23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX I was in a tractor-trailer rollover at work and sustained a XXXX XXXX XXXX! I now see double and am XXXX because of it. Washington state took my XXXX away in fact making me jobless. In XXXX Washington retrained me as an XXXX XXXX XXXX XXXX In XXXX Covid took my job away because no one wanted a XXXX XXXX in their house XXXX XXXX XXXX XXXX! I have pretty much been jobless since. I had to file bankruptcy, when I filed for bankruptcy the companies involved took everything off my credit report, and then when my bankruptcy was final they put it back on my credit report. Now they wont take it off! Both companies are listed in my credit history and included in the bankruptcy so in fact I am getting docked points off my credit score not only for the bankruptcy but also for the two companies involved in the bankruptcy. I have asked them to take it off and they wont! One, is XXXX XXXX XXXX, the other is XXXX Bank! And my problem is that Im getting docked twice for the same thing. one is listed as a bankruptcy and the other two are listed so that they can put dismissed through bankruptcy chapter 7 in my report. So Im getting docked for the XXXX listing the XXXX XXXX  listing and the bankruptcy listing. Is not this like getting punished twice for the same crime?
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted an investigation for a dispute on my XXXX  and Experian credit reports. last month XXXX XXXX XXXX and there was no change. I disputed the following items : Disputed Experian Items - XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX CO XXXX MyPointsRewards/ XXXX/XXXX/XXXX ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXThese inquiries BELONG on my Experian credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Disputed XXXX Items - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX *These inquiries BELONG on my XXXX credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

For over 6 months we were trying to get answers as to why so much money {$1500.00} was going into our escrow account. It exceeded our yearly payments by {$5800.00}. At XXXX point our escrow balance was over {$12000.00}, with XXXX continuing to be added each month, our yearly payments from escrow are {$13000.00}. We asked for an escrow analysis and never received XXXX, never received calls back and would never get any answers to any questions when we called etc.. We also believe we were over charged a number of times with PMI , it was taken out XXXX in XXXX of 2015 at {$240.00} each when PMI is supposed to be paid XXXX a month. We do n't have much paperwork because any time we requested it, it is not sent or is sent missing information. Our mortgage was raised to a large amount a month {$3100.00} and no one could explain why. We believe Ocwen Loan Servicing , LLC broke laws in regards to escrow and has stolen money from us by overcharging PMI and taking our money within the escrow account. Once we really started calling daily we were sold to a new company, XXXX. However when we received our escrow closing statement it only included two months in it, not all 12 months like it should have. On the closing statement it shows the PMI being taken out XXXX in XXXX month ( XXXX ), who knows how many other months this has occurred.
Product: Credit reporting, credit repair services, or other personal consumer reports

I just notice that I have not received a response from XXXX Transunion, or XXXX for a letter I sent on XX/XX/2021. The letter was informing them of the inaccuracies on my consumer report and there are way too many. The consumer reports should be 100 % accurate and they must respond to me with a 30 day time frame and its been over 30 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this CFPB complaint to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXX : {$510.00} - I would like to confirm the payment history and status of this account. I believe this account is reporting inaccurate informations. I was never late on this account because I always make my payments on time. I keep my own payment records and the record you present do not match with what I have. I request a thorough investigation for this account and update for legal and lawful accuracy. Thank you. 
XXXX XXXX XXXX  : {$810.00} - Please investigate the way this account reports information. I do not recall being late on the dates this account presents. I always make my payments on time and I was never late. As per FCRA, reporting of account information must be accurate. I need this account investigated and updated immediately for lawful accuracy. Thank you. 
XXXX XXXX XXXX : {$14000.00} - There are multiple errors in the listing that are damaging to me including balance, payment status, and date of last payment. I do not believe I was late on the dates you are reporting. I always make my payment on time and I never missed a payment. Please update for lawful accuracy. Thank you. 
Also, I would like to request your verification of the aforementioned accounts. If you can not prove the items information to be 100 % precise, please correct them right away.
Product: Credit reporting, credit repair services, or other personal consumer reports

EDFINANCIAL is reporting an open student loan account that has been paid off as of XX/XX/23. This account is hurting my credit and I have contacted the bureaus on 3 different occasions to dispute this information. The credit bureaus have been negligent to my requests.
Product: Mortgage

