23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

1. ) In 2023 my renewal letter from XXXX XXXX  stated your homeowners insurance was renewing XXXX XXXX, 2023. There was no mention that the amount went from {$4900.00} to {$8800.00}. When I viewed my escrow all year there was only a escrow amount of XXXX. 
I believed the insurance cost was close to the same as the previous year. 
In XX/XX/2023 my mortgage went from XXXX to XXXX with Citizens Bank . 
I asked to drop my property tax escrow and keep the insurance. I still did not realize Citizens paid XXXX XXXX  XXXX dollars in 2023. They said I needed to bring my escrow to a positive balance and they would send the application to drop the escrow. That amount was {$870.00}. and I paid it and they filed the application to remove ESCROW. 
XXXX  days later they denied my escrow removal. Re analyzed my account a XXXX  past the insurance renewal. Posted the 2023 escrow paid to XXXX a year later. This is a deceptive illegal practice. They stated that I needed to be 20 % of my mortgage by XXXX XXXX in equity. The VA states I only need to be 10 % .This is a VA loan. 
I went to XXXX XXXX XXXX XXXX, ( not The Bank ) and set up a different insurance company. I got a policy for XXXX. Now I just received a letter from Citizens Bank that it need to be higher. I have contacted the insurance company and they sent me a letter that it takes XXXX  days to cancel the policy. I sent them a reply I do not want to cancel. If they cancel I will be fined 25 % of my policy cost. This is through XXXX XXXX. I got the Policy through XXXX XXXX XXXX. I am about to have a nervous breakdown. What Citizens Bank is putting me through should be out right illegal.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX ... XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX ) XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Product: Money transfer, virtual currency, or money service

Zelle was submitted and money was missing out of account
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX debt bondage, which falls under trafficking according to XXXX  Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within XXXXXXXX XXXX XXXX  pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX  of XXXX XXXX and would like for all listed accounts to be blocked and deleted company information from TransUnion. 

Please delete the following accounts : XXXX XXXX XXXX Account number : XXXX XXXX XXXX XXXX Account number : XXXX XXXX Account number : XXXX XXXX XXXX Account number : XXXX
Product: Debt collection

I have attempted to contact Security Credit Services to pay the full balance owed on the account ( Original Creditor / Account # : XXXX XXXX, XXXX / account # XXXX Current Account Owner / Account # : Security Credit Services , LLC / account # XXXX ) and the representative stopped responding after I stated I wanted to pay the balance on the account. I then tried calling back several more times and have been hung up on repeatedly by what I assume is the same representative. In total I contact SCS 7 times to make a payment on the balance and they refuse to take my payment. This is predatory, abusive, and deceptive behavior by Security Credit Services.
Product: Debt collection

XXXX is not authorize them to operate as a consumer collection agency. 

XXXX XXXX has reported a debt on my credit profile, and I have formally requested validation of this debt. However, I am still awaiting their response. Despite my request, XXXX XXXX has continued to report this debt, which has negatively impacted my credit standing. 

Furthermore, upon reviewing XXXX XXXX licensing status in the state of Florida, I have found that they are not licensed as a debt collector. According to Florida law, entities engaged in third-party debt collection must be registered as a Consumer Collection Agency under Chapter 559, Part VI of the Florida Statutes XXXX XXXX XXXX does not hold such a registration and is therefore not authorized to act as a third-party debt collector within the state. 

I request that the CFPB investigate this matter to ensure that XXXX XXXX complies with all applicable laws and regulations. Additionally, I ask that any unverified or improperly collected debts be removed from my credit report immediately. 

