23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

My mortgage company failed to pay my real estate taxes out of my escrow account even after XXXX delinquent notices were received by them. When they were questioned about this, they proceeded to scream at me and refused to pay it, including the late fees and interest.
Product: Student loan

In Mid-XX/XX/XXXX2019, I received a letter from XXXX XXXX XXXX, indicating that as a result the settlement of a lawsuit between XXXX XXXX XXXX XXXX XXXX and CFPB, my loan payment has been reduced, and that XXXX was now collecting payments for my private student loan through XXXX XXXX XXXX XXXX XXXX. The letter, however, did not indicate how my private loan through XXXX XXXX XXXX XXXX that was being serviced through Firstmark Service was going to be terminated or how Firstmark Services was going to be notified of this settlement result. 
When I called XXXX XXXX XXXX for clarification, I was told any of my private student loan through XXXX XXXX XXXX XXXX now needs to be paid through XXXX XXXX XXXX, and no one else. When I called Firstmark Services, they insisted I needed to pay Firstmark Services. 
I called both Firstmark Services and XXXX XXXX XXXX multiple times, and verified that that all of my private loan that was being serviced through Fiirstmark Serivces wasfrom XXXX XXXX XXXX XXXX XXXX, and I have learned that both Firstmark Services and XXXX XXXX XXXX are sending me bills for payments for my private student loan through XXXX XXXX XXXX XXXX. I have asked to speak with the managers multiple times at both agencies, and I was never able to get through to any managers, and the representatives I spoke at both agencies could only repeat that I owe each of the agencies payments for my private student loans through XXXX XXXX XXXX XXXX   without any explanation. I looked for ways to contact XXXX XXXX XXXX XXXX XXXX, but every time I called, I was only given the number for XXXX XXXX after multiple transfer of calls. Neither Firstmark Services nor XXXX XXXX is willing to look into my situation. Both Firstmark Services and XXXX XXXX are refusing to communicate with each other regarding the settlement result of the private loan through XXXX XXXX XXXX XXXX XXXX. Instead, they are both insisting payments. 
I have since learned that neither Firstmark Services nor XXXX XXXX XXXX has proved to me with any documents that my payments, indeed, need to be paid through either one of the agencies. In the mean time, I am getting bills from two different agencies for payments for the same private student loan, which I am not even sure what education the loans were for. 
XXXX XXXX XXXX XXXX and Firstmark Serivces seem to be acting very irresponsible and unfair, charging individuals through multiple agencies what they do not owe. I request CFPB to look into this matter for me. Thank you so much!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is displaying an account that says it closed And its open. The account in question is XXXX XXXXXXXX XXXX I've sent letters in XXXX, XXXX and XXXX asking them to update this information. They were also sent An account status update from XXXX XXXX XXXX in XXXX and it still have been updated
Product: Credit reporting or other personal consumer reports

I moved and as a result had to change my internet providers. I was paying on my balance of XXXX every XXXX weeks through the XXXX app. I paid off my last XXXX balance on or around the XXXX of XXXX. On or about the XXXX of XXXX I am notified that a XXXX account for this provider was added to my credit report. I disputed it with XXXX of the credit bureaus and neither of them removed this information even though it is incorrect. The only thing that was done was update the status to paid but the information was incorrect from the beginning so how was XXXX allowed to put this on my credit report in the first place? It never should have been sent to XXXX if I was making good faith payments and it certainly shouldnt have been placed on my report AFTER the debt was paid in full!
Product: Credit card or prepaid card