I HAVE A MORTGAGE WITH CHASE ( LOAN NUMBER XXXX ) THE LOAN WAS MODIFIED IN XXXX. THE ISSUE IS WITH THEPROPERTY TAX SIDE. IN XXXX I WON MY APPEAL WITH THE COUNTYAND HAD THE TAX BASE LOWERED FROM $ XXXX TO $ XXXX ( XXXX ) CHASE HAS BEEN CHARGING ME ON {$670.00} AND EVEN WITH PROOF REFUSE TOTO RETURN OR ADJUST MY PAYMENT BASED ON MY APPEAL PROOF. 
CHASE IS ALSO INSERTING A FLAT {$800.00} PER MONTH TAX AMOUNTEVEN THOUGH EACH YEAR THE PROPERTY TAX RISES AND FALLS. 
CHASE IS HITTING ME WITH THIS EVERY YEAR THROUGH THE LIFE OFTHE LOAN. I ALSO WAS IMPROPERLY DENIED A LOAN MODIFICATIONXXXX/XXXX AND CHASE HAS REFUSED TO ALLOW ME TO REFINANCE ANDTHAT WAS BACK OVER TWO YEARS AGO WHEN INTEREST RATESWERE LOW. I WAS TOLD BY CHASE I COULD REFINANCE, BUT BLOCKSANY ATTEMPTS TO DO SO. 
THE BANK REFUSES TO RETURN CALLS AND EVENTHOUGH THE BANK ASSIGNED THE EXECUTIVE OFFICE TO HELPTHE XXXX HOUR RETURN POLICY IS IGNORED. THE BANK IS ILLIGALLYMAKING MY PAYMENT TO HIGH, HAVE HIT ME WITH AN IMPROPERARREARS PENALTY AND ESSENTIALLY WANT TO MAKE IT SO BADTHAT IT HOPES I WILL NOT BE ABLE TO AFFORD MY PAYMENTS ANDTAKE MY HOUSE. ALL ATTEMPTS TO WORK WITH THE BANK HAVEFAILED.
Product: Money transfer, virtual currency, or money service

Zelle Operator # XXXX, a XXXX XXXX issued me a case # XXXX. His first instruction was to open my banking app to the Zelle payment function and add an billing agent XXXX XXXX XXXX XXXXXXXX ) an send a code XXXX with memo VOID XXXX, confirmation # XXXX, to also screen shot the payment image to a office community number XXXX. The next protocol was to add billing agent XXXX XXXX ( XXXX ) in the app and send code XXXX with memo XXXX, confirmation # XXXX, also to send screen shot of the payment image to that same XXXX. XXXX then informed me that the original code of XXXX to XXXX XXXX had expired/not submitted timely and that XXXX would now tackle this issue by sending code XXXX with memo XXXX, confirmation # XXXX, with again sending the screenshot to community number XXXX. At this point, XXXX thanked me for my vigilance, that I would be receiving a survey in my email about my experience, that I would be transferred to a Bank Security Officer to file a police report to finalize the incident. XXXX XXXX XXXX went over and discussed with me the prior actions and codes that were issued to verify myself and remedy the situation, he then had me send a code XXXX to agent XXXX XXXX to finalize the incident, that I would be contacted within 24 hours to reassure any and all refunds were performed. I did receive those ( 2 ) calls at XXXX & XXXX the following day but was unable to answer. When home Wednesday evening, I had telephoned my mother who said that she was approached in the same manner, same suspicious transactions ( {$990.00} & {$1300.00} ) and a new bank account in her name with her phone number. She immediately hung up the phone after discussing my experience the day prior. This alerted me to check my account and no funds had been refunded. I contacted XXXX XXXX XXXXXXXX Thursday morning where they verified that I had been scammed. XXXX XXXX was great and issued me case # XXXX. I filed with XXXX XXXX XXXX XXXX XXXX with XXXX XXXX XXXX, # XXXX and he has issued me case # XXXX. Sadly through my research that this has been ongoing and an issue that XXXX has been fully aware of ( since XXXX ) and still highly promotes the app as highly secure but with a clause that because I initiated the payments that my funds are unrecoverable. Fraud through Zelle apparently has been mounting tremendously that the issue has made it to Congress where XXXX and the other banks that helped create it warned/instructed to do better. Through my research and conversations that even through my due diligence I was unknowingly a victim by very good imposters who spoofed XXXX XXXX and Zelle phone numbers. They were familiar with the Banking protocols that I had experience previously.
Product: Credit reporting or other personal consumer reports

Please have the company XXXX XXXX XXXX XXXX XXXX send me a signed copy of any contract I have entered into with them. If they can not provide a signed contract that I have entered into with them, then they are acting fraudulently in attempting to collect any debt from me. Furthermore, their fraudulent activity should not be reflected on my consumer report. Their collection attempt is fraudulent in that : 1 ) I have no contract with them.

2 ) They have no proof of my handwritten signature on a contract with them.

3 ) They are acting as a collection agent and there is no debt because I am the original creditor.