I appreciate your prompt attention to this complaint and look forward to your response regarding the steps that will be taken to address these concerns.
Product: Credit reporting, credit repair services, or other personal consumer reports

I unsuccessfully attempted to obtain a copy of my credit report online. I filled out the required information on the XXXX website. I clicked continue and then another page was displayed informing me that I would have to complete the identity verification process. I was asked to verify the information I had provided which consisted of Name, Date of Birth, Address, and the last four of my social security number ( See Page 1 ). After clicking " continue '' the next page stated " Unable to complete your request '' and " We are unable to confirm your identity ( See Page 2 ). I  was not asked any verification questions I was just sent directly to the page. I then called the phone number ( XXXX ) XXXX and wasted 15 minutes following the prompts before the automated system announced it would not be able to process my request. There was no option to speak with a representative. I will next attempt to mail in a request. My impression from this experience is that XXXX is structured to make the process of requesting a free credit report as difficult as possible. Considering that the three largest credit reporting companies operate this website I am not particularly surprised. They have met the letter of the law by providing this website however the website uses every method available to evade the spirit of the law by not actually providing the credit reports as mandated by federal law. In a final act of buffoonery the site then asks for my name and address to " help solve problems better '' ( See Page 3 )
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE ACCOUNTS REPORTING ON MY CEDIT REPROT I DID NOT OPEN AND I DO NOT OWN THESE ACCOUNTS I HAVE DISPUTED MULTIPLE TIMES AND NO REPSPONSE WAS GIVEN I NEED THIS ACCOUNT REMOVED.
Product: Credit reporting or other personal consumer reports

It has come to my attention that my personal information was exposed in a national data breach, compromising my sensitive data. Upon reviewing my credit reports, I identified accounts that I do not recognize or recall opening. I submitted a request to the Consumer Reporting Agencies ( CRAs ) for validation of these accounts ; however, the required documentation has not been provided as mandated under the Fair Credit Reporting Act ( FCRA ) Section 611 ( 15 U.S.C. 1681i ). This failure to validate the information and the presence of unverified accounts on my credit report raises significant concerns about the accuracy and security of the data being reported. To address this matter, I have filed an FTC complaint regarding the breach and the unrecognized accounts and attached supporting evidence, including my government-issued ID, a copy of the FTC complaint XXXX the XXXXXXXX XXXX XXXX Notification report, and a prior Validation of Debt letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I found a hard inquiry requested on XX/XX/2021 By CBNA. This hard inquiry wasn't requested by me. I contacted the company to cancel the request and it was confirmed as a fraud. 

I want to inform that hard inquiry shows as " CBNA ''. I contacted them and they didn't find any accounts in my name. The only company that was able to find the hard inquiry in my name it's " XXXX XXXX '. Which it is different than CBNA and that is the only hard inquiry that shows on my credit report. I attached a letter from XXXXXXXX XXXX. File number XXXX ( XXXX )
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

Again, I was a victim of identity theft and this is another request to block or remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days after XX/XX/XXXX. Ive already included this report in my previous letter & I am including it again. Also, the information you provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, NV XXXX, XXXX XXXX XXXX Balance : {$15000.00}, XXXX XXXX Balance : {$6600.00}, XXXX XXXX XXXX Balance : {$35000.00}, XXXX XXXX XXXX XXXX Balance : {$14000.00}, XXXX XXXXXXXX Balance XXXX {$0.00}, XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX ) XXXX Balance : {$1400.00}, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$14000.00}, XXXX XXXX XXXX XXXX
Product: Debt collection

I, XXXX XXXX XXXX XX/XX/XXXX, am writing a letter of complaint. I got a loan in the amount of XXXX USD in XX/XX/XXXX. I paid amount of approximately XXXX USD a month every month until XX/XX/XXXX. I reached out to creditor in the time of my financial hardship and they unwilling to work with me. They call me so much that this has caused alot of stress on me, so much that my health is declining. I shouldn't owe no more than 2,000 USD. 

The is a predatory lender & loan. I paid OVER 3 years at $ XXXX which means I paid over $ 10k   for a medical debt. I had a financial hardship due to a loss of income and additional medical issues. I reached out to the lender BEFORE the loan was late. They were unwilling to work with me. I only borrowed {$5300.00} and NOW they're reporting to the credit bureaus that I owe almost {$12000.00}. This has caused me to NOT be able to secure new housing or employment. This is unfair & inaccurate reporting. They are claiming VERY excessive fees, late charges and interest which is just untrue. Reporting a medical debt like this is both a FCRA and HIPPA violation. They call nonstop which has caused additional emotional stress which is unfair when I've already paid them well over the amount borrowed. 