I applied for a Credit card through total visa. They charged me {$89.00} for processing fee and {$75.00} for annual fee. I paid both before I received the card. The first card took a month to receive so I called in to report card lost. They issued out a second card on XX/XX/XXXX I received the second card approximately XX/XX/XXXX or XX/XX/XXXX. I was not able to create online account to view billing statement because I was waiting on second card to arrive. After the fees were taken out I had a balance of {$220.00} I used the card on XX/XX/XXXX XXXX. On XX/XX/XXXX I tried to use card again it declined. I called total visa they stated I didnt pay {$39.00} on XX/XX/XXXX half of {$75.00} annual fee. I stated how can I pay {$39.00} when I knew nothing about it because I never received the card or disclosure. This company Is a rip-off
Product: Credit reporting or other personal consumer reports

I disputed my student loan with XXXX. I stated that my loan was supposed to be discharged and completely removed from my credit report by XX/XX/24 by court order from the case XXXX XXXX XXXX. I included the letter stating that I was a XXXX XXXX XXXX of the case and that my loans would be : discharged, refunded, and completely removed from my credit by XX/XX/24. 
Navient student loans still appear on my credit report with delinquent payments. They show a balance of {$31000.00}. They responded to my dispute saying that they had updated the information I requested, but nothing was changed. The balance still remains and the credit line and complete history still show in my report.

This has been hurting my ability to get a loan and a mortgage for over XXXX years now. It was finally supposed to be removed by XX/XX/24 and it has not been. The Dept of Education and all XXXX credit bureaus are now in breach of that court order. I have submitted disputes directly with XXXX and XXXX but have not received responses yet. 
XXXX did reply and said it was resolved but did not resolve it at all.
Product: Credit reporting or other personal consumer reports

XXXX XXXXXXXX XXXX called me at work requesting payment for an account. After being told that account was fraudulent XXXX XXXX XXXX harassed me at my place of work for weeks calling over and over again for a payment they are aware is not mine. XXXX XXXXXXXX XXXX has harassed on work hours for many weeks now. Among many other violations harassment on work hours and reporting a false debt are among many of the FCRA violations XXXX XXXXXXXX XXXX has occurred
Product: Mortgage

On XX/XX/2018, our house was flooded. We sustained minor flood damage. We carry flood insurance, and our insurance covered muck out and debris removal. All of these tasks we completed ourselves On XX/XX/2018, we received our insurance check. As part of the normal process, PHH Mortgage Services was a party to the check. After going through our normal contact at PHH Mortgage, we finally were directed to the Insurance Claims department. On XX/XX/2018, we submitted electronically our Insurance Worksheet with all of the claim information. We were told that we had to request a waiver for the contractor requirement. We did so, and later that week, our request was rejected. At that time, PHH Mortgage requested an inspector to come out. That request was made on XX/XX/2018.

On XX/XX/2018, we submitted photos documenting that all the cleanup work that was being covered by the Insurance Worksheet was completed. On XX/XX/2018, an inspector representing PHH Mortgage came to our house and to the best of our knowledge received all the information necessary to complete the inspection report. PHH Mortgage stated that those results would be available within 48 hours.

After several phone conversation, on XX/XX/2018, representatives for PHH Mortgage stated that they have no information concerning the inspection results.

We are trying to get our insurance check endorsed from PHH Mortgage, but they are not allowing that to happen.

All we are requesting is that PHH Mortgage endorses our insurance claim check.
Product: Credit reporting or other personal consumer reports

I filed for XXXX  XXXX bankruptcy XX/XX/XXXX. I entered a reaffirmation agreement with XXXX to keep my vehicle and continue making payments. This agreement was filed with the court on XX/XX/XXXX. After filing bankruptcy XXXX is no longer reporting my loan payments which is causing a negative effect on my credit report. My bankruptcy attorney reached out to XXXX in XX/XX/XXXX. They advised my attorney their policy is to no longer report payments once a bankruptcy has been filed even if a reaffirmation agreement had been entered. My XXXX XXXX trustee said she had never heard of this and to file disputes with the 3 credit reporting agencies. I sent dispute letters on XX/XX/XXXX to all 3 reporting agencies. I've been told the information can not be verified therefore, can not be added to my credit reports. Since purchasing this vehicle in XXXX all payments have been made. The vehicle was not included in my XXXX XXXX and I continued to make monthly payments. My case received a discharge. All I request is XXXX report my loan payments so I can receive proper credit and my credit report and score reflect this information.
Product: Debt collection