Lockhart , Morris & Montgomery need to immediately prove how any supposed account I had/ have with them was 'verified ' within 10 business days of this report or I will seek damages for fraudulent activity, character defamation and misrepresentation.
Product: Student loan

I have been trying to contact navient to explain my loan and interest and cant get through. In the event I am able to speak with them they tell me there is nothing that can been when it clearly states on the website that I do have options as far as income driven repayments.
Product: Credit reporting or other personal consumer reports

I am formally requesting this letter to update the following items in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will violate the Fair Credit Reporting Act XXXX XXXX Balance : {$360.00} XXXX  XXXX XXXX Balance : {$3800.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX ) XXXX Balance : - XXXX XXXX Balance : {$590.00} XXXX XXXXXXXX XXXX  XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XX/XX/XXXX.
Product: Student loan

On XX/XX/2018, I requested a forbearance from my loaner Navient across all of my 3 loans with a total of {$150.00}. A week later I was notified on XX/XX/2018  my payment was reversed due to not being able to locate my account. I immediately called first thing XX/XX/XXXX and resubmitted my payment with the same account information. The payment was then credited to my account as expected but the following day on XX/XX/XXXX I received an email regarding my loan not being paid. I called Navient again that morning and was told the amount I paid for forbearance was not applied to my account properly and would need to be read the disclosure again. Following the disclosure I was told the loans were in forbearance. Later on XX/XX/XXXX I recieved another email regarding my loans. I called Navient again and was told my payment was not applied properly a third time. I was read the disclosure and assured my loan was in forbearance. Today XX/XX/XXXX I received another email regarding my loan and when I checked my loan accounts, they are in fact still not in forbearance. I have proof of my payment through bank statements and will call once again tomorrow XX/XX/XXXX. This is outrageous!
Product: Credit reporting or other personal consumer reports

XXXX XXXX XX/XX/XXXX Subject : Dispute of Unauthorized Accounts Request for Removal and Investigation Dear Dispute Department, I am writing to formally dispute multiple accounts listed on my XXXX credit report that I did not open or authorize. These accounts appear to have been fraudulently opened in my name, and I request their immediate removal in compliance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i.

After reviewing my credit report, I discovered the following accounts that were not initiated by me : 1. Account Name : XXXX XXXX Account Number : XXXX Opened : XX/XX/XXXX Amount : {$86000.00} 2. Account Name : XXXX XXXX XXXX Account Number : XXXX Opened : XX/XX/XXXX Amount : {$150000.00} Given that these accounts were fraudulently opened, I ask that you investigate the matter in accordance with the FCRA, specifically 15 U.S.C. 1681c-2, which entitles me to request the removal of fraudulent entries from my credit file. I am also entitled to a fair and timely investigation as per 15 U.S.C. 1681i, which requires a response within 30 days of this request.

Actions Taken to Protect My Identity : - I have contacted the fraud departments of the relevant creditors and placed fraud alerts on my accounts.

- I submitted an identity theft report to the Federal Trade Commission ( FTC ), which I have included with this letter.

Documents Enclosed : - A copy of my government-issued ID.

- A recent utility bill or official mail showing my current address. - FTC Identity Theft Affidavit ( if applicable ).

Request for Fraud Alert or Security Freeze : Along with the removal of the fraudulent accounts, I request that a fraud alert be placed on my credit report or, if necessary, a security freeze to prevent further unauthorized activity. Since I have already filed an identity theft report, this request is in line with 15 U.S.C. 1681c-1.

Legal Rights and Timeline : Under the Fair Credit Reporting Act, I understand that you are required to investigate my dispute within 30 days of receiving this letter. I expect that the fraudulent accounts will be removed from my credit file without delay. Should you fail to conduct a proper investigation or respond within the prescribed timeline, I will pursue further actions to protect my rights, including contacting the Consumer Financial Protection Bureau ( CFPB ) or seeking legal recourse.

Once the investigation is completed, I would appreciate written confirmation that these fraudulent accounts have been removed from my credit report. I also request that any associated inquiries or derogatory marks linked to these accounts be eliminated from my file.