I'm attaching my credit report from XXXX that shows I paid this loan ON TIME with NO late payments for YEARS and the balance owing at that time was ONLY {$5700.00} in XX/XX/XXXX with NO default. 

Here is the company info : MONTEREY FINL SVCS # XXXX XXXX XXXX XXXX XXXX  XXXX XXXX , CA XXXX ( XXXX ) XXXX Date Opened : XX/XX/XXXX I appreciate your help. 

XXXX XXXX ( XXXX ) XXXX XXXX XXXX
Product: Mortgage

I applied and got a mortgage from ATHAS CAPITAL located in XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX on XX/XX/2018 and was given a 6-month bridge loan on my primary residence. 
1st complaint is ATHAS CAPITAL during the loan process did not give me a set of disclosure outlining the terms of the loan for me to compare to loan documents. 
The loan had a balloon rider, but also had a 10 % penalty of the total loan amount which equates to {$55000.00} for the being late refinancing. That took away 10 % equity of my home along with a default interest rate of 18 %. This was never disclosed to me or I would have never signed the loan. I also asked for a copy of this from them and told me they did not know what I was talking about. They made me sign disclosures via docusign in which they did not allow me to have a copy as they left out my email. This is criminal. I want a copy of the disclosures I signed for lawsuit purposes and I want to see if they can corroborate the same loan terms in loan docs than in disclosures. 
2nd complaint is after default I was asked to figure out how to refi or apply for loan modification. I immediately filled out loan modification paperwork and 1 month later after the XX/XX/2018 default I was denied the modification due to the fact they do not offer loan modifications and used the time to file NOD. This was deceptive business practice and I want an investigation of this company ATHAS CAPITAL and XXXX XXXX for steering and loan products that produce the stealing of homes of senior citizens. I am a XXXX XXXX XXXX man.
Product: Student loan

In XXXX on XXXX I made a request for the payments made during XXXX to be refunded. I made payments the entire time during XXXX up to XX/XX/XXXX. I received one payment of {$300.00} in XXXX of XXXX. When I received no further payment I contact Mohela through their website by email in XXXX of XXXX. I was told it would process in the next 90 days. By XXXX of XXXX I had heard no response nor a refund of the payments I made. I again sent an email requesting information as to what was happening and received no response. I have placed a call this morning ( XX/XX/XXXX ) and spoke with XXXX. She said the request had been processed and closed but no payment was sent. She has started a new request and I will have to wait another 90 days for a response. I asked if there was anything else I could do about the situation and she said to just to wait the 90 days. I should not be forced to wait more than a year for a refund of payments or have to make multiple requests to get what is rightfully mine.
Product: Credit reporting or other personal consumer reports

This morning, I discovered incorrect accounts on my credit report, and I have no explanation for their presence. I check my report regularly, and everything had been fine until now. Assuming it might be a display error, I refreshed my browser, but the inaccuracies persisted. Given this, I ask that my submitted documents be carefully reviewed so that I wont have to deal with this issue again.
Product: Debt collection

I am disputing a collection from XXXX XXXX XXXX ( in the amount of {$280.00} dollars ) that has appeared on my account. I have already paid in full the amount that was owed for the services performed. There should not be a collections on this account as the Original Creditor has already received complete payment as noted above, and this collection appears to be an error.
Product: Checking or savings account

I received a letter today XX/XX/XXXX dated XX/XX/XXXX that my account had been closed. I was not aware my account had been closed. I was also advised this was a result of service fees that were being charged to my account monthly. I had a free checking account and request the fees to be waived. Additionally, I was charged {$30.00} for a returned transfer from XXXX back which was a result of XXXXXXXX XXXX making an error. As seen from the attached correspondence from XXXX, this was their error and was fixed. I ask for a credit of those fees as well. 

Please instate account and fees. 

Thank you.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Medical Data Systems d/b/a Medical Revenue Service is in complete violation of 18 USC 8, which states all debt is an obligation of the USA. In addition to try and make me pay this ALLEGED DEBT, puts them in direct violation of False Claims Act ( FCA ) 31 USC 3729-3733. 

