23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

My husband and I have been Stearns customers since XXXX of XXXX, shortly after we purchased our new home. Between the end of XXXX and the end of XXXX, our mortgage was sold from Stearns Lending to another company, and then repurchased by Stearns, which seems to be when this issue first arose. When our mortgage was reacquired by Stearns, they somehow miscalculated our PMI ( the value of which, {$190.00}, has not changed since we purchased our house in XXXX of XXXX ) as {$16.00}, despite taking out the full {$190.00} from our escrow account each month. This obviously created an escrow shortage, and by XXXX of XXXX that shortage amounted to {$1900.00}, which was then split up and added to all of XXXX 's payments, beginning in XXXX of XXXX. In XXXX of XXXX, our full mortgage payment was {$1300.00}, and in XXXX our full mortgage payment increased by over 23 % to {$1600.00}. 

In XXXX of XXXX we requested an escrow analysis, at the urging of an employee at Stearns, who assured us that the PMI mistake was fully on Stearns shoulders, and she would look into the issue for us after an escrow analysis was completed. After the escrow analysis was complete, our payment went down by about {$30.00}, but we never heard back about the cause of the escrow shortage, nor did we hear back about Stearns ' mistake in calculating our monthly payment for all of XXXX. I 've spent hours on the phone trying to contact their customer service department, which is not easy to get a hold of, and I 've spoken to many employees over the phone, and a couple over email, in an attempt to get this incredibly inconvenient and detrimental mistake fixed. I do not understand, due to Stearns ' grievous miscalculation of a constant value in our mortgage payment, why my husband and I would be responsible for almost {$2000.00} of repayment for a mistake that is not our own.
Product: Credit reporting or other personal consumer reports

XXXX Block Request Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter. 
Please send me notification of the actions taken. I greatly appreciate your prompt expedited action to this matter
Product: Credit reporting or other personal consumer reports

This is fraudulent! These companies are in violation of 18 U.S. Code 1028A.

Also, I did not consent to authorize the sharing of my non public information. The reporting of the information is NOT fair and equitable to me as the consumer.

15 USC 1681 section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

Also, they aren't even in compliance with Metro 2 credit reporting. 

I have evidence to prove my case! 

LIST OF ACCOUNTS BEING CHALLENGED ; XXXX XXXX XXXX XXXX {$6400.00} XXXX - XXXX {$790.00} XXXX  - XXXX {$12000.00} XXXX - XXXX {$510.00} XXXX - XXXX
Product: Debt collection

I checked my credit and saw an account from PHOENIX FINANCIAL SERVICES for  XXXX  Hospital in the amount of {$100.00}. Please be advised this debt reported is a VIOLATION of the HIPAA Act of 1996. When I received service from the facility, I made them aware that I was a vagrant and needed financial assistance. 

PHOENIX FINANCIAL SERVICES did NOT provide me with any correspondence about this debt or the right to dispute nor did they request a HIPPA release to release my medical information to them. Therefore, they are in VIOLATION of my HIPPA rights. I am proceeding with legal action as prescribed by law against PHOENIX FINANCIAL SERVICES should this item not be deleted within the required time allowed by law. 

PHOENIX FINANCIAL SERVICES is in direct violation of HIPAA regulations, and are facing fines up to {$1000.00}, even possible jail time. I will seek every legal remedy available to me and file suit against XXXX, XXXX  and XXXX as well, since they are incorrectly reporting this debt, too. 

I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously as I have no idea where this debt is coming from and I do not owe this company any money.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX Advantage Credit , Inc. accessed my credit report with a hard pull. I did not authorize this pull. I have never heard of this company. It has negatively impacted my credit score. I have tried to contact the company multiple times but have gotten response. 

On XX/XX/XXXX Advantage Credit , Inc. accessed my credit report with a hard pull. I did not authorize this pull. I have never heard of this company. It has negatively impacted my credit score. I have tried to contact the company multiple times but have gotten response. 

On XX/XX/XXXX Advantage Credit , Inc. accessed my credit report with a hard pull. I did not authorize this pull. I have never heard of this company. It has negatively impacted my credit score. I have tried to contact the company multiple times but have gotten response.
Product: Credit reporting, credit repair services, or other personal consumer reports

My dispute with Experian was submitted on XX/XX/XXXX and I received two separate emails from Experian on XX/XX/XXXX. Initially, there was one received at XXXX XXXX, followed by the second at XXXX XXXX. The first contains disputed results, while the second contains information titled, " Important information. '' ( copies attached below ) After logging into my Experian account, I noticed that all information regarding XXXX XXXX had been removed and XXXX XXXX had been added. It would be helpful if this account could be removed. 

Despite the fact that the address had also been removed, Experian removed all information from XXXX XXXX. 

The same day, XX/XX/XXXX, Experian sent me an email with Report Number XXXX indicating that the reinvestigation of the dispute you recently submitted has been completed. However, the results indicated that : Your dispute results are not currently available online. 