Thank you for your prompt attention to this matter. I look forward to a swift resolution. If additional documentation or information is required from my side, please contact me. 
Sincerely, XXXX XXXX
Product: Mortgage

I receive continual notices regarding both loans I have with this company. In short, the notices claim the company has not received my insurance information. They have been provided with this information many times ; however, it takes about an hour to reach a person to speak with and even then, they will not discuss the problem over the phone. All of my insurance is current. During my discussions with a representative, it appears their system was recently changed, and they are having trouble keeping track of records on their end. Regardless, I feel I am being harassed/threatened by this company because either their system is flawed or they are unwilling to do their due diligence to ensure their system is correct.
Product: Money transfer, virtual currency, or money service

There were Acts of fraud on my Cash app account on XXXX, XXXX 2024 for the amount of XXXX dollars. The action that they took did not resolve the issue the money was transferred and hacked out of my account where someone logged in and took the money out of my account. Cash app said there was nothing they could about it to resolve the dispute. I reported it to the police but it was nothing they could do because I have no idea who logged into my account and took the money or how they even got into my account with the password, I believe someone close to me may have took the money like at work or something but I am not truly sure.
Product: Student loan

I ( a potential student ) went around to different schools looking to see which one fit my interest. I had showed up to XXXX XXXX on admissions day to see the campus, and was showed how to join classes online by a lady that worked there. I had left the school relalizing that it was not the school I would want to attend. A few months go by and now I am getting a charge in the mail saying that I own XXXX XXXX {$3600.00}. While attending admissions day, the lady who was showing me the online signup must have accidently signed me up for classes for which I did not ask her to do, and made it clear I was just looking at schools and what classes they offered. I have sent appeals and several complaints to the school for this issue but they denied them all and said that it isn't their problem. They sent the debt to a collections agency XXXX Williams & Fudge , Inc ) and as of XX/XX/XXXX, I owe them {$3600.00}. I do not have the money to pay them for a mistake they made and do not want to admit they made one.
Product: Credit reporting or other personal consumer reports

Dear XXXX, I am writing to formally dispute several inaccuracies on my credit report under the provisions of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681 Section XXXX ( a ) and 15 U.S.C. 1681 Section XXXX ( a ) ( XXXX ). The inaccurate information is adversely affecting my creditworthiness and overall financial health. According to 15 U.S.C. 1681 Section XXXX ( a ), XXXX has determined that consumer reporting agencies have grave responsibilities to ensure the accuracy and fairness of credit reporting. Additionally, 15 U.S.C. 1681 Section XXXX ( a ) ( XXXX ) stipulates the permissible purposes for which a consumer report can be furnished, which further supports my right to dispute and correct any erroneous information. The accounts in question are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts contain inaccurate and potentially fraudulent information. I request that these entries be investigated and rectified as per my rights under the FCRA. Specifically, I ask for : XXXX of the accuracy of the disputed accounts. Removal of any information that can not be verified as accurate. XXXX notification to all credit reporting agencies to correct and update my credit file. Enclosed, you will find copies of my credit report highlighting the disputed items, as well as any supporting documentation I have regarding these accounts. Thank you for your prompt attention to this matter. I look forward to a resolution that ensures the integrity and accuracy of my credit report. Sincerely,
Product: Debt collection

I have recently checked on my credit report through XXXX  and shows a negative remark on my file in regards to a medical bill that I did not know I had. It shows that it went onto collections for just an amount of {$53.00}. I always pay my bills on time, but never got a notice for this specific bill. 

In the report its labeled ( XXXX-XXXX XXXX XXXX   XXXX  )
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act these creditors has violated my rights under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 604A section 2 it also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666B A creditor may not treat a payment on my credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

I got an email that my score dropped. I looked and saw some new inquires. I also noticed some older ones that I don't recognize. I've been struggling with identity theft since I was 17. 

EQUIFAX MORTGAGE SERVICE XXXX XXXX XXXX XXXX XXXX These are the unrecognized ones. 

I also noticed that when I applied for my car, they ran it 8 times. Is the dealership allowed to do that?
Product: Credit reporting or other personal consumer reports

In XXXX the investigation was proven that the XXXX late payments that were reported to all XXXX credit bureaus were inaccurate. It was supposed to be corrected on my credit report after XXXX  days but my credit score has not increased. The late payments were removed within that month but my XXXX credit bureau scores did not change. This investigation happened with XXXX XXXX.
Product: Credit reporting or other personal consumer reports

There is inaccurate/ fraudulent names, phone numbers, employers and addresses being reported on my credit report erroneously by XXXX XXXX XXXX and Equifax XXXX These addresses, names, phone numbers, employers names doesnt belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX Va XXXX dob XX/XX/62 SS # XXXX Experian will not delete or correct the account for XXXX XXXX on my report I closed the account and I was never late and it showed late after I closed the account because of the billing date. this has been corrected by XXXX  and XXXX  but Experian will not the simple mistake. if they read the last payment date it will show it a mount before the close date and the late payment date. simple math!!!!!! if fact them had to send me a check for the over payment after the account was closed. 

Fix : correct the late payment if this is too hard!!!! simply delete the account