XX/XX/2021 Credit Solution Sent a notice that a notice was sent on XX/XX/2021 an attempt to collect a debt of {$190.00} they're third party debt collectors I do not owe this debt I don't have a contract with this company
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern : I was reviewing a copy of my credit report and discovered it contained some errors pertaining to the following Personal Information. I am requesting that you promptly update and delete addresses that I never resided and may possibly be relatives address. Please see the attached copy Driving Licenses for your reference. For the record I have lived in the same residence for over 7 years. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The specific information under dispute is derogatory nature. I am requesting the verification to follow reasonable procedures to assure maximum possible accuracy, of the information on my credit report. So I am requesting you verify the items I am disputing at a higher standard than a third-party database search. Please also notify the source who reported the item within 5 days after receiving this dispute, and obtain either, verbal or hand written verification directly from a person at that. Please delete/remove the following unverified accounts. Also there are some inaccurate accounts that are showing on my report that are paid in full and need to be removed/ deleted. Here are the inaccurate accounts : XXXX XXXX, XXXX. # XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, ***XXXX XXXX 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 My name is : XXXX XXXX XXXX Please remove all other name variations IMMEDIATELY. They are not accurate. 
My current phone number is : XXXX All other phone numbers are not accurate. Please REMOVE/DELETE these numbers IMMEDIATELY : Also, my current and only address is : XXXX XXXX XXXX XXXX, Ohio, XXXX All other addresses are not accurate. Please REMOVE/DELETE these addresses IMMEDIATELY : XXXX XXXX XXXX XXXX XXXX, Ohio XXXX XXXX XXXX XXXX XXXX, Ohio XXXX XXXX XXXX XXXX XXXX XXXX, Ohio XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. 

XXXX XXXX XXXX XXXX XXXX {$1700.00} XXXX XXXX {$3800.00} XXXX  XXXX {$840.00} XXXX  XXXX {$510.00} XXXX XXXX XXXX {$22000.00} XXXX XXXX {$0.00} BANKRUPTCY CHAPTER XXXX XXXX {$0.00} BANKRUPTCY CHAPTER XXXX XXXX {$0.00}
Product: Debt collection

According to the fair credit reporting act ( FCRA ) 15 U.S.C 1681 all unverified and inaccurate information most be promptly DELETED please provide me all information your bureau used to verify this inaccuracy closed account Non compliance with the request for deletion if you can not produce XXXX XXXX COMPLIANT EVIDENCE my legal team to file complaints with FTC, CFPB, ATTORNEY GENERAL of North Carolina all with any further legal action we deem necessary including but not limited to civil punitive damages. 

Please provide me a updated copy of my credit report upon completion of investigation
Product: Vehicle loan or lease

The company and lender inquired into my credit without my authorization. XXXX XXXX XXXX told me that he would not inquire into my credit and it turned out that he did.
Product: Checking or savings account

On XXXX XXXX XXXX, at XXXX, Chime bank allowed someone to access my account without my knowledge or consent, and proceeded to wire {$5000.00} to an unknown email. The person who did this had a phone number from XXXX, XXXX. I immediately called the bank and filed a police report, disputed all charges, and submitted documentations to the bank as requested. They launched an investigation and tried to tell me that is was not fraud and that they would not be reimbursing me. This is illegal and wrong. They stole from my children. I can not give my children XXXX, food, or pay for bills currently. 

Please help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports.I 'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The XXXX and XXXX Credit Bureaus are reporting inaccurate information on SCHOOLSFIRST. Please change the status to Paid or simply " Remove '' the account. These statuses are damaging to my report, which would not be happening if the bureaus investigated properly before posting derogatory information. Per FCRA, reporting must be 100 % accurate. Here are the lists of the erroneous accounts reporting on my Credit Report :
Product: Debt collection

ACCT # XXXX PAID AS AGREED TO PAY {$50.00} TO RESOLVE AND DELETE
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX Account XXXX has violated my rights. 