This is yet another instance of Experian violating my rights in order to save its own skin by violating someone else 's rights. Their report deletes the XXXX information, and reenters it with false information in the " Status, '' but does not include the account under dispute. 
To inquire about how they " verified '' this account without providing any proof, bearing my signature on this alleged debt, I would like Experian to send me details regarding how they verified this account.
Product: Debt collection

Halsted Financial has been contacting me on behalf of XXXX XXXXXXXX XXXX XXXXXXXX. via my mobile phone about a debt owed. The consumer has no contract with Halsted Financial and no debt owed to XXXX XXXX XXXX XXXX. as all debt has been paid and prepaid via the U.S. Bankruptcy confirmed on XX/XX/XXXX ( see XXXX Report No. XXXX, codified at 12 U.S.C.A. 95, House Joint Resolution 192, Executive Proclamation No. 3972.

U.S. Bankruptcy impairs the obligations and considerations of contracts through the Joint Resolution To Suspend the Gold Standard And Abrogate the Gold Clause, - XX/XX/XXXX as it may operate within the State. As States of the XXXX that pledged the faith and credit ( of the people ) thereof to the aid of the National Government in respect to the National Emergency in and around XXXX. The U.S. Bankruptcy/National Emergency , lawful Constitutional money has not been reinstated and is not in circulation to allow the people to pay their debts at law. 
See UCC 1-308 and above. Also see XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Wall. 535 535 ( 1866 ) Page 71 U. S. 551 " Nothing can be more material to the obligation than the means of enforcement. Without the remedy, the contract may, indeed, in the sense of the law, be said not to exist, and its obligation to fall within the class of those moral and social duties which depend for their fulfillment wholly upon the will of the individual. The ideas of validity and remedy are inseparable, and both are parts of the obligation, which is guaranteed by the XXXX against invasion. The obligation of a contract 'is the law which binds the parties to perform their agreement. 
I know that Federal Reserve notes are not defined as obligations. See 18USC8 I know that Halsted Financial, XXXX XXXX XXXX XXXX  and the corporate United States the District of Columbia can not use anything but gold and silver coin in tender and payment of debt. See constitution for the united States 1789 article one section 10.
Product: Credit card or prepaid card

in 2017 on my report but they remove it as identity theft or fraud i been on phone with capital one but they dont care about identity theft or fraud i want they to fix i already file a fairshake law
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 how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : XXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX Owed : {$120.00} XXXX XXXXXXXX Balance Owed : {$160.00} XXXX XXXX XXXX XXXX Balance Owed : {$5100.00} XXXX XXXXXXXX XXXX Balance Owed : {$610.00} XXXX XXXXXXXX Balance Owed : {$40000.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance Owed XXXX {$550.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$150.00} XXXX XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$610.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed XXXX {$910.00} XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$550.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Owed : {$1600.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$1000.00} XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$1300.00} XXXX XXXX Balance Owed XXXX {$3000.00} XXXX XXXX XXXX XXXX Balance Owed : {$590.00} 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 XXXX business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to cosign tor my son a car and after being there for about 4 hours my son was denied for his car because of me being a cosigner. I went home and pulled my credit again and on one of those credit sites and there are some things on there that are not mine. I have reached out to the FTC and to my local police department and I am doing this all on my own. These need to be removed XXXX XXXX. XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX  XXXX and there is a bankruptcy showing on my credit as well. I have never even thought of a bankruptcy. Please have these items taken off my credit Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I viewed my credit report and found late payments below.. 
Creditor : XXXXXXXX XXXX  Account:XXXX I was never late 30, 60, or 90 days late in the months of XXXX, XXXX and XXXX. Im not sure when this happened or what could have happened. I believe that I had made my payments to your company when I received my statements. My only thought is that there is a billing error with my statements.
Product: Credit reporting, credit repair services, or other personal consumer reports

Going over my consumer report I h

ave notice you are reporting two capital one accounts on my report. I demand these accounts to be removed from my consumer report. I id not give you written instruction to report anything on my report so this must be removed ASAP. Violation of 15 usc 1681b ( a ) ( 2 ) -Permissible Purpose of consumer report as it states " In general subject to subsection ( c ), any any consumer reporting agency may furnish a consumer report under the following circumstances and no other. ( 2 ) In accordance with the written instructions of the consumer to whom it relates. It is in fact that I am a consumer and did not give you any written permission to furnish these acc
ounts on my consumer report.Which is my reasoning for you all to delete BOTH XXXX XXXXXXXX ACCOUNTS from my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a bank account with bank of america years ago. Due to a death in the family and having to move around I ended up over drafting my account I was not able to immediately pay this back. I called multiple times to let them know I would pay it the following year wen I got income tax. I asked questions about my credit ect I was told if I pay the balance I wouldn't be reported to any agency there would be no penalties but the account would be closed. I did not want that as i need a bank account for various reasons in the adult world. I asked if there was a way I could get a settlement on the amount as I was experiencing severe hardship I was advised it wasn't possible When I called to pay the full balance I asked again before paying how paying the balance was beneficial and if the account was closed ect i was reassured paying the debt would resolve any consequences ect I was told i could open another bank with someone else as i was not able to open an account while owing bank of america I paid using all the money I had. When covid hit i tried to get a loan, i tried to open an account with a credit union i tried to get assistance i tried to go into business for myself all failed due to account becoming marked as closed for fraud in XXXX even though it was closed due to over draft and bank of america kept transferring me around for hours my phone log will show i have called bank of America and XXXX XXXX for years and spent hours and called daily trying to get it corrected to account abuse. I specifically asked in my dispute for proof in writing I did not receive that and XXXX XXXX would not remove it and bank of america would not remove it and an employee even told me it should be removed and risk told me it needs to be updated or at least removed after reviewing but nobody has done anything. I read the fcra and it states that inaccurate information must be removed and it is inaccurate but they will not remove or even update it and it is causing a delay in my financial life as well as costing me to lose XXXX  OF DOLLARS in business credits for a business i pay for yearly but cant get funding for due to this error. They also reported me to XXXX XXXX for fraud account but this was not a fraud account and they keep saying there is nothing they can do about it. I have requested them to send me a explanation in writing how this is accurate and they declined. They even declined through XXXX XXXX stating it will not be changed. They took the payment for a long standing account that was over drown once and closed it as fraud and reported me to be XXXX and prejudice against upcoming XXXX trying to do right. If they just didnt want my business anymore thats fine but to report lies to stop me from moving on with my life is unethical and im finding alot of issues and class action suits about bank of america these days it cant be a coincidence. Please help be get this removed as I would hate to waste any more years my family and i are suffering over their lies.
Product: Mortgage

