23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

On XXXX XXXX my mortgage company Shellpoint by Newrez put me on lender placed insurance for not having wind insurance. Although, I do have wind insurance covered under my XXXX policy. In order to pay for the lender-placed policy they took out {$250.00} from my escrow account this year and {$1000.00} from my escrow last year. I have provided proof of wind insurance covered under the all perils policy constant times and they have ignored my calls and hung up on me on purpose. My insurance company stated my house has had wind insurance since XX/XX/year> when the house was bought.
Product: Credit reporting, credit repair services, or other personal consumer reports

SCA COLLECTIONS INC {$140.00}. XXXX  XXXX. XXXX  XXXX  XXXX  {$900.00}. XXXX XXXX XXXX ALL ACCOUNTS WITH ANY DOLLAR AMOUNT. NEVER AGREE TO PAY ANY DEBTS WITH ANY OF THESE COMPANIES I DON'T RECOGNISE AND HAVENT MADE A DEAL TO PAY A DEBT WITH THAT COMPAMY OR COMPANIES. I HAVE PROOF THAT MY SOCIAL AND ID HAVE BEEN STOLEN SEVERAL TIMES OF YEARS OUT MY CARS OR HOME. I HAVE PROOF AND SOCIAL SECRUITY CAN BE CONTACTED. AND XXXX  XXXX  THAT I FORGOT TO ACTIVATE AT THE TIMES. THERES NO PROOF THAT THIS STUFF BELONGS TO ME. I NEVER MADE A DEAL WITH THESE COMPANIES OR PROMISE TO PAY ANY FEE AT ANY TIME AT ANY AMOUNT. PLEASE REMOVE THESE. THESE COMPANIES HAVE UNSECURE WAYS OF RECIEVING INFO AND FRAUDULENT INFO. PLEASE AND THAK YOU. HAVE A BLESS DAY. ALL ACCOUNTS NEED TO BE REMOVE FOR REAL.
Product: Credit reporting or other personal consumer reports

I'm filing this follow-up complaint to formally inform Experian, XXXX, and XXXX Credit Bureaus of my intent to update my credit reports within the next 15 days. I earnestly expect these three Credit Bureaus to promptly remove the specified inquiries from my credit records. This communication is a continuation of my previous complaint, dated XX/XX/XXXX. I respectfully request that the inquiries listed in this complaint, as well as those in the aforementioned complaint, be removed upon completion of the 15-day credit report update period : EXPERIAN : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the items on my credit report were incorrect when I reviewed them. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified items without providing any proof within the time frame specified by law. My credit report includes the following erroneous items that need to be investigated and corrected : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

My homeowners Hazard Insurance was hijacked by a partner company of my mortgage company ( Mr Cooper ). They simply stopped paying my old insurance then more than doubled my rate under their partner. My old insurance was with XXXX XXXX for many years without incident or problem. My mortgage company was Nationstar but they changed their name to Mr Cooper and that's also when they stopped paying my insurance from escrow. 

I made no changes from my end for them to do such a thing as hijack my existing insurance and then raise my mortgage {$200.00} a month for a very poorly rated insurance company XXXX XXXX. 

I had to pay {$4400.00} for the first year while my old insurance was {$1600.00}. I have now gotten new insurance which is only {$900.00} a year but I fear they are going to hijack my insurance again. They require you to pay it from escrow, but then don't pay out leaving you without insurance. 

How is this legal? This mortgage company ( Mr Cooper ) has already faced government scrutiny and paid heavy fines under the brand Nationstar. Changing their name has not changed their methods. Also XXXX should be properly investigated. 

I'm out at least {$5000.00} for 3 years of over-payments. This is unacceptable.
Product: Debt collection

My husband and I went to XXXX to look at some small dogs XX/XX/XXXX. While we were there we fell in love with a 3 months old XXXX so we asked the clerk how much are they asking for the puppy. She stated {$1400.00} which I thought that price was a little deep but my husband was so adamant about taking her home so we asked about financing, She said all she needs is some information from me and to see if I can get approved. So she was using a small tablet to do the application for me and since I had the strongest credit score, I provide her with my credential. She informed me that I was approved by XXXX XXXX. The FINANCE amount is {$1300.00}. My husband and I agreed to pay the {$1300.00} early. In XX/XX/XXXX I check my credit report and saw that Monterey Financial Services was reporting a balance for {$3500.00}. I immediately called Monterey Financial and asked the female representative why are they reporting the balance {$3500.00} and what this for, she indicated that they are now servicing the loan from XXXX XXXX. I thought I was approved for {$1300.00}. The representative stated that I am LEASING THE DOG and that the {$3500.00} is the amount for 24 months lease. I was extremely bothered by this. I travel a lot on my job so I didn't have time to handle this accordingly. On XX/XX/XXXX, I called Monterey to asked why the payoff balance is not available online and why they don't provide you with a bill by mail. The representative informed me that you have to call them and they will provide a verbal quote. WHAT? I asked the representative why do we have to call you when it is difficult at times trying to reach a representative. On XX/XX/XXXX, I finally reached someone over the phone and I spoke with ( XXXX ). I asked XXXX for a payoff and she quoted me {$970.00} for an early payoff. I informed XXXX that her company is 1. predatory practices 2. the company is preying on consumers and 3. I am disputing this payoff after we have already PAID {$1800.00} and we will not send this another dime. I asked XXXX to email me the quote to have this ridiculous payoff in black and white. XXXX XXXX ( XXXX ) sent the email and I responded to the email to inform XXXX XXXX I dispute the quote in writing and to ask her how she came to the payoff quote after the online payment history does not provide itemizes details. I requested for XXXX XXXX XXXX ( XXXX ) to provide me with the information before the close of business if XX/XX/XXXX, or I considered the payoff invalid. XXXX XXXX sent me an email XX/XX/XXXX, with some figures she typed in the body of the email. I will attach the email conversation to my complaint.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under...