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.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting

I have submitted via certified mail a copy of my police report detailing the crime of identity theft that was committed against me. I also included proof of my identity and a legal statement regarding this matter. Transunion somehow has ignored this documentation as it has been over thirty days since they received it and I have not seen any action taken. My police report was filed in person and my dispute meets FCRA requirements.
Product: Checking or savings account

I deposited a check from XXXX XXXX XXXX XXXX for {$5400.00} on XXXX XXXX. The funds were withdrawn from the XXXX account on XXXX XXXX and I sent proof of this to Chase and attached the proof here. Chase claimed they needed to verify the funds availability even after I provided proof. Chase then asked for the contact information of the business that wrote the check. Chase then claim ed their reason for the hold was confidential. I do not believe a bank can legally hold funds assigned to me by a check after Chase has withdrawn the funds and if they can provide legal documentation I demand they produce it. As of today no portion of my funds have been released causing me severe financial hardship. And the fact that Chase lied to me is reason enough to warrant an investigation into their business practices.
Product: Credit card

I am a XXXX XXXX XXXX XXXX  holder. XXXX XXXX sent me an email message that they enrolled me in PAZE. I did not request this. I contacted XXXX XXXX and they said that their automated system enrolled me in PAZE. XXXX XXXX provided my personal information to PAZE. In talking with the XXXX XXXX customer service representative for 35 minutes, he indicated that he did not know what personal information was sent to PAZE. Although XXXX XXXX enrolled me in PAZE, the XXXX XXXX  customer service representative said that he could not unenroll me in PAZE and that I would have to talk to PAZE. He said that XXXX XXXX 's automated systems automatically enrolled people in PAZE without their permission. I attempted to contact PAZE ; they only have a web site. In order to unenroll in PAZE, they requested personal information. I am not willing to provide my personal information to PAZE. There is no PAZE phone number, but there is a PAZE email address listed. I sent an email to that PAZE email address and received an automated message a second later saying to go to the PAZE web page. I have not heard from PAZE again. There is no way for me to contact PAZE to unenroll in PAZE. 
Please help me. This seems like a huge scam.
Product: Credit card or prepaid card

On the week of XXXX XXXX, 2017, I received the attached letter from Capital One stating that a credit card application had been submitted in my name and that they needed further information to confirm my identity. This was a fraudulent application made on my behalf. 

On Monday, XXXX XXXX at approximately XXXX CDT I contacted Capital One at XXXX to advise this. During the call, I identified I was in receipt of their correspondence by reading back to them the Application ID number that appears on the letter. However, they would not declare the application fraudulent until I provided them with my birth date. I told them categorically I will not provide them with any other information than what was in the letter as I never intended to do business with Capital One. The Capital One representatives I dealt with had ID codes XXXX ( XXXX ) and XXXX ( XXXX ). 

Capital One would not relent and would not declare my application as fraudulent, so I am writing to the CFPB to ask for your assistance in this regard.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts are not mine and I became victim of identity theft and its XXXX  my report and my life. I do not want to have something like this and please help me and make investigation. Its misleading information for sure and I do not want to have it. Remove these accounts from my credit report
Product: Credit reporting or other personal consumer reports

List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX has violated my rights. 


I looked at my XXXX, Equifax XXXX XXXX credit report on XX/XX/XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

On Friday XX/XX/XXXX Skopos Financial LLC marked my paid off account as delinquent and XXXX  days past due when they could not provide an accurate amount because I have already paid my account. It has cause major damage to my credit score that I have worked so hard to build back up. I called to try to have the problem resolved but no one could give me an answer. I have not had a late payment since XXXX.