23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

A friend died in a XXXX, on XX/XX/XXXX. The dwelling and it 's contents, weredeemed a total loss by insurance company, for which the decedent had homeowners insurance. 
I became executor of her estate, and received " Letters of Testamentary '', on XX/XX/XXXX. Decedent had a reverse mortgage, with Champion Mortgage Co. On XX/XX/XXXX, I met with the adjuster from the insurance company, and endorsed a check, " Pay to the order of Champion Mortgage '', for the total amount due, within 30 days of the end of XX/XX/XXXX, listed on a loan statement from Champion Mortgage. 
A XXXX page fax, was sent to Champion Mortgage, which included a cover letter with the loan number and instructions, " loan pay-off, check sent in mail today '', signed by the insurance adjuster. The fax also included a photocopy of the front and back of said check, with my signature, endorsing it to Champion Mortgage, as executor. The last page of the fax was a copy of a statement, for the amount due, within 30 days, of the end of XX/XX/XXXX. 
Champion Mortgage cashed the check, which cleared the insurance company 's financialinstitution, on XX/XX/XXXX. 
Instead of paying of the reverse mortgage, they put the money into a non-interest bearing account, which I can not access, as the executor of the estate. 
Champion Mortgage claims that the fax instructions were not signed by someone authorized on the reverse mortgage loan, therefore, they did not pay off the loan. 
I have made numerous phone calls, and have sent a letter instructing them to pay offthe reverse mortgage loan, to no avail. 
Representatives give incorrect information, supervisors do not return calls, and theyare now asking for more fees and interest on the loan. 
There are numerous on line complaints about how Nation Star/Champion Mortgage Co, does business, including padding invoices, and prompting foreclosures on properties, where people have tried to pay off mortgages.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, there was a summons placed under my door. It turns out that this summons was from Midland Funding, LLC, and was done with improper service since no one gave the summons to me or a resident of the apartment I reside. Nevertheless, since receiving this summons, I have looked into my credit report and noticed some discrepancies regarding Midland Funding, LLC, on my XX/XX/XXXX, and XX/XX/XXXX credit reports. For example, although it says in my summons that Midland Funding, LLC has acquired my debt from XXXX XXXX XX/XX/XXXX, the amount that Midland Funding, LLC is trying to collect does not match the amount allegedly owed to XXXX XXXXXXXX XX/XX/XXXX( see XXXXXX/XX/XXXXsold-to-midland-funding.pdf ). Basically, according to my XXXX credit report, XXXX XXXX XX/XX/XXXX allegedly claims that I owe {$XX/XX/XXXX} ( although this is disputable since my credit limit was {$XX/XX/XXXX} ). However, according to Midland Funding, the amount allegedly owed is {$XX/XX/XXXX}. 

Furthermore, XXXX XXXX XXXX lists my original account number as XXXX. Yet, Midland Funding has my account number as XXXX. Therefore, it appears as Midland Funding, LLC is attempting to collect a non-validated debt through a fictitious account number that never existed in the past. Furthermore, since learning of this, I have since opened a credit dispute with XX/XX/XXXX and XX/XX/XXXXXXXX regarding Midland Funding, LLC 's claim. Concerning XXXX, Midland Funding 's record was deleted, and my credit score immediately increased by 10 points ( see Direct Dispute _ XXXX XXXX ). However, the dispute decision from XXXX can take until XX/XX/XXXX ( see Dispute Summary - Online Dispute ).
Product: Checking or savings account

My account was " pending '' negative and put fund in it, and my online account reflected the balance was positive after depositing an ACH transfer, and then again cash, but Chase still assessed me five fees at {$34.00} each. 

the way chase posts the payments is also unfair. they post the largest transaction first, and then allows all the smaller transactions to be assessed fees. 

I went to the branch nearest me ( the other is a few miles aways, and in XXXX XXXX I do not have an easy method to get there, especially late in the evening. ) to make a cash deposit, but to my surprise there is no teller window, but a giant ATM machine. Chase is all about the bottom line, even at the expense of its customers. I do not expect them to refund any fees, they'll likely respond with some long drawn out response about how my account was negative and how transaction are posted in order. 

When I called to work with Chase, not one person I spoke with knew what UDAAP was, of course chase doesn't train it's employees on UDAAP, they create processes that are abusive to their customers.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear CFPB, I submitted an Identity Theft Report to the all XXXX Credit Bureau on or around XX/XX/2021 and stated, " I am a victim of identity theft and that the accounts listed in my report does not relate to any transaction ( XXXX ) that I had made. I requested that they block all the accounts listed and information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information, XXXX XXXX XXXX XXXX in the amount of { {$11000.00} }. The comments on the account now states " Account previously in dispute - now resolved, reported by data furnisher ( To be used for FCRA or FCBA disputes ) '' After receiving this notification I then sent a letter to the Credit Bureau requesting for proof of verification in which I have not received. DISCOVER FIN SVCS violated my Federally Protected consumer rights and also committed identity theft and XXXX other violations under the FDCPA. Violations included : 15 USC 1692e 15 USC 1692b ( 5 ) 15 USC 1692c ( a ) ( 1 ) 15 USC 1692c ( b ) 15 USC 1692d ( 2 ) 15 USC 1692b ( 2 ) 15 USC 1692f ( 1 ) 15 USC 1692f ( 7 ) 15 USC 1692e ( 10 ) 15 USC 1692j ( a ). Prior to sending the certified mail with the affidavit of truth I was receiving multiple calls at inconvenience times and without my authorization, and letters with the attempt to collect a debt. I filed a complaint with the Office of the Comptroller of the Currency ( OCC ) OMB Control No. XXXX in which it is attached. I demand this account to be deleted on my credit report, deletion from all consumer reporting agencies ( XXXX, XXXX, Transunion ) pursuant to USC 1681a ( 2 ) ( B ). Pursuant to 15 USC 1681a ( 2 ) ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device '' Should be excluded from a consumer report. I am demanding that you remove the transaction from my report immediately as they are a violation of my rights as a federally Protected consumer under title XXXX chapter XXXX.
Product: Credit reporting or other personal consumer reports

I called trying to figure out how did this company get on my credit report. I've never applied to this company and it hurt my score. But I was hung up on after I asked them to remove the inquiry.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is not reporting proper information to my credit report and not updating all of the good work I'm doing with my credit. Experian has a collection action by the company XXXX that is handling a debt that I owe XXXX. Attached is the official paperwork from XXXX that this debt is settled but yet this still shows negatively on my credit report. My fico score dropped, and it's unethical behavior based on this debt being settled.
Product: Credit reporting, credit repair services, or other personal consumer reports

We were paying Homeowner 's insurance on the property at XXXX XXXX XXXX XXXX FLXXXX.Through an insurance broker XXXX XXXX  XXXX located at XXXX XXXX XXXX , XXXX Fl XXXX . 
Our mortgage company usually send this check to them, as of today we have never been notified by any source that our insurance has been canceled verbally nor in writing, that we no longer have home owners insurance and needed to get temporary or permanent insurance for our home. 
I returned home from my regular job as an XXXX XXXX XXXX XXXX XXXX ( 48 states ) to find a huge leak in my front room which was caused by a 2feet 6inches oak tree I also have leaks at the side of the house on the roof and at the back of the house. 
Immediately I cut down the tree with a chainsaw and i placed a tarpaulin on top of the roof but the roof is still leaking. 
I contacted XXXX XXXX XXXX via phone ( XXXX ) XXXX, and spoke with Miss XXXX XXXX on Monday XX/XX/2019 who gived me the run around.She told me their company were closed and I needed to contact my mortgage company. 
I contacted my mortgage company Select Portfolio Servicing , Inc who was cooperative they send me a copy of check number XXXX that the insurance broker cashed. 
Presently we are still paying insurance on our mortgage we did some research on the internet finding out possible insurance companies that this broker XXXX XXXX XXXX were working with or is working with, one of them have in their records a policy number XXXX the same number that our mortgage company have in their file. 
We are not sure if XXXX XXXX XXXX were cashing the checks and paying it to a different insurance company or if they were holding the money for themselves. 
I was told by that insurance company ( who I can not recall ) that I no longer have a policy with them, hence, we are not sure which insurance company we are insured with, what we do know is we are paying XXXX XXXX XXXX and they are responsible to pay our claim also Select Portfolio Servicing, paid XXXX XXXX   XXXX without having proper proof, evidence or declaration of insurance coverage. 
Please investigate Thanks in Advance.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX credit card customer service conversation about this new card on XX/XX/XXXX revealed that late payment reporting was in error. 
XXXX has since corrected the issue on my account statement by crediting the previously recorded late payments and have reported to me, XXXX XXXX that they have also reported to the 3 credit bureaus this error for correction. Please note that this issue caused my credit score to decrease up to XXXX points in one month on Experian and should reflect the correction by XXXX XX/XX/XXXX and an increase in score all around. 

XXXX XXXX card {$700.00} credit limit Card # : XXXX On XX/XX/XXXX {$59.00} annual fee due on XX/XX/XXXX Not informed Late fee XX/XX/XXXX Errorbut still showing past due 30 days on all credit reports, XXXX, experian and XXXX as of today XX/XX/XXXX. 
Late fee XX/XX/XXXX Errorbut still showing past due 30 days on all credit reports, XXXX, experian and XXXX as of today XX/XX/XXXX. 
{$3.00} monthly statement fee errorbut still showing past due 30 days on all credit reports, XXXX, experian and XXXX as of today XX/XX/XXXX. 
{$90.00} is past due as of today error but still showing past due 30 days on all credit reports, XXXX, experian and XXXX as of today XX/XX/XXXX. 
I never received a statement they never connected the cards online as I requested and by error, reported to experian, XXXX and XXXX a 30 day late payment XXXX the Customer Service Supervisor ( XXXX ) XXXX Is the supervisor Spoke to on XX/XX/XXXX XXXX agreed to remove all fees and charge only {$59.00} for annual fee and stated that she has sent a request to correct and delete the 30 day late reporting t to all three ( 3 ) credit bureaus that the payment was never late due to the fact they were sending bills to an address I did not provide to them in error, hence, i never got them as this was a new credit card offer in the first place.
Product: Mortgage

My parents had refinance there house in XX/XX/2006and had accidental death insurance included in there mortgage payment. It was listed as optional product. My parents called XXXX XXXX XXXX numerous time asking what did that mean and they would tell us that it was the accidental death insurance. If the last survivor was to die it would pay off the house. After requesting the policy for years they finally sent my lawyer the policy which do not amount to paying off any house. And the policy states at the age of XXXX  years old the policy went from XXXX to XXXX which is even worst due to my dad died at the age of XXXXyr. How can this be while still paying for your mortgage. My parents were scammed. Please help
Product: Money transfer, virtual currency, or money service

I had XXXX, XXXX, XXXX totaling XXXX stolen from my bank account on Paypal and I tried to dispute the transactions with PayPal and they keep wrongly declining it saying that there wasnt any mistakes when there was mistakes
Product: Credit reporting or other personal consumer reports

I wrote to dispute the following information that appears on my TransUnion report from, my student loans servicer : Department of EducationXXXX . One of my student loans with XXXX accounts is being reported inaccurately. 

The status of the loans states : included in a bankruptcy. I have NOT filed bankruptcy against my student loans. This information is inaccurate, all my federal student loans have been forgotten under the PSLF program. I have worked in the public sector for more than 10 years and have made more than 120 payments. I have attached the letter from XXXX with the facts. 

According to the FCRA 15 US 1681e ( b ) Accuracy of report Whenever a consumer 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.

15 US 1681 ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate.

Please update the status of my student loans to read paid- in full, and remove include in a bankruptcy these accounts from my credit report relating to the documentation that has been presented.
Product: Debt collection

received multiple phone calls on phone # XXXX from phone # XXXX. They are leaving voicemails for me to contact them immediately on my wife 's phone. They are disclosing that they are a debt collector in the voicemails. I called them today to find out what the call was about. I advised 'Ms. XXXX ' that no one ever disclosed that they were a debt collector in any of the voicemails and that they were left on a phone that was for XXXX XXXX and not XXXX XXXX. XXXX clearly states " XXXX XXXX '' and therefore they were in violation leaving a voicemail for me on someone else 's number. I advised her that I would be contacting an attorney and her response was " Is you attorney going to pay your bill? '' I said " Excuse me? You ca n't say that to a consumer '' and her response was " I can say whatever I want ''.
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to run my credit to obtain mortgage. My loan agent advised that there is freeze on my credit report. Unable to remove the freeze online, I sent in a form and received a letter that there is no freeze on my report on XX/XX/2020. Tried to run my credit again and there is still a block. Ran a report with XXXX, there is still a freeze on my report. Called Experian again and customer service refused to help me stating that any agent would tell me the same thing that there is no freeze. Very unhelpful. When I tried to explain to them that my credit is frozen based on the credit report I just ran, the agent was not interested in the report number. They refused to help me when I asked for a supervisor and then proceed to put me on hold for longer until I give up.
Product: Credit reporting or other personal consumer reports

I have not initiated any transaction with XXXX XXXX, Further, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with Credit for review or collection.

Furthermore, under the FCRA, Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both, 15 U.S.C. 1681n ( a ).