15 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 Account name : XXXX  Account # : XXXX Account name : XXXX Account # : XXXX Account name : XXXX Account # : XXXX Account name : XXXX Account # : XXXX Account name : XXXX Account # : XXXX Account name : XXXX XXXX Account # : XXXX Account name : XXXX XXXX  Account # : XXXX Account name : XXXX XXXX XXXX  Account XXXX XXXX XXXX Account name : XXXX XXXX XXXX  Account # : XXXX
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report that I do not recognize or were not authorized by me. Under 15 U.S.C. 1681i, I have the right to dispute any inaccurate information on my credit report. 
Please remove these accounts from my report immediately, they are hurting my ability to obtain credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Delete accounts associated with XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX from my credit report as I am I victim of identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm composing this complaint to INNOVIS. I wrote to them about the errors in my report, including dates of last activity, dates opened, dates reported, and payment status, among other things. They claimed to have conducted a thorough investigation, despite the fact that it took them more than 30 days to finish it. However, when I reviewed my report, I found that nothing had changed. The false information is still being reported. 

Numerous times, my rights have been violated. According to 15 U.S.C. 1681, section 602 A, I have the right to privacy. Section 2 of 15 U.S.C. 1681, Section 604 A. It also says that a consumer reporting agency can't give me an account unless I tell them in writing
Product: Mortgage

My house is in foreclosure, and I have someone who 's willing to pay off the entire balance cash. I asked Greentree for a payoff amount mid XXXX 2015. They said fax would be 24-48 hours and snail mail would be 5-7 business days. I opted for both. 3 days later I called and was told it takes 7-10 days for fax and 7-10 business days for snail mail. I waited, called back XXXX XXXX, 2015 and was told I was denied but a second request was put in on XXXX XXXX. Why was n't I informed and why is this something I need to qualify for?
Product: Checking or savings account

zelle and XXXX XXXX both closed my account since i had my friends send me money, they never gave me a reason on why i want money now from them
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ; XXXX and Transunion are reporting incorrectly that I am ( 120-180 ) days late on XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. I am not disputing any prior late payments however, this account is being reported as if I am past due in present day. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due. This incorrect reporting is harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

In my previous complaint, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX OPM data breach as well as XXXX XXXX XXXXXXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXXXXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}
Product: Debt collection

The midstate company keeps calling about debt that was erased n 2020 then they adding it back on then I dispute it then they put n collections then o dispute again email them ask for itemized bill n XXXX they still call send no bill and then I tell them n XXXX and then they say they will send bill
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the 2nd time I've complained about being a victim of identity theft. You must remove/block any account that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXXXXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX Balance : {$0.00} ( Original Creditor : ) XXXX Balance : {$50.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXXXXXX Balance : {$440.00} XXXX XXXX XXXX XXXXXXXXBalance : {$0.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

Discover financial services had a promotion being offered for me on my current account with them of 0 % for x months on balance transfers. My rate on my credit card from another credit card company was high so I thought I take advantage of this offer. I knew and read that the APR rate would change after the promotional period was over. Where I was mislead was I didn't see or at the very least understand that my payments would go towards the lower interest balance ( transfer balance ) first, then the regular balance. I transferred the balance from the other credit company and paid the transfer fee. I saw no disclosures that payments made on the account will apply to the lower APR account, or the balance transfer. Now I am paying interest on the account and this is contrary to the advertised 0 % balance transfer. Had it been made clear to me that my payments would be applied to the lower APR balance then I would have not made the transfer.
Product: Credit reporting or other personal consumer reports

I am filing this complaint against MoneyLion Inc. regarding their reporting of inaccurate and harmful information on my credit report, which has caused significant financial and emotional damage. 

On XX/XX/year>, I sent MoneyLion a formal notice disputing the accuracy of the information they reported to the credit bureaus regarding the account number XXXX. I cited my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) and requested validation of the alleged debt, which they have failed to provide. Despite my request, MoneyLion continues to report the account as charged off, with a balance of {$430.00}, causing serious damage to my credit score. 

The inaccurate reporting of this account has led to multiple denials of credit, negatively affecting both my personal finances and business. Furthermore, this situation has caused significant emotional distress and damaged my reputation. 