A contract between me and Medical Data Systems was never given, there is no wet signature from I, THE CONSUMER that puts me in business with them. They are violating 18 USC 894 for trying to coerce and swindle me into making payments. In addition, I never gave ANY authorization for them to have my personal information in which they illegally obtained according to 18 USC 1028A, aggravated identity theft. 

I DENY BEING LEGALLY OBLIGATED TO PAY ANY AND ALL ALLEGED DEBT TO MDS AND I DO NOT CONSENT TO CONTRACT, at all. MDS is now civilly liable to me under 15 USC 1692k.
Product: Other financial service

I have recently hired a company who claimed to consolidate my student loans with the Dept. of Education using program called " Obama Student Loan Forgiveness ''. I know I could have done it directly with the dept of education, but since I work very hard I thought I would not have the time to do this.They made me sign a contract, which seems to be " irrevocable '' and made me liable to pay them {$1400.00} over the course of 3 years to keep renewing my consolidation applications. First problem I had with them is that they made many mistakes on my case and I had to keep calling to correct, such as personal info. Next, they promised I would be paying as low as {$36.00} a month for my loans, which was later confirmed as wrong by the Dept of Education. Next, they promised that all the debt will be settled in less than 20 years, which is NOT what the dept of Education has as true. So far they have taken about {$250.00} dollars from my checking account. Every time I tried to call them to express dissatisfaction with their services, I receive rude, angry and demeaning attitude from the representatives working for this company. I have put a stop in the payments and wish to not continue being taken advantage of by them any longer. Please help!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I feel like I am being ignored and taken advantage of regarding my disputes. Fair Credit Reporting Act Section 611 ( a ) clearly states that a failure to investigate this item gives me a reason to immediately repair the item from my credit report, they should be promptly corrected. Under Section 614, restrictions on investigative consumer reports [ 15 U.S.C. 1681l ], you only restrict to investigate my personal file if no adverse information in my report ( other than information which is a matter of public record ) may be included in a subsequent consumer report unless such adverse information has been verified in the process of making such subsequent consumer report, or the adverse information was received within the three-month period preceding the date the subsequent report is furnished. Please correct it ASAP! 

XXXX XXXX XXXX XXXX
Product: Debt collection

Received a phone call back in XX/XX/XXXX regarding a past due debt to XXXX. They last time I had XXXX cable was in XX/XX/XXXX in a rental home in XXXX, FL. I turned in the equipment in person at the XXXX, FL office. Cable services are billed a month in advance. I did not have a balance due when I returned the equipment. 

My phone number had been the same that this so called collection agency contacts me at claiming I owe a bill and I need to make a payment. I pay my bills and everyone knows cable bills get billed a month in advance. I turned in the equipment at my local office and provided a forwarding address. 

I hear nothing for in almost 2 years, from XX/XX/XXXX until XX/XX/XXXX ... this would make any question the call ... .they 're demanding payment. So I rightfully request a bill be sent to me so I can even see if this is something that is even owed. I receive nothing in the mail and then it appears on my credit report. I took their call, I politely requested a bill and one was not sent and then within days a collection shows on my Credit report. This is equal to a hostile move and highly unethical.
Product: Credit reporting or other personal consumer reports

I rencently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.
Product: Credit reporting or other personal consumer reports

TRANSUNION & XXXX OF XXXX is breaking the consumer law pertaining to Acct # XXXX and any other accounts. I've uploaded documents thats confirming and the law their VIOLATIONING XXXX DEMANDING this ACCOUNT be corrected immediately and this is a violation I've lost thousands of dollars and mentally aggravation stress if this isnt resolved I will have no choice but to move forward with litigation STOP VIOLATING THE CONSUMER LAW UNDER TITLE XXXX XXXX & XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX did not reach out to me before sharing my information with credit reporting agencies. Breaking law 15 USC 1681s-3 companies must clearly and conspicuously disclose that they are trying to share information. Consumers must be given the opportunity and a simple method to prohibit the sharing of their information.