Loan originally through XXXX XXXX XXXX, loan was modified through XXXX XXXX XXXX. XXXX XXXX XXXX had an incentive if I paid my loan timely for five years up to {$1000.00} per year would be applied back to my balance. I paid timely the entire five years. Then the loan was sold to Greentree Servicing who reflected the " pay for success '' incentive on my quarterly statements. then they sold the loan to Ditech, around XXXX 2015, who despite numerous inquiries will not respond and will and does not reflect this incentive on my current loan with Ditech. I have attached a copy of when the loan was with Greentree and it showed the incentive balance and then a copy of after it was sold to Ditech and the incentive balance simply disappeared.
Product: Debt collection

I have a debt collection for a credit card that I never applied for. I have never utilize this charge account what so ever. I have reason to believe someone may have obtained my information to open this account without my consent. This debt does not belong to me.
Product: Debt collection

I am the recent victim of potential identity theft so I recieve alerts to my phone whenever there is a change to my credit report. I recieved a notification from Diaz and Associates that I owed {$780.00} from XXXX XXXX from XX/XX/XXXX. I promptly called Diaz and Associates because I had no recollection of the debt. The representative I spoke too immediately tried to get me to " settle '' the debt even-though when verifying my address they had me listed in XXXX not XXXX where I have resided for the last four years. When I disputed the debt and asked for it to be verified I was transferred to another gentlemen who wanted to argue with me and refused to verify the debt. He then claims a notice was sent out to me and that he could email me a verification of the debt on the spot, which I know is not appropriate because I would think he would be able to verify all of that with the original debtor. When I advised him that I will not be paying today and I would be filing a complaint, he responded, " I don't care file your complaint ''. Now my credit score has  dropped 20 points for a this debt that this company can not verify. In addition, they claim the debt is from XX/XX/XXXX but they are only now trying to contact me.
Product: Money transfer, virtual currency, or money service

I was having problems with my cash app card I made reports I called the XXXX number I saw on the website it didnt work at all I didnt get any help
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. 
( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my personal credit which I acquired from Equifax on XXXX and I noticed several unauthorized inquiries had been made. On XXXX at XXXX I request for the following inquiries be removed : XXXX ( XX/XX/XXXX ) XXXX Bank ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX of XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) I was informed by the agent that the dispute would start and I should have results within 30 days. Today is XX/XX/XXXX only 9 days from when this dispute was started. I called into Equifax and spoke with an agent on XXXX @ XXXX he proceeds to tell me that they had proof of those inquiries listed but no information was sent to me. I would like to have a description of their investigation if the referenced above inquiries are valid. They have n't sent me no documentation stating that I made the following inquires. If no valid information can be sent to me showing that I made those following inquires I would like them deleted off my credit report.
Product: Credit reporting or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The account I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the listed account. XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$2400.00}
Product: Checking or savings account

I have been using my Citibank as normal. I transferred money to my fathers bank account in XXXX, and to my XXXX account, on the XXXX of XXXX, XXXX and the XXXX of XXXX, XXXX. After that the bank fr oze access to my funds in both my savings and checking bank accounts. When I called them on XXXX Phone XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX, they told me that the bank had frozen my accounts and they could not do anything as an i nvestigation was pending. They refused to tell me which transaction triggered the investigation an d review and disconnected my call. I called them again on XX/XX/XXXX, and I was transferred to multi ple departments, who could not tell me what the problem was. They just kept transferring me to oth er departments. Finally someone told me that I can not do anything until my account is being review ed, and that it could take months. I have around XXXX XXXX dollars in my account which I nee d to access to, so I can pay bills etc, but the account is frozen with no explanation.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below have 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  has violated my rights 15 U.S.C 1681 section 602 A. States that I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : states a consumer reporting agency can not furnish an account without 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 ). States 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.