23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I am filling this complaint regarding my mortgage servicing with Mr. Cooper. My monthly escrow payment has been increased in a way that has made my total monthly mortgage payment impossible to afford. 

In the past year, I experienced an increase in my property taxes, which I anticipated would result in a higher escrow payment. However, the increase in taxes was approximately {$4000.00}, but my monthly escrow payment has been raised by almost {$1000.00} per month. Additionally, my property insurance premium increased, but I promptly switched to a new policy with a similar premium to the previous year. The insurance company I switched from sent me a reimbursement check for the canceled policy. 

I contacted Mr. Cooper 's customer service to request that the reimbursed amount be applied to my escrow account to prevent the significant increase in my monthly escrow payment. I was instructed to deposit the check into my escrow account and that a new analysis would be conducted to recalculate my monthly payment. I made the deposit on XX/XX/XXXX. 

Despite following these instructions, I was recently informed that the deposit did not affect the calculation, and my monthly payment will still increase by approximately {$1000.00}. This increase is unmanageable and seems disproportionate to the actual changes in my property taxes and insurance costs. 

I request that a thorough review and accurate recalculation of my escrow account and monthly payment be conducted. The current increase is not reflective of the actual changes in my expenses, and I am seeking a resolution to ensure my payments are fair and affordable. 

Thank you for your attention to this matter.
Product: Credit reporting or other personal consumer reports

I have items on my report that are still not removed after being requested
Product: Debt collection

I have two accounts reported by NFCU on my credit bureaus. One credit card account and a loan account. Neither accounts belongs to me.
Product: Payday loan, title loan, or personal loan

During the application process, Earnest requires that applicants provide the username and password for their direct deposit bank account. I 'm concerned about the security implications of giving the username and password for my bank account to any business much less a business where I am simply applying for a possible loan. How can they require that information be given?
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Experian regarding unauthorized inquiries contained in my consumer credit file. I spoke with a representative, informed them that my federally protected consumer rights were violated in reference to 15 USC 1681e. I never authorized my credit to be pulled by XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX & XX/XX/XXXX ), XXXX ( XX/XX/XXXX ), XXXX  XXXX XXXX  ( XX/XX/XXXX ), XXXX XXXX XXXX XXXX XXXX ( XX/XX/XXXX & XX/XX/XXXX )XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX XX/XX/XXXX ). As Experian shopped my information around to their potential investors, my consumer rights were violated in accordance with the FCRA section 1681b ( c ), in addition to a huge breach of my privacy rights. Experian did not remove these inquiries, causing me actual financial damages.
Product: Debt collection

WHOM MAY CONCERN My name is XXXX XXXX. I did a personal loan with Axos Bank and during the pandemic I had to stop making payments. On XX/XX/2021 I receive a letter from the lawyer XXXX XXXX XXXX. I did the process with a consolidation company called XXXX they lawyer XXXX XXXX XXXX represented me in court. On XX/XX/XXXX XXXX got into an agreement with the court and they amount of XXXX was withdrawn from my bank account, since then I have been requesting a pay off document for me to be able to do a XXXX and have peace of mind that I do not have anything pending with AXOS BANK. 

I call Axos Bank every month, because they keep sending me the bank statement that shows that I still own them, every time I reached they told me that I still owed the money and that nobody had communicated to them that they have been pay through court. I have sent all the documentation that the lawyer provided, and no solution has been given to me. 
I respectfully ask for your help because this is still affecting my credit and my peace of mind, I am a very hard worker women with XXXX XXXX XXXX and this is affecting me a lot please le me know if there is anything that you can do for me. 
Attached is all the information that I can provide, I really appreciate your time and help. Have a blessed day. 

Attorney XXXX XXXX XXXX ( XXXX ) XXXX ( my lawyer ) Attorney XXXX XXXX XXXX ( XXXX ) XXXX ( Axos Bank Lawyer )
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX which is an affiliate of Equifax for commercial credit. However, I called to remove some item that has been fraudulently reporting on the behalf of XXXX XXXX XXXX XXXX. Alot the information has been furnished without permissible purpose & consent. XXXX XXXX apparently has a policy that they're unable to dispute such items which violate the FCRA & my consumer right to dispute. It is an invasion of privacy. 

Regardless of personal, commercial, daddies, uncles, little cousins etc. All Consumer Reporting Agencies must follow Fair Credit Report Act. Federal Law guidelines. Policy does not overrule law.
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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX15 U.S.C 1681 section 602 A. States I have the right to privacy.

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: Credit reporting, credit repair services, or other personal consumer reports

chase card  XXXX   reported a joint card I had with my mother ( deceased ) as a charge off, I was making payments to   XXXX  Cha  se  then they turned over the account to a company called  XXXX   (  collection agency ) even though I was making the payment for my deceased mother, I continued to make payments to  XXXX  until I saw that   XXXX  Chase  charged off {$2200.00}, the balance due now is {$710.00} that I will payoff when they remove the charge off from my credit
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm writing to officially contest the existence of unauthorized inquiries on my credit report, alleging violations of 15 U.S. Code 1681b - Permissible purposes of consumer report ( a ) and ( c ) and 15 U.S. Code 1681c-2. I also want to emphasize that I have never given a consumer reporting agency my written consent to include anything on my consumer report, which is against my rights as a customer whose rights are federally protected. The existence of these illegal hard inquiries on my accounts violates my constitutional rights and is an act of identity theft.

