23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I apologize in advance for the tone of this email, but it 's frustrating to have had my mortgage sold to a company that is unresponsive and seemingly disinterested. 

Early in XXXX I switched my home insurance companies and began paying through payroll deduction. I informed the mortgage company ( XXXX XXXX, XXXX ) ahead of time of the switch, which they never processed. I received in the mail a warning that my insurance expired and Stearns was purchasing a more expensive plan for me. I called to resolved and remind them of the change, which seemed to resolve the issue. A few weeks later I saw a payment from escrow for the full annual payment for the new insurance policy. I emailed and called to attempt to resolve, with no luck via either route. I have since been paying a higher monthly mortgage payment due to the still included escrow amount for insurance, as well as paying for the insurance via payroll deduction. I have now been receiving refund checks from my insurer for over-payment and my attempts to contact Stearns are ignored - i.e. my emails are " acknowledged '' but never replied to and I have not received a call from the company. I refuse to call again after being " transferred '' back to the auto-prompt multiple times. My calls literally go back to square one. 

Below is part of the email chain ( redacted ) I have ( a one-sided " conversation '' ) where I explain the issue as I did over the phone and suggest what actions need to be taken to resolve the problem. This has worked as well as calling the company ( i.e. It does n't ). 
" I emailed you multiple times over the past month to update my insurance and escrow. It 's finally recorded with you, but the monthly payment on my escrow has not been updated yet and you paid my home insurance in full from my escrow when I told you in each of my emails that it is now paid through payroll deduction on my end. Please recall the $ XXXX you paid to XXXX XXXX on XXXX/XXXX/XXXX, adjust my monthly escrow payment to reflect the fact that I now pay home insurance through payroll deduction, and recalculate what is needed to be kept in escrow. Please call me to confirm what work has been performed on your end when this is resolved. '' ( redacted prior email ) " After multiple email tickets over the past few months with no success, I just spent an hour on hold, being transferred, and hung up on multiple times via the number provided here. If I can not get assistance via email or phone, I 'm not really sure what I need to do to get assistance. If you have any questions, and because calling or emailing you had been fruitless in numerous attempts, please call me if you have any questions or need to speak with me to address the above. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX XXXX am filing this complaint against XXXX and SSTXXXX for inaccurate reporting of the account. Please see attached for more information.
Product: Credit reporting or other personal consumer reports

I am writing to request unauthorized credit inquiries on my XXXX Credit Report. My latest credit report shows 3 credit inquiries that I did not authorize. 

XXXX : Inquiry Account Name : XXXX XXXX XXXX Date : XX/XX/XXXX Inquiry Account Name : XXXX XXXX Date : XX/XX/XXXX Inquiry Account Name : XXXX XXXX Date : XX/XX/XXXX Experian : Inquiry Account Name : XXXX XXXX Date : XX/XX/XXXX Inquiry Account Name : XXXX XXXX XXXX Date : XX/XX/XXXX Inquiry Account Name : XXXX XXXX XXXX XXXX Date : XX/XX/XXXX Inquiry Account Name : XXXX XXXX XXXX Date : XX/XX/XXXX XXXX : Inquiry Account Name : XXXX XXXX Date : XX/XX/XXXX Inquiry Account Name : XXXX XXXX  Date : XX/XX/XXXX Inquiry Account Name : XXXX XXXX  Date : XX/XX/XXXX Inquiry Account Name : XXXX XXXX Date : XX/XX/XXXX Please have these inquiries removed from my credit report, please update me with a full report on your finding within 30 days, as it is harming my ability to obtain new credit. I would appreciate a copy of my credit report once this issue is resolved.
Product: Credit reporting or other personal consumer reports

To whom it may concern, Im reaching out because, The Fair Credit Reporting Act 15 US Code 1681 section 602 a states, There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers rights to privacy. XXXX, and XXXX are consumer reporting agencies, and I am the consumer. I exercise my right to make certain that my private information isnt shared which is backed by 15 US Code 6801 which states, It is the policy of 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 information. 15 US Code 1681 ( e ) reads, Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681 ( c ) of this title and to limit the furnishing of consumer reports to the purposes listed under 1681 ( b ) of this title. Under 15 US Code 1681 ( 2 ) ( A ) ( i ) Exclusions : Reports containing information solely as to transactions or experiences between the consumer and the person making the report ; Reporting Transaction history is illegal. In addition to that, 15 US Code 1681 ( a ) ( 5 ) says, except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information ; Any adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years. This account is an adverse item they are reporting again without my permission which is against the law. * Toyota Financial Services is a financial institution by definition under 15 US Code 6801. 15 US Code 1681 section 604 ( a ) section 2, says, 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 does not have my consent to furnish this information and does not have my written consent. All consent to XXXX, XXXX, XXXX XXXX XXXX whether it be verbal, non verbal, written, implied, or otherwise is revoked. Under 15 US Code 6802 ( B ) and ( C ) states 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 non-disclosure option. XXXX XXXX XXXX never informed me of my right to exercise my non-disclosure. XXXX and XXXX are not maintaining reasonable procedures. 12 CFR 1016.7 states, A consumer May exercise the right to opt out at any time. I am opting out of your reporting services as of now.
Product: Student loan

Okay clear example how XXXX works.. 

I am paying off my Student Loan in its entirety.. 

But I did a test payment first in the amount of {$5600.00} it was scheduled to come out today. 

XXXX has NOT processed the payment and will wait days. Then charge me additional interest! 

Not this time.. They were to take the payment today. 

From this moment forward any and all interest accrued from them not taking the payment with be credited back to me. 

From this day forward XXXX.. You mess with my account, as I finally pay it off and I am coming after you for monetary compensation each and every day you sit on my payment. 

I suggest when you say you will take the payment you do. You are not owed a single XXXX more!! 

I can't stand you!!! 

I will say this now that once the account is paid in full.. You are never to contact me again!!! Ever!!!! 

If you pull any shady stuff in the future I will have you in court so fast your head will be spinning!!!!! 

I will be down your throat until this loan is paid in full to ensure everything is handled properly and today is just another example of your XXXX business practices ...
Product: Credit reporting, credit repair services, or other personal consumer reports

Please see attachments. Per FCRA regulations, please delete the fraudulent XXXX, XXXX XXXX & XXXX XXXX  XXXX XXXX  accounts from my credit report. My identity has been compromised and is being used to adversely affect my credit profile. Experian has been negligent in their efforts to address this matter. PLEASE COMPLY WITH FCRA REGULATIONS AND DELETE THESE ACCOUNTS IMMEDIATELY!
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit file has many mistakes on it all deriving from outdated technology from the 3 credit reporting agencies, as opposed to relaying on new information as well as certified physical documentation inwhich shows facts over unproven electronic Verification that can not be taken as fact. I'm demanding that these unknown, unauthorized accounts be blocked immediately. Please remove the following accounts, due to that fact that they are not mines. 

1 ) XXXX XXXX XXXX {$4000.00} 2 ) XXXX XXXX XXXX {$330.00} 3 ) XXXX XXXX  4 ) XXXX XXXX XXXX {$570.00} 5 ) XXXX XXXX 6 ) XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

All three credit bureau continue to report literally false information on my reports. That are clearly not doing anything about it. I will continue to dispute, I have shown proof, and this is how I know they just do whatever because two different accounts with XXXX XXXX show that my last payment was XX/XX/XXXX which would make deletion XXXX of XXXX this year. However, they should have both been removed in XXXX and XXXX the last payment was made in XXXX and XXXX. Then XXXX XXXX clearly states last payment was XX/XX/XXXX which means that should be removed next month. However last payment was XXXX not XXXX. I will continue to file complaints when I know they are in the wrong. I hope y'all can get this resolved.
Product: Debt collection

On XX/XX/XXXX I contacted Pro Collect to see why they were showing up on my rental history as being owed a debt in which I know I included in my Chapter XXXX Bankruptcy filed case. I filed Chapter XXXX in XX/XX/XXXX in which I have since been discharged from this filing. Once again I contacted Pro Collect and asked why are they still showing that I owe for the XXXX XXXX XXXX and other company by the name of Sure Deposit which was also included in the Bankruptcy. I was advised that my account was restricted and to contact a gentleman by the name of ( XXXX XXXX ) via email. I was giving the email of XXXX and also advised that if and when he returns my call that I would need to answer because he will not call back. Meanwhile, I still did not receive a call back or email in reference to my issue at hand. I contacted the company again on XX/XX/XXXX for a follow up because I have yet to receive a resolution from the first attempt to inquire as to why this debt is still out there when it should indicate it was discharged through bankruptcy. This is causing a hardship on me because I'm trying to relocate and they will not allow me to reside in their dwelling until I show proof that I do not owe this debt to Pro Collect, The XXXX XXXX XXXX and Sure Deposit. I have yet to hear from this company and per the reviews for this company they have horrible service and XXXX XXXX is not a reliable source to handle the issue at hand. Therefore, I will exhaust all avenues until I get this issue resolved.
Product: Credit reporting or other personal consumer reports

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 AvA account number XXXX has violated my rights. 
I looked at my XXXX credit and XXXX XXXX report on XXXX XXXX  and noticed some things are incomplete and not accurate. And according to the fair credit reporting act 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 according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( XXXX ) reports a late payment thats is not true
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX or XXXX XXXX XXXX Account # 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. 

I have attached XXXX XXXX credit profile showing inaccuracies and inconsistencies reported to all 3 credit bureaus including XXXX, Experian and XXXX. Also XXXX XXXX and the 3 credit reporting agencies failed to provide verification that I owe this debt. I have also attached a letter that I sent XX/XX/2020 of my request. I have reached out to this company several times by letters and phone calls. Per phone calls representatives instructed me to request a dispute and that is what I did.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX Equifax responded and provided false information thru the CFPB portal and stated that they deleted a fraudulent XXXX XXXX  opened on XX/XX/XXXX account number XXXX. When i logged into my credit profile on XX/XX/XXXX that same fraudulent account still appears it was never deleted as stated ... The CFPB complaint ID : XXXX. I also attached Screenshot as proof the account still remains a day after receiving a response from Equifax that it was DELETED
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
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/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

called equifax approx XXXX ; XXXX XXXX  on XX/XX/2020 and spoke with a supervisor by the name of XXXX who refused to file my dispute i advised that according to FCRA AND CONSUMER CREDIT ACT I have submitted a written request sent certified that i am disputing these inquiries that is listed on my credit report, the 1st rep ( XXXX  ) acknowledged the receipt of the letter XX/XX/2020 received by EQUIFAX but the companies weren't listed so i advise XXXX XXXX supervisor ) i am calling to FOLLOW UP now, she then without me providing any companyy name proceeded with assumption to tell me that all of these inquiries are FACTUAL like XXXX, i responded by advising her I NEVER once mentioned XXXX XXXX XXXX so why would you assume thats who i was disputing instead of allowing me to give the names, i advised her under the consumer credit protection act and federal credit reporting act i have the right to dispute an inquiry that is unauthorized meaning a company obtained my information without authorization or permission and it should be DELETED she told me that is not a VALID reason and EQUIFAX does not take disputes on inquiries despite me reaching out to said companies and THOSE SAME COMPANIES do not or can not verify my information with their company what i would like to know why are reps at equifax making decisons or unwilling to accept disputes based on personal opinion and not defending the consumer yet is privILIGED to consumers PERSONAL INFORMATION but refuses to accept OR PROCESS disputes. 

Your Desired Resolution : i am seeking reps TO be educated on the LAW and the 4 inquiries that i have not been able to successfully dispute because the reps have shown no desire or interest to even investigate or provide me the opportunity to do so, they are reading a script and rejecting ANY HARD INQUIRIES DISPUTE when i have the right to have these inquiries DELETED. to which they did not even ASKED ME the names, they assumed which is shouldnt be the protocol of just simple customer service. i sent a written letter certified mail and I NEVER EVEN RECEIVED A REPLY OF ACKNOWLEDGMENT AS A COURTESY. I CALLED TODAY and these people treated me as its personal and rejected to assist me in any way, other to redirect me cause they simply did not want to do a job
Product: Credit reporting or other personal consumer reports

In reviewing my credit report I noticed that I have a " collection '' account listed from Puget Sound Collections. Upon reviewing this information it indicates that it was opened in XX/XX/2020, the balance is XXXX, and it indicates that the original creditor was " XXXX XXXXXXