23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Purchased this home in XXXX. Mortgage obtained from XXXX. Mortgage was based on principal and interest only, with taxes and insurance paid by me. 

At some point, mortgage was purchased by Provident Funding. 

Beginning on XX/XX/XXXX, Provident is now requiring an escrow account, with the payment now being an additional {$360.00} in monthly escrow beyond the {$1000.00} payment per the terms of my loan. They have refused to accept the correct payment of {$1000.00}, and will not accept any payment that does not include the additional escrow. 

They also falsely state on my account information that they purchased the XXXX flood insurance. I have attached copies of the flood insurance declarations page as well as my payment receipt, as well as the information and receipts for the homeowners and flood insurance, and taxes. Thus, I have met the requirements of the loan. 

I have also included a page from when the loan originated, stating that there is no escrow account. 

I incurred a charge of {$18.00}, which per the terms of the loan I am required to pay. However, instead of billing me for this amount, or even giving me the option to pay it, they have instead raised my monthly payment {$360.00}, or approximately {$4400.00} annually. 

I sent them a letter on XX/XX/XXXX disputing their changing the terms of the loan, but they have refused to revert back to the agreed upon payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I DO NOT CONSENT TO, AUTHORIZE NOR BENEFIT FROM THE FOLLOWING ALLEGED ACCOUNTS TO 15 U.S. CODE 1602p. BLOCK AND REMOVE THEM. PURSUANT TO 15 U.S. CODE 1681C-2. THIS FTC REPORT W ERROR. I ALSO DID NOT RECEIVE ANY SERVICES. IF YOU THINK I DID PLEASE HAVE A SENIOR EXECUTIVE PRO THE PENALTY OF PEJURY. Pursuant to 18 USC 8. I owe no debt. This company is violating my consumer right to privacy pursuant to 15 USC 1681b 2, company also has NO permission to report ANYTHING using my info pursuant to 15 USC 1681 4
Product: Debt collection

On XXXX/XXXX/16 XXXX reported XXXX accounts from XXXX XXXX which in which XXXX XXXX was the original creditor ... .I disputed the account because I never lived in XXXX XXXX so XXXX DELETED the accounts On XXXX/XXXX/2016 XXXX repoted the same accounts under a different debt buyer. Progressive financial services. I was not notified of the accounts. This is re-aging an account. XXXX an Progressive have not validated the account according to the FCRA
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a debt collection report the original creditor is XXXX cable. They are alleging it is for an early termination fee on a closed account however I signed up online for a NON CONTRACT plan using my debit card on their website. The equipment was mailed to my door no paperwork was ever signed. I did not electronically sign any contracts on their website when I signed up either. I reported the same exact dispute to all 3 credit bureaus and XXXX deleted the item off of my credit report because there is no record of any contract however Experian refuses to delete the item from their report despite the lack of evidence for their decision.
Product: Mortgage

Payoff amounts were incorrect on Closing Documents multiple times. Also addressed with the lending officer that lender fees, and other payoff amounts were incorrect. Process was drawn out from XXXX XXXX due to mishandling of secure documents, and incompetency of lending institution. 

Please contact for further details..
Product: Debt collection

On XX/XX/2016, this debt for { {$890.00} } appeared on my credit report. I have no knowledge of this debt. I am requesting a signed confirmation with my signature that I opened this account. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting on my credit report. Please don't respond to my request by saying that this account has been verified. Send me copies of the documents that you have in your files that were used to verify this account. If you do not have any documentation in your files to verify the accuracy of this disputed account then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for the account listed within 15 days of receipt of this then you must remove the account from my credit report.
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX. XXXX - XXXX XXXX. XXXX XXXX XXXX - XXXX XXXX. XXXX BANK - XXXX XXXX. XXXX BANK - XXXX XXXX. XXXX XXXX - XXXX
Product: Credit reporting or other personal consumer reports

I am writing to you in accordance with the Fair Credit Reporting Act to request an immediate investigation and correction of an accounts listed on my credit file, which I believe to be inaccurate and incomplete. 

The accounts in question appears to contain information that does not accurately reflect my credit history. As such, I request that you thoroughly investigate these accounts and take appropriate action to correct any inaccuracies in my credit file. 

Furthermore, I would like to request verification of the aforementioned accounts. If you are unable to provide verifiable evidence supporting the accuracy of the information contained within it, I kindly ask that you correct the accounts without delay. With this, I am asking for your assistance to correct these accounts in my credit file : XXXX XXXX XXXXXXXX Balance : {$170.00} ; XXXX XXXX XXXX XXXX {$0.00} ; XXXX XXXXXXXX Balance : {$38.00} ; XXXX XXXXXXXX Balance : {$67.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I called Equifax to have dispute remarks removed from my credit report because I'm trying to get a mortgage. The rep asked me a series of authenticating questions. For whatever reason, they needed to send me an email for verification. The rep advised that my request was processed and would be updated in 72 hours or less ( Confirmation # : XXXX ). Using the XXXX XXXX app, I'm able to check my credit report frequently. The dispute remarks were not removed. I called back on XX/XX/2022 to advise that the information had not been removed. The rep again asked me a series of authenticating questions. Again, they needed to send me an email for verification. The rep that I spoke with recognized the issue, processed my request, and I was again told it would be updated in 72 hours or less ( Confirmation # : XXXX ). Again, I monitored my credit report, and again it was not updated. I called this morning at XXXX XXXX, XX/XX/2022, to advise that the information had not been removed. The rep again asked me a series of authenticating questions and sent an email for verification. This rep had to send a text message as well for verification because my email server malfunctioning. For a third time, I was told by the rep that they recognized the issue, processed my request, and it would be updated in 72 hours or less ( Confirmation # : XXXX ). This time, I requested a supervisor because of the prior issues. The rep advised that a supervisor wasn't available, but one would call me back in 2 hours. I did not receive a call. I called back at XXXX XXXX and immediately requested a supervisor. The rep immediately transferred me. The supervisor I reached began to ask me verifying questions. I assumed he would need to send me an email or text message like every other rep, but he didn't offer to send either. He didn't offer to send me a text. He stated that I would have to send written documentation for verification. Frustrated I requested to speak to his supervisor. I was transferred to XXXX, employee number XXXX. He maintained the status quo of stating that I need to send in written documentation. My husband was on the phone with me and made the point that if the supervisor would have called me back as promised, the verification would be different. The supervisor didn't acknowledge that information and didn't appreciate the urgency I was trying to convey because of the timeline I'm up against in getting my mortgage and that wasn't considered by the supervisor as well. He even " hoped '' I could call back and get someone else to begin the verification process again, but he couldn't do anything. So I hung up, abruptly, and called back. I called back at XXXX XXXX and the call dropped while I was on hold. I called back at XXXX XXXX and quickly understood why the call dropped. I was given the " we are closed '' message.
Product: Mortgage

I was told this was just a mistake, but it is an egregious mistake that I was not likely to discover. If I 'm not alone, this could be a huge scheme. I bought a home and the agreement included an " XXXX XXXX {$380.00} '' warranty, printed clearly on page 6 of the sales agreement, which I was told was a standard 1-yr coverage for home appliances and the like. But XXXX XXXX and/or Chicago Title purchased the lesser XXXX XXXX for {$200.00}, which does not cover appliances. I only discovered this because my kid jumped on our dishwasher door and destroyed it, but would n't have known otherwise because the neighborhood is new and so are all my appliances. Upon reading the fine print, I realized abuse was not covered under the warranty I was supposed to get, so I said " Great! Just give me the {$170.00} you saved by skimping on my insurance! '' Since I only had a month left, it was a no-brainer, their mistake would help pay for my new dishwasher because that recently-discovered money had to go somewhere. But they refused, saying that they could " correct the mistake '' with the insurance company ( XXXX ) 11 months later, and give me one last month of XXXX XXXX that covered appliances, which is not worth the {$170.00} they almost pocketed so late in the warranty term. In your opinion, am I now buying 1 month of appliance warranty for the same price as as the 1-yr warranty? Should n't I be entitled to that money, having caught their mistake, given that I would no never agree to such an absurd warranty price for 1 month of coverage? Keep in mind, had I not caught the mistake, XXXX XXXX and/or Chicago Title would have never told me about the {$170.00} that was intended for me. Is this making sense?
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigate and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX Balance : {$590.00} ; XXXX XXXX XXXX XXXX Balance : {$34000.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$42000.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$42000.00} ; XXXX XXXXXXXX Balance : {$33000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Complaint 1 : In accordance with the Fair Credit Reporting act : Account Name : XXXX  XXXX Account Number : 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 an account without my written instructions.
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX -- {$230.00}
Product: Credit reporting or other personal consumer reports

I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX and XXXX are consumer reporting agencies and I am the Consumer. XXXX XXXX XXXX is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' XXXX XXXX XXXX the financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, XXXX XXXX XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a non affiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' XXXX XXXX XXXX Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX, XXXX, and XXXX XXXX XXXX are not maintaining reasonable procedures.
Product: Debt collection

This company is stating that I owe them money. Its on my credit but, U don't have a signed contract with them. This account has been on my FTC report and I have disputed it with the credit bureaus.
Product: Debt collection

GLA collections has been calling someone else 's phone several times a week leaving voicemails with my name & that it is a collection. I got my credit reports & they are on my credit reports for the following : XX/XX/XXXX for {$1200.00} XX/XX/XXXX for {$280.00} XX/XX/XXXX for {$140.00}. 
I sent GLA Certified letters asking them to remove them from my credit report & XXXX if these debts are mine on XX/XX/XXXX. They only sent itemization of the accounts & nothing else on XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

The account below is not mines. By law I have a right to dispute a debt after receiving notice of debt. I have never received notice from this company. They have broke the FTC guidelines for reporting debts.

COLLECTIONS XXXX XXXX XXXX Opened XX/XX/2018 {$31000.00} Original creditor : XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX acct # XXXX, XXXX XXXX acct # XXXX, XXXX XXXX acct # XXXXXXXX XXXX XXXXXXXX acct # XXXX and XXXX acct # 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 am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : XXXX  # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXX  # XXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX # XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit card or prepaid card

On XX/XX/2022, I applied for a credit card through Citizens Bank and was denied. application ID # : XXXX. The only reason Citizens bank claims I was denied is due to " NUMBER OF ACCOUNTS WITH MAJOR DEROGATORY EVENT '' Citizens Banks claims they received this information from XXXX. However when I pulled a copy of my XXXX credit file I was unable to confirm and Derogatory accounts. 

SO that I may be able to confirm whether I am a victim of possible fraud I am asking for Citizens Bank to please provide me with two ( 2 ) simple answers.

1. What month and year is the most recent Derogatory account they found in my credit file? 
2. How many Derogatory accounts did XXXX report to Citizens banks? 

I would like to believe Citizens bank has an interest to protect consumers there is no reason to deny me this information
Product: Credit card

I was the victim of an internet scam. Someone defrauded me out of a large sum of money. My Dillards credit card account was not in dispute. Wells Fargo shut the account down anyway. I did not request that the account be closed.
Product: Credit reporting or other personal consumer reports

They violated the fair credit reporting act ( FCRA ) 15 U.S.C. 1681i which mandates a reasonable investigation of disputes furthermore XXXX, actions may also contravene the consumer financial protection act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ) as highlighted in the CFPBs recent administrative proceeding ( XXXX XXXX. XXXX ) against them for similar violations. I request that CFPB take action to ensure XXXX 's compliance with federal law and provides consumers with necessary proof of investigation
Product: Payday loan, title loan, or personal loan

I believe I am an " Affected Consumer '' as described in the Consent Order in CFPB File Number XXXX - In the Matter of Cottonwood Financial Ltd. XXXX XXXX Cash Store. In short, I obtained a loan from the Cash Store in 2018 and was making payments, but without notice the Cash Store closed its store where I was making payments, and did not provide any notice of the closing of the store or where to make my payments after the store closed. I was willing and able to make payments but did not know where I should make payments, and as I said, did not receive any notice of the closing of the store or where to continue making payments. A few years go by without any notice from the Cash Store, then suddenly another company, including perhaps XXXX XXXX or its predecessor in interest, begins calling me, my friends, and my family threatening being arrested and a lawsuit. Not once did they indicate what the debt was or to whom it was owed. They just continued to harass me and my family, making threats of being served and going to jail. When making calls to my friends and family, the company disclosed of my alleged delinquent debt. 
Then, as of XXXX of this year, I was sued by XXXX XXXX, a case still pending. I believe I have a claim against XXXX XXXX or its predecessor in interest for the above unfair collection practices. As described in the XXXX XXXX of the above XXXX XXXX. XXXX, I believe my current case is a " XXXX XXXX XXXX '' because it's based on the same facts as described in the XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX and I am submitting this complaint about recent disputes sent to XXXX about erroneous information on my credit report. Regardless of the multiple written requests, the unverified accounts listed below are still reported on my credit report in violation of federal law. Please remove or update the account completely from my Credit Reports : XXXX XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

I have been a victim of identity theft. I have already notified the authorities and the Federal Trade Commission by completing an identity theft report. Please delete the following accounts from my credit report immediately. I didn't give permissible to furnish my information there's no reason for none of that derogatory information to be on there. 
FCRA section 604 ( a ) ( 3 ) 15 USC 1681 ( b ) As you know it is against the law to report any information not proven accurate. 809. Validation of debts_ [ 15 USC 1692g ] Please be aware that all negative remarks found on my credit report is a violation of the FCRA and FDCPA you must remove the account from my credit report.
Product: Credit reporting or other personal consumer reports

In Accordance with the Fair Credit Reporting act. The list of of Accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX # XXXX DEPT OF ED/XXXX  # XXXX 15 U.S.C. 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 an account without my written instructions. 15 U.S.C. 1681 C ( 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: Credit reporting or other personal consumer reports

I tryed to dispute it multiple times it show close on my credit but was never removed from off my credit it still on there the company name is Westlake financial I also tried to contact them and tell them they told me to contact XXXX XXXX XXXX
Product: Credit card

Started receiving credit card statements from PayPal Credit. 
I NEVER signed up for a credit card with them. I have a Pay Pal account that automatically gets deducted from my checking account. Never once did I knowingly open a line of credit with them. I called them and they said my account has gone in to collections from a purchase I have no recollection of. I asked them to open a fraud investigation.