Before disclosing any details from the consumer. The consumer reporting agency needs to get authorization in writing as is expressly required by 15 U.S. Code 1681c-2. Once again, I want to emphasize that I have never given a consumer reporting agency my formal authorization to include any material on my consumer report. The unapproved inquiries on my credit record are a clear breach of this clause as a result.

Additionally, 15 U.S. Code 1681b - Permissible objectives of consumer report ( a ) and ( c ) says that consumer reports may only be obtained for purposes, with the written approval of the consumer. I have not given any written permission for the businesses responsible for obtaining or reporting any details if my credit report is subject to unauthorized requests. Therefore, these unauthorized inquiries also violate this clause. 
I demand the immediate removal of all unapproved hard inquiries that are listed on my accounts. These unlawful queries not only violate my rights as a federally protected consumer but also negatively impact my credit worthiness and financial stability. For my credit report to once again be accurate, honest, and fair, their elimination is essential. 
I kindly request that you investigate the unlawful requests on my credit report in detail, because I, the consumer, did not provide any written authorization. You must comprehend how these unlawful queries violate my rights and could lead to identity theft. I rely on you to provide this matter with your undivided attention and prompt consideration. 
I demand that, as a federally protected consumer, you acknowledge receipt of my dispute letter within the XXXX window specified by the Fair Credit Reporting Act ( FCRA ). I am counting on you to investigate the unauthorized inquiries as soon as possible and make sure they are removed from my credit record. If you don't abide by my request, I might take additional legal action to defend my consumer rights. 
I appreciate your quick response to this situation. I'm hoping for a quick decision that defends my rights, deletes unauthorized inquiries, and corrects the information on my credit report. Please don't hesitate to get in touch with me if you require any additional information or proof to help with the investigation. 
Sincerely, XXXX XXXX
Product: Debt collection

The Bureaus are attempting to collect a debt that was already acknowledged as fraud, was removed from my credit report as fraud. The Bureaus have purchased a debt that is identity theft. The original creditor has acknowledged this as identity theft. 


The bureau sent me statements how does this proved that i made these charges and opened this account when it was already proven as identity theft. Then once I send them a letter stating it is identity theft, the bureaus then add this false collection to my XXXX report that it was not reporting on. Sooo in essence, I tell you it's fraud and you continue to perpetuate this fraud by then adding it on more than the bureau it was reporting on? this is illegal. How do you scam people like this, and it is ok? do you think people do not know their right????
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The credit Bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX Balance : {$10000.00}
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 XXXX XXXX XXXX. 

Account Name : XX/XX/XXXX Account Number : XXXX Account Name :XX/XX/XXXXAccount Number : XXXX Account Name : XX/XX/XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XX/XX/XXXXAccount Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name :XX/XX/XXXXAccount Number : XXXX and list of Inquiries. 

XXXX XXXX XXXX section XXXXXX/XX/XXXXXXXX I have the right to privacy. 

XXXX XXXX XXXX SectionXX/XX/XXXXSection XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXXXX/XX/XXXXXXXX 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 XX/XX/XXXX which antedates the report by more than XXXX years. 

XXXX XXXX. XXXXXX/XX/XXXXA 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: Debt collection

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. 

Details of the accounts are as follows : XXXX XXXX XXXX Date of inquiry : XX/XX/2023 XXXX XXXX  Date of inquiry : XX/XX/2023
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute in XXXX 2017 to Transunion regarding the reporting of 2 state tax liens.  Transunion stated that the information was verified as accurate. Transunion lists the reporting agency as XXXX County Recorder ( XXXX ) XXXX. I contacted Transunion for additional information and I was told by the Transunion customer service representative to contact the number listed on my credit report for XXXX County Recorder. I contacted the number listed and was advised that they do not report information to the credit bureaus and that they can not verify if the information listed is accurate. I am requesting that Transunion delete this information based on the fact that this information is not submitted by or reported to Transunion by the XXXX County Recorder.
Product: Credit card

Upon reviewing my account statements, I found excessive interest charges based on my account balance. I then went to my statements and found the APR charged higher than the agreement I signed when I opened the account.

My original account agreement from XXXX  states : " The APR for purchases is the prime rate plus ( i ) 11.99 % for Account Type XXXX, ( ii ) 17.99 % for Account Type XXXX, or ( iii ) 20.99 % for Account Type XXXX. ". 

As an account type XXXX, I should be charged : XXXX + the prime rate of 7.75 % = 28.74 %. 

My account is being charged 32 %. I called to dispute this issue. 

I was told that an updated agreement was sent to my inbox ( I never received this ), that increased my APR.

I requested to dispute this, and also to request a refund on the overcharge of interest. I was told that there is an option to opt out of the updated customer agreement from XXXX of this year ( I never received this updated agreement ), but that my acount would be closed if I chose to do so. They also denied my request for backpay. 

