23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I have been making all my payments to mortgage company ( Caliber Home Loan ) on time, that includes Escrow ( tax, insurance etc. ). Recently I have been informed by my insurance provider ( XXXX ) that my mortgage company has not made any payments to insurance provider. XXXX has canceled my insurance and are not ready to reinstate the policy. I called Caliber four times in last three days between XXXX XX/XX/XXXX to XX/XX/2020 ). I was told by mortgage company representative ( on XX/XX/2020 ) that they will call insurance provider and will make overnight payment to reinstate policy. I called mortgage company again today two times and asked about the status on their discussion with XXXX. I asked them to connect me with a supervisor to resolve the issue. No supervisor was available and I was asked to leave a voicemail. I left the voicemail and requested mortgage company manager to call me back to resolve and close the issue. No called receive so far. 

My home is uninsured at the moment and XXXX has served me a collection notice. They are not ready to renew my policy. I have been suffering due to mortgage company 's ignorance on not making payments to insurance provider. There is no delay from me on my mortgage payments and all my dues are clear till date, still I'm facing this issue of non-payments to insurance company. Mortgage company is suggesting me to get new policy with other provider, which will increase my payment.
Product: Debt collection

As of XXXX the debt was owe is {$2100.00} action are they trying to collect a debt that I owe with XXXX XXXX XXXX XXXX XXXX XXXXXXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/18 I received an alert on my credit monitoring site that " National Credit Adjusters '' added a collection account to my credit reports. After some research of my own, the original creditor is listed as a company named " XXXX XXXX XXXX ''. Seems as though national credit adjusters purchased a debt from XXXX XXXX XXXX. Unfortunately this is a fraudulent loan obtained using my personal information without my knowledge or my permission. Upon learning of the situation all credit bureaus have been notified. An FTC identity theft report has been filed, as well as a police report. This alleged debt does NOT belong to me. I have never stepped foot into " XXXX  XXXX XXXX '' nor did I request their services. Per the FCRA section 623 imposes the following duties : All furnishers must have in place reasonable procedures to respond to notifications from CRAs that information furnished is the result of identity theft, and to prevent refurnishing the information in the future. A furnisher may not furnish information that a consumer has identified as resulting from identity theft unless the furnisher subsequently knows or is informed by the consumer that the information is correct. Section 623 ( a ) ( 6 ). If a furnisher learns that it has furnished inaccurate information due to identity theft, it must notify each consumer reporting agency of the correct information and must thereafter report only complete and accurate information. Section 623 ( a ) ( 2 ). When any furnisher of information is notified pursuant to the procedures set forth in Section 605B that a debt has resulted from identity theft, the furnisher may not sell, transfer, or place for collection the debt except in certain limited circumstances. Section 615 ( f ). Failure to comply on your part will result in a citation for FCRA Section 15 U.S.C. 1681s-2. I am also protected under Texas Identity Theft Enforcement and Protection Act through the Office of The Attorney General. I am taking the matter very seriously and I appreciate all assistance/ cooperation from your establishment. Delete this account immediately.
Product: Credit card

A credit card I have no knowledge of is showing on my credit report as delinquent and charged off. I disputed the credit card with both XXXX and XXXX credit reporting agency and got a response saying that the card is charged off and would be on my credit report for 7 years. I did not apply, use, pay or have knowledge of this debt. Not sure who did this. There was a history of good payment history as to why I did not know of its existence until whomever stop paying and I started getting negative letters when applying for other credit.
Product: Credit reporting or other personal consumer reports

in accordance with the Fair Credit reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

I am reaching out to address potential errors on my credit report. I kindly request your thorough examination of the following information to ensure its accuracy, timeliness, completeness, and verifiability. 

I have no knowledge of the accounts listed below and therefore request an investigation into their origin. I possess no documents such as a police report or fraud affidavit pertaining to these accounts. Additionally, please verify that they are not untimely, incomplete, inaccurate, or unverifiable. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I hv lots of late payments and delinquent accounts that I didn't do. I got a few letters fromm Att and trouble saying my personal onfo was leaked.
Product: Credit card

To Whom It May Concern, I am writing to file a formal complaint against American Express regarding the recent cancellation of my credit card account. I have been a loyal customer to American Express for a number of years and have consistently maintained good standing with no prior issues. 

