told that they don't have direct phone numbers that they could give out and that I would just have to leave a message and they would escalate and have them call me. I never received a return call. Again I called on XX/XX/XXXX at XXXX est and this time got a lady named XXXX who told me the same thing, but this time transferred me to the voicemail of someone named XXXX and I have still not received a call back. They have had an automated number call my cell numerous times stating my account is past due, but whenever I call back to speak with a live person, there doesn't seem to be anyone that will return my call. The payments that were received on this loan from my insurance companies have been mishandled and misapplied and I have tried for almost 3 months now with Honda to get this corrected. I have also disputed this with the credit bureau as well.
Product: Mortgage

Letter sent to PHH relationship manager To Whom It May Concern : This letter is to inform you of a scam currently being conducted under the Ocwen name. Since PHH is a subsidary of Ocwen, it is in your best interest to address this issue. 

In XXXX I received a call from a relationship manager named XXXX XXXX. He informed me that even though I had a trial modification approval, I would have to send in an additional {$XXXX} to reduce my escrow amount. I was to send it via XXXX to a 'XXXX XXXX XXXX XXXX. It was sent on XXXX/XXXX/2019. 

Then the story continued, to the next 3 months of trial modification payments. The last one being made on XX/XX/XXXX. 

On XX/XX/XXXX I called PHH to ask when my account would be updated, only to be told I had been scammed and my only option was to apply for another loan modification. 
Needless to say, I am very upset! ( I am proceeding with another modification, and have sent in all the required documents. ) However, today at XXXX : XXXX I received another 'Ocwen XXXX call. And indeed, it was XXXX XXXX XXXX. He can be reached at XXXX. However, he does call me on the Ocwen number XXXX. He stated that my credit is bad, and I need to send in another payment, etc etc. When I told him what I really thought, and that he was / is a scammer, somehow, the call faded away. I will never send him another dime. 

So these are my questions : If this is an ongoing scam, when are you going to stop it? 
He obviously is an Ocwen employee, or has access to Ocwen information, as he has the information on my account. 

While this was taking place in XXXX, XXXX, XXXX and XXXX, I repeatedly checked my PHH account, and had no access to it, until approximately the middle of XXXX. So I believed him when he said after my payments were complete, it would be updated. 

He obviously knew about the window of no current information between the Ocwen and PHH transfer. Perfect opportunity for a scam! 

He would not allow me to talk to anyone else. He was appointed as my relationship manager. 

My mistake was to believe him. But what else could I do with no information online, and no access to PHH. :??? 

I have copies of all the transactions. I will be faxing them to the missing payments and the research departments, along with this email. 

This involves over {$XXXX} which obviously, since our loan is in default, we can not afford to lose. 

I will not be overlooking this matter, and will be anxiously waiting for action on Ocwen and PHH 's part. 

Thank you XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX VA XXXX XXXX/XXXX/2019
Product: Vehicle loan or lease

I purchased a used XXXX XXXX XXXX from an out-of-state dealership ( XXXX XXXX in XXXX UT ) on XXXX XX/XX/XXXX. The loan was financed through US Bank. 

On XX/XX/XXXX, I was involved in a accident in which the car was deemed totaled by my insurance company. On XX/XX/XXXX, I sent my insurance company all of the paperwork to finalize the settlement - which would pay off the loan in it's entirety. 

On XX/XX/XXXX, I was informed by my insurance company that US Bank would not issue a " Letter of Guarantee '' ( allowing the loan payoff ) as US Bank required a perfected title from the dealership. During a subsequent call to US Bank I was led to believe that they had been in contact with the dealership in order to expedite the process. However, on XX/XX/XXXX, another US Bank representative stated that they have not contacted the dealership and that they had no intention of contacting the dealership as this " wasn't their process ''. 

I have had issues with the dealership with post-sales issues and now they are not responding to my calls. 

My issue and complaint is the US Bank has notified me that the loan will continue to accrue interest and I will continue to be responsible for payments until the loan is paid off. This seems unreasonable as all parties understand and acknowledge that the vehicle is totaled and is pending a full payoff. 

US Bank has notified me that I will be responsible for
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I received an alert from XXXX advising that a new collection was reported to the credit bureau. I checked the alert and saw that a company called XXXX XXXX XXXX is reporting a collection debt under my credentials. This was a complete surprise to me since there was never any kind of communication from this company and according to the CFPB Debt Collection Rule : Before a debt collector can report your debt to a credit reporting company, the debt collector must do any one of the following : Speak with you in person about the debt, Speak with you by telephone about the debt, Mail you a letter about the debt and wait a reasonable amount of time ( generally 14 days ) for a notice that the letter wasnt delivered, or Send you an electronic communication about the debt and wait a reasonable amount of time ( generally 14 days ) for a notice that the message wasnt delivered. None of this was followed .... To this date I still show this reporting to the credit bureaus without my written instructions. I have never done any business with this company have any type of contract or agreement, and therefore they have no right to report anything on my credit report. XXXX XXXX XXXX is also reporting this an open account with them as XX/XX/XXXX which is fraud. In accordance with the Fair Credit Reporting Act - XXXX XXXX XXXX - Account # # # # # XXXX has violated my rights. 15 U.S.C 1681 Section 602 A - States I have to the right to privacy 15 U.S.C 1681 Section 604 A - Also states that a consumer reporting agency can not furnish an account without my written instructions.

I have been a victim of identity theft and my name and SSN have been compromised.
Product: Credit reporting or other personal consumer reports

It seems FCRA 605B mandates the exclusion of any erroneous accounts from my credit report. Could you kindly verify the documents? Certain listed accounts appear to be inaccurately reported.
Product: Credit card or prepaid card

I had an American express gold card ending in XXXX as was told to me. However, I filed for ch XXXX in 2011 as my card was cancelled. Lately I have been trying to anew my credit but was advised by amex gold card  that I have a XXXX balance and that I have 2 more authorized users who's balances are line in the XXXX. First of all I am in Mississippi and I would doubt that I would have accrued XXXX in debt and to add 2 XXXX  names to my card is absurd. I request for this issue to be resolved and for my name to be taken off the amex black list.
Product: Credit reporting or other personal consumer reports

Equifax has XXXX unauthorized and unrecognizable inquiries that has cause significant damage to me and my family. These account are considered fraud.