15 U.S. Code 1681q - Obtaining information under false pretenses Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both. 
616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] ( a ) In general. Any person who willfully fails to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; Specified Remedy : Please send payment Via XXXX XXXX to First Name, Last Name to the address XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX Yours Sincerely XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My issue is with Experian. I've written 4 dispute letters in regards to the following accounts below. I asked on 3 different occasions for their method of verification showing this is my debt. I continuously just get a letter saying verified. 

XXXX XXXX XXXX XXXX & XXXX XXXX XXXX XXXX I received a letter stating they will no longer reinvestigate these accounts again.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the first time my identity has been compromised. I don't understand why this happened to me. Please remove these fraudulent unknown accounts from my report as soon as possible. They are not mine. These accounts were open without my consent. XXXX XXXX XXXX {$520.00} XXXX XXXX XXXX {$950.00}
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 15 USC 1681. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX and 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: Credit reporting, credit repair services, or other personal consumer reports

Transunion is reporting incorrectly a collection in the amount of {$260.00} on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account has been paid in full and should not be reporting as a collection on my credit report. This inaccurate reporting is seriously harming my credit score and this line item needs to be removed. I have contacted the bureau to fix this however, I have not been successful.
Product: Student loan

FedLoan Servicing manages my student loans. As a XXXX XXXX XXXX I am participating in the Public Service Loan Forgiveness ( PSLF ) Program. I submitted the appropriate paperwork to demonstrate that I have made 30 qualifying payments for each of my two loans. I submitted the PSLF certification paperwork on XX/XX/XXXX. I received a statement on XX/XX/XXXX stating that one of my had only 19 qualifying payments and the other had 23 qualifying payment. 

I contacted FedLoan Servicing via email on XX/XX/XXXX and I specifically asked FedLoan Servicing to let me know which months in the 30 month period did not meet the qualifying payment requirements. In response, FedLoan Servicing said in an account statement dated XX/XX/XXXX that one of my loans has only 25 qualifying payments credited, the other only 27 qualifying payments credited. Not only are the qualifying payments incorrect, I have not been notified which months in the 30 month period, do not qualify for PSLF.
Product: Debt collection

This debt was discharge back on 2010 by the bankruptcy court and they still try to this day to to collect was its already discharge, worst part is that they are reporting it to all XXXX credit bureaus as a actual debt with different collection agencies in Kansas.
Product: Credit reporting or other personal consumer reports

Recently I CHECKED my credit report and found info that can't be verified and info that is not being reported 100 % correct its against the law to report any info or accounts that have-not been proven to be 100 % accurate!

In the FCRA It clearly says that things must be 100 % accurate on my credit file under 15 us code 1681e ( b ) and 15 use 1681 ( 5 ) this data on my credit is a clear violation of not reporting reporting 100 % accurate delete this collection and fraudulent inquires FRAUDULENT COLLECTION ACCOUNT : ACCOUNT NAME : XXXX XXXX XXXX  ACCOUNT NUMBER : XXXX ACCOUNT OPENED : XX/XX/XXXX BALANCE : {$180.00} FRAUDULENT INQUIRIES Inquiry Name : XXXX Inquiry Date : XX/XX/XXXX Inquiry Name : XXXX XXXX XXXXXXXX Inquiry Date : XX/XX/XXXXXXXX XXXX
Product: Debt collection

I received a call from Pro Com collection agency. I asked what the bill was that they were trying to collect on since I pay all bills recieved. They told me that the bill was sent to them by XXXX XXXX ( labratory billing service ) and that the bill was for a XX/XX/2019 date of service in the amount of {$44.00}. They were not able to give me an account number. I went on the XXXX XXXX of IL website and did not see a claim for that date/amount. I then called XXXX XXXX and spoke to XXXX. She said that they had never received a claim for that date/amount but that I did have a claim for that date with XXXX XXXX XXXX XXXX She then called XXXX XXXX XXXX ( who's bill was paid in full ) and was told that I had a urinalysis on that date and that they sent it to XXXX XXXX XXXX for a culture test to be performed. XXXX handles the pathology billing. She then called XXXX and spoke to XXXX ( Supervisor ). XXXX was unable to find my name or that date of service in their system and said he had to have an account number. I have tried to get XXXX to do further research and check collection files for the last few months to find this account but they do not seem willing to do so. They tell me that they will call me back, but never do. I am at a loss, I was unaware of this bill, my insurance was never billed and now neither the collection agency OR the billing company will take the steps to clear this up. I need help!!!