MoneyLion 's reporting is not only inaccurate but also violates the FCRA, as they have failed to correct or verify the debt. Under the FCRA and FDCPA, MoneyLion is required to either provide validation of the debt or cease reporting the account. Their failure to do so has resulted in substantial harm to my financial standing. 

Actions Taken : On XX/XX/year>, I sent a formal debt dispute and validation request to MoneyLion under 15 U.S.C. 1681s-2 ( FCRA ) and 15 U.S.C. 1692 ( g ) ( FDCPA ).

Despite this request, MoneyLion has continued to report inaccurate information, failing to validate the debt or provide a satisfactory response. 
I have not received any communication regarding the requested debt validation, and the erroneous information remains on my credit report, negatively impacting my creditworthiness.
Product: Credit reporting or other personal consumer reports

There are accounts and inquiries that I was unaware of being on my credit report therefore is inaccurate due to a data breach from XXXX my information was promised to be safe and therefore it wasn't and these are the results all the inaccurate inquiries and accounts on my report that I have no knowledge of.
Product: Credit reporting, credit repair services, or other personal consumer reports

My TransUnion report has an account listed for XXXX with a mailing address for XXXX XXXX as the reporting company. On XXXX/XXXX/XXXX I sent a letter to XXXX XXXX disputing the accuracy of their reporting to TransUnion. The envelope was returned to me as " Return to Sender, Attempted Not Known, Unable to Forward '' On XXXX/XXXX/XXXX I sent a copy of the returned mail envelope to TransUnion requesting they delete the account as they are reporting inaccurate information ( specifically the address of the company reporting ). They signed for the certified letter on XXXX/XXXX/XXXX. As of XXXX/XXXX/XXXX this item is still reporting on my file. This is a violation of my consumer rights under the Fair Credit Reporting Act.
Product: Checking or savings account

On XX/XX/23, I attempted to mobile deposit via AXOS bank, a {$5000.00} check from my grandma who banks with XXXX XXXX XXXX XXXXank. Their app was glitching, so I called their customer service and they were aware of it and said to mail it in of find an atm via their app. They dont own ATMs so I had to spend 3 hours running to 3 different ATMs to find one that would accept the check on their behalf. The third atm took it. 

XXXX I get an email saying my accounts been restricted. 

Several times after this I called and kept getting run around a saying oh its the check, they have to verify that its legit to oh I dont know why its restricted or who restricted the account. Every time I call they say its been escalated and I would be getting a call and to this day its been a complete utter lie. Zero calls zero results.

Ive had to have made at least 10 phone calls.

I can see putting a hold on the check itself but not the whole XXXX account!
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX Account Number:XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number:XXXX Account Name XXXX XXXXXXXX XXXX XXXX Account Number:XXXX has violated my rights. Or a list of inquiries : 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 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

Outrageous Overdraft fees to the point of where it forced me to stop banking with wells fargo all together. I was constantly fighting with the bank because my account would say so much available so I would spend based on what was shown and the outrageous overdraft fees would be compounded then my account would be hundred of dollars overdrawn with in hours of spending what was shown available in my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not Authorize XXXX to give Inquiries on the following dates XX/XX/XXXX  and XX/XX/XXXX. These Inquiries are fraud I did not authorize them.
Product: Credit reporting or other personal consumer reports

I never authorized or set up these accounts, and I believe they might be acts of fraud. Please conduct a comprehensive investigation into these accounts and take the necessary steps to remove them from my credit report. It's essential for maintaining the correctness of my financial records.
Product: Debt collection

Midland Credit Managemen XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, MI XXXX XXXX To Whom This May Concern, This letter is a formal complaint that you are reporting completely inaccurate and misleading information on my credit report. This inaccurate information is not only stopping me from obtaining credit, it is damaging my financial well being and seriously hurting my character.

Enclosed with this letter are the details of the account in dispute, with all of my personal information to verify my identity to help expedite this process.

By provisions of 15 US section 1681i of the Fair Credit Reporting Act, these items need to be investigated. Please provide me with proof of these items, specifically the contract bearing my signature. Failing that, please update the record to show as PAID IN FULL/AS AGREED or REMOVE this item from my credit report as soon as possible. This is a very serious matter affecting my everyday life. 
The outlined item is completely inaccurate and a very serious error in reporting. Please update this information : ACCOUNT NAME : Midland Credit Mangemen Account # : XXXX This account is listed as a collection/charged off account on my credit report but I have not received a 1099C for this charged off debt. Can you please provide me with a 1099C to accurately reflect this as a charge off for tax purposes and please update my credit report accordingly.

Pursuant to 15 US section 1681i ( 6 ) ( A ) of the Fair Credit Reporting Act, please provide me with the description of the procedure used to determine the accuracy and completeness of the information, to be provided within 15 days of the completion of your investigation. 
I appreciate your prompt attention to this matter as these may seem like small reporting errors to you but they are serious offenses on my report when it is time to purchase a home, a vehicle, look for a business loan or even to obtain employment. 
Please consider expediting this process for me. Thank you. 

Sincerely, XXXX XXXX