While I find it absurd they can have a 32 % APR, I understand that comes with their updated agreement which I can opt out of. But I never received this agreement until 6 months after it came into affect, and never had the option to opt out in the first place.
Product: Debt collection

REMEX INC at XXXX XXXX XXXX XXXX, NJ XXXX has been sending me collection notices in the amount of ( XXXX ) the collection has been reported as past due balance. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature.
Product: Debt collection

XX/XX/2002 From : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, Texas XXXX XXXX Re : Reporting Unauthorized Credit Inquiry To whom this may concern, I am writing to request the removal of an unauthorized and fraudulent creditinquiry and or Collection Accountwhich is being reported by XXXX, XXXX and/or XXXX on my credit report. My latest credit report shows an inquiry from your firm creditthat I did not authorize. I suspect fraud, and have reported this incident at XXXX, Consumer Financial Protection Bureau, and the XXXX XXXX XXXX 
Please havethese/thisunapprovedinquiries/inquiryremoved from my credit report within 30 days, as it is harming my ability to obtain new credit. Please contact me immediately if you require any additional information regarding my request. 
Thank you for your assistance. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

After reviewing my report, there are several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I refute your allegations and challenge you to provide proof that you have the right to report this incomplete negative information about me. Document tha tyou have complied with the reporting requirements, and report without any deviations. If you have not complied with the requirements or there are any negative aspects below that have been challenged, you must remove them from my report. Per 15 U.S.C 1681e Whenever a consume reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity. Furnish information about accounts or other relationships with a consumer that is accurate. XXXX XXXX reasonable investigations of consumer disputes According to XXXX, in order to make a lawful report, you must follow the XXXX XXXX compliance standards. I HAVE ACCOUNTS ON MY CREDIT REPORT THAT I DO NOT RECOGNIZE AS EVERDOING ANY BUSINESS WITH THESE COMPANIES. PLEASE DELETE THEFOLLOWING ACCOUNT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, 2017 my credit score dropped with XXXX for no reason without explanation per XXXX XXXX. My equifax score has dropped from XXXX to XXXX for no reason. XXXX XXXX is either reporting inaccurate information or the 2 credtit bureaus are making mistakes that suits them.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), 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 ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX 
Account Number : XXXX XXXX XXXX XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/2023 my identity was stolen and ownership of my coinbase.com account was assumed by the perpetrator. I contacted Coinbase and opened numerous cases over the last 3 months, which are closed by Coinbase as being resolved, but with no resolution. I was advised that the stolen account is locked and the assets remain there. I have provided proof to verify my identity with Coinbase numerous times, however Coinbase will not transfer my assets back to me in the new account they required I open. 
There seems to be no manner to obtain my assets from Coinbase, without some type of intervention from another authority, therefore, I submit this complaint suggesting that Coinbase is not acting in good faith and is inappropriately holding my assets. I believe the value of this account stands at approximately {$45000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I began requesting my credit report primarily via XXXX XXXX XXXX in or around XX/XX/2023 which led to a few disputes and corrections required by the consumer reporting agency, Equifax. As a victim of identity theft, A few corrections were made as a result of this inquiry to my credit report. After wanting to review my report again, now through Equifax 's consumer website I was unable to complete the verification process and was prompted to call the Consumer Care line at the following number : ( XXXX ) EQUIFAX ( XXXX ) XXXX. On or around XX/XX/2023 I was unable to get a representative from Equifax by calling the Consumer Care number. Also, was unable to receive an updated report via XXXX XXXX XXXX. Later in XXXX, 2023 I call Equifax and after not being able to go through verification, and spending over 1 hour on the phone with customer service, I was not able to get my personal information. This is alarming as a consumer.
Product: Credit card

On XX/XX/2024 at XXXX XXXX I used the XXXX  ATM located inside XXXX XXXX station at XXXX XXXX XXXX XXXX XXXX XXXX however my {$140.00} withdrawal did not dispense from the ATM. So I called the number on the ATM. They informed me to call my bank. My bank is chime. I contacted Chime, filed a dispute, and XXXX days later they closed the dispute without giving me my money back so now I am at square one. I called the ATM owners again and can not get any answers into whos going to refund my {$140.00} that did not come out of the ATM. I feel like if a true investigation was done they would see on multiple cameras that the money was NOT dispensed. 
I have provided the receipt and the case number and have filed disputes in addition to the original dispute because its not right for me to just be robbed of {$140.00} hard earned dollars. 

At this point I do not know what to do and still havent recovered my {$140.00} loss just a bunch of excuses. Both case numbers in the second photo attached are from XXXX. The first one is the initial dispute and then the additional dispute filed once Chime closed my dispute and did not refund my money nor offer me any provisional credit Please help
Product: Credit reporting or other personal consumer reports

Ive attached a sampling of how experian hub than that. 

Namely, my amount of accounts shows XXXX open in score breakdown, but only XXXX that are all in good standing ( mortgage, car, one secure card, and two small student loans ) but it is referenced by other creditors as the reason for denial of credit. 

Also, the breakdown of my " poor '' score. 
Also, multiple places that things are reported very differently, and how that is affecting the breakdown of what goes into a " poor '' score rating.