In XXXX of XXXX, I contacted American Express to resolve a dispute with XXXX of their representatives. During this conversation, I felt that my concerns were not handled appropriately, and subsequently, my credit card was canceled without any prior warning or justification. 

This cancellation is particularly troubling as it prevents me from ever opening an American Express account again, which I believe is unfair and unjust given that the cancellation stems from a disagreement with a customer service representative. I have always fulfilled my obligations as a cardholder, and this action seems to be an overreach in response to a misunderstanding rather than a legitimate breach of policy. 

I request that the CFPB investigate this matter and provide guidance on how to resolve the situation. I would appreciate any assistance you can offer in rectifying the cancellation of my account and restoring my good standing with American Express. 

Thank you for your attention to this matter. I look forward to your prompt response.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputes this account on XX/XX/2023. I have sent in my drivers license and now TransUnion is still requesting information for my identity. My complaint number XXXX. However, they will not delete this account XXXX Account # XXXX I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that l am requesting " validation '' : that is competent evidence bearing my signature. 

Please also be aware that any negative mark found on my credit reports from your company or any company that you represent for a debt that I don't owe, is a violation of the Fair Debt Collection Practices Act FDCPA 807 ( 15 USC 1962e ) ; therefore, if you can not validate the debt you must delete.
Product: Checking or savings account

On XX/XX/year>, I received an email from Chase advertising a promotion to open a checking and savings account. The offer terms required the following : ( XXXX ) open checking and savings accounts by XX/XX/year>, ( XXXX ) set up direct deposit of XXXX or more to the checking account, ( XXXX ) deposit XXXX in new money to savings within XXXX and maintain for XXXX. 

On XX/XX/year>, I clicked on the link in the email and opened both accounts. I informed my employer to direct deposit XXXX of my pay into the new checking account. I deposited XXXX of new money from my credit union to chase savings. 

Chase activity shows the checking account qualifying activity were fulfilled on XX/XX/year> with a payroll deposit of {$500.00}, and the saving account qualifying activity of XXXX deposit ( with XXXX clock ) were fulfilled on XX/XX/year>. 

The terms of the promotion claimed I would receive XXXX bonuses within XXXX of completing the requirements : ( XXXX ) XXXX for checking with direct deposit of XXXX, ( XXXX ) XXXX for maintaining XXXX in savings for XXXX, and ( XXXX ) XXXX for completing both qualifying activities. 

On XX/XX/year>, in good faith I informed Chase via their XXXX XXXX that XXXX have passed since my qualifying activity to receive the XXXX bonus for checking and requested they investigate. I included the unique coupon code that was emailed to me. I received a response from Chase on XX/XX/year> that the promotion code from the email did not get attached to the account application, and requested I call to speak with a XXXX. 

On XX/XX/year>, I called the Chase Specialist and at first was told there was no recourse. I objected and was escalated to a supervisor that confirmed my case will be forwarded to their research team, and could take more than XXXX to resolve. 

This is not acceptable handling of a Chase mistake. I informed the supervisor that I will be submitting the complaint to create a record and impose a timeline on a resolution. 

Im expecting XXXX bonus that was due on XX/XX/year> to be awarded ASAP, and the remaining XXXX bonus to be awarded on or about XX/XX/year>.
Product: Debt collection

All I know is I have over 2000 dollars on my credit report and these incompetent ********* are trying to tell me I enrolled in school and went a certain amount of days I most absolutely DID NOT!!! THEY PROVIDED SOME XXXX PAPER WORK THAT ANYONE COULD HAVE FILLED OUT and their reasoning is I supposedly went to this school for 60 something days which I absolutely did not! You have to go to school a number of days to even get the student loan so that's clearly what happened!!!!! Someone impersonated me and the. Dropped put when they got the money!!!! How tf was I going to school in XXXX XXXX when I lived in XXXX at the time?!?!?!?! I WANT THIS TAKEN OFF MY CREDIT BC IT IS FRAUD AND IDENTITY THEFT! I'VE BEEN DEALING WITH THIS SINCE 2010 AND I'M SICK OF IT!!!!! I WANT THIS OFF NOW!!!!!!
Product: Mortgage

I spoke to the senior loan officer XXXX XXXX at Freedom mortgage on XX/XX/2020 about refinancing my VA home loan here in XXXX Florida and I told him that I had {$100000.00} that I wanted to put toward the principal of the loan and he agreed that it would be done that way on XX/XX/2020 I received an email to sign some closing statements and upon reading the statement he didn't write the loan statement up to what we had agreed to. He wanted to use my XXXX XXXX dollars to prepay the finance charges upfront over the entire history of the loan and continue to charge monthly interest also instead of putting my XXXX towards the principal I feel that this was very fraudulent and deceitful Behavior buy a mortgage company. I want to put that money to good use because my wife is seriously ill she suffered a massive XXXX massive XXXX XXXX XXXX and she's XXXX and she's 100 % dependent on my care I want to make sure that our monthly mortgage payment is always affordable so that I could keep a roof over her head and financially secure. With her major illness prepaying {$100000.00} finance charges is not putting the money to good use I feel this is very fraudulent Behavior it needs to be dealt with and now I can not contact XXXX XXXX XXXX at all his email doesn't work anymore no one at the company seemed to know who he is.This needs to be investigated to see if other people are being treated this way.The name of the company is Freedom mortgage the address is XXXX XXXX XXXX XXXX XXXX XXXX New Jersey the lender XXXX ID XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Transunion several times via phone online, and via first class mailings on many occasions in regard to inquiries that was placed in my name that did not belong to me and that I did not authorize, and I am not familiar with. I get the same results each time and I have had it, it makes it look very bad on my credit report and reporting negatively. I am trying to refinance something on my credit report and it makes it difficult when theyre checking credit, and I have numerous inquiries that does not belong to me reporting inaccurately. I have disputed and reached out to XXXX   several times and they say the same thing over and over. The companies either need to send proof or validation or it needs to be removed. These inquiries do not belong to me. I've done the FTC Identity theft report ( XXXX ), I've called Transunion and they've told me that their handling it and they received proper paperwork and I should see an update and I never do. The last rep I talked to stated she was taking care of it only to find out she had the account set to auto review as the next representative stated in the last phone call, I haven't had any luck with this. The following inquiries are what is being reported : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX  XXXX, XXXX XXXX. I have even sent copies from XXXX XXXX XXXX showing that they deleted items that Transunion keeps saying verified. How can they all be using the same information, but some bureaus are correcting items & the other is saying verified which is totally incorrect.
Product: Credit reporting or other personal consumer reports

Ive spoken with XXXX XXXX XXXX XXXX throughout the year XXXX recently about a charge off they were reporting on my credit. A vehicle was taken from me from a dealership that I entered contract with to purchase. XXXX requested the dealership to buyback this loan. They did not. Thats why this is on my XXXX XXXX XXXX told me. However, through all of my digging its been verified through XXXX XXXX that they never acquired the title from the dealership, therefore shouldve never been placed as XXXX holder on this contract, per XXXX law. This agreement was never fulfilled at the start. Therefore the contract is null and void. Nothing about this account is right. The car was repossessed and never sold even after I asked for the car to be sold. The dealership is no longer in business. They basically stole the car and now theyre making me responsible for a shady business practice.
Product: Credit reporting

I have a Ar. Child Support ENF on my credit report that i would like to dispute, because i do not or have not ever had to pay child support in my life time. They contact number on my report is XXXX can you please help me get this information off my record please.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were 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 relating to any transaction by the consumer. 
Medical XXXX Balance : {$2900.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XX/XX/2022 ; XXXX XXXX XXXX  XX/XX/2022 ; XXXX XX/XX/2022 XXXX
Product: Credit reporting or other personal consumer reports

I am writing you this statement to delete the following information provided on my credit report. The items I need deleted are listed in the report. I am a victim of identity thief and I demand that you remove these errors to correct my report immediately. I have reported this to the federal trade commission and have attached the federal trade commission affidavit. Now that I have given you the following information, please correct my credit report or I shall proceed with involving my attorney!
Product: Credit reporting, credit repair services, or other personal consumer reports

PLEASE RE-INSERT ALL MY XXXX XXXX  ACCOUNTS BACK ONTO MY CREDIT REPORTS, ALSO, GET A HOLD OF YOUR XXXX REPRESENTATIVE TO ASSIST YOU IN THE MANUALLY RE-INSERTION OF SAID ACCOUNTS. I NEED A LETTER FROM THEM AS SUCH. THE CREDIT FURNISHERS AND XXXX   IN DISRUPTING THE FABRIC OF FINANCIAL CREDIT APPARATUS, TRI ANGLE OF THE INDUSTRY IS AT STAKE, CRA-CREDITORS-CONSUMERS. FINALLY THE DODD FRANK ACT AND XXXX XXXX SINCE XX/XX/2015 HAS VIOLATED THE F.C.R.A. ( FACT-ACT ) AND 15 U.S.C. Section 1681g.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX XXXX and I submitted this claim myself and no third party involved. I XXXX XXXX XXXX XXXX, XXXX Person and creditor. I submitted A FTC identity theft report to remove this fraudulent account XXXX. They received the FTC and told me it will be off on XXXX. But I checked my credit report. Seven 30 days later and it is still on my report. According the Fair Credit Reporting Act 15 U.S.C 1681 Section 602. A block was suppose to happen within 4 business days after the date of receipt.
Product: Debt collection

I emailed Simon 's agency inc asking for a detailed explanation of a bill they have in my name and when/where the charges incurred. I have not heard back from them. They are reporting to credit bureau and I have NOT sent me a letter or any information as to what this is about. I had a lot of problems as a result of a messy divorce and an ex roommate. I am thinking this has something to do with XXXX of those XXXX situations. I came out of treatment for XXXX a few years ago so I had moved to NY temporarily to be treated at XXXX XXXX XXXX XXXX. I have an ID card from the hospital as proof. I would like this removed from my credit right away until I am given the info requested so it can be resolved.
Product: Mortgage

On or about XX/XX/2006 I have contracted the purchase of two 5 family buildings four mortgages were established two main accounts and two piggy back accounts. XXXX M & T Bank raised the interest rate from 9.5 % to 11 % without any contractual basis, furthermore I have requested a payoff to potentially pay these mortgages off they were charging me charges which seemed unlawful such as recording fees, other funds due ( which are not detailed ) release fee, and a payoff letter fee all of whom are illegitimate and not contractual. They are not willing to show me any legitimate documents that allows them to request these high interest rates which I have been paying for 14 years with no incidents, or request these payoff fees. M & T has really engaged in a racketeering enterprise.
Product: Credit reporting or other personal consumer reports

It appears that my my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be fraud due to identity theft. The dispute items do not belong to me. XXXX attaching the required FTC Report for you and the bank 's records. Please block/remove these items. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$320.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX {$8600.00} XXXX XXXX Inquired on XX/XX/XXXX XXXXXXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$320.00} XXXX XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX XXXX XXXXXXXX XXXX  XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$320.00} XXXX Inquired on XX/XX/XXXX 2023
Product: Credit reporting or other personal consumer reports

Under XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX subject to subsection XXXX XXXX XXXX and except as provided in subsection XXXX XXXX XXXX, If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 
XXXX XXXX XXXXXXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 : DEPT OF EDXXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX has violated my rights. Or 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: Mortgage

I refinanced my home in XX/XX/XXXX with same company ( Wells Fargo ) using the HARP Program but a year later they are telling me that my mortgage incurred a escrow shortage of over {$1800.00} which will add {$200.00} to my {$1600.00} payments. I am now paying more than I did before I refinanced. I was given an overpayment escrow check of {$840.00} but I turned around and applied it to my refinanced loan because I knew it was n't free money. I 'm not certain in if it was misapplied or not. Also, my tax assessor stated that my taxes did not increase more than $ XXXX {$300.00} in XX/XX/XXXX. Another words, I did n't have a big tax increase. I 'm wondering if it was a mishap when they refinanced originally back in XX/XX/XXXX and did n't calculate the escrow properly in the 1st place. I called Wells Fargo for an explanation regarding the large escrow shortage because as long as I 've had a mortgage its never been this much. This is really causing me a hardship. I refinanced to save money and now its costing me more than the original mortgage payments. By the way, the person I spoke with at Wells Fargo said that they like to have at least {$1300.00} extra for escrow beyond what is actually due and that 's nice but its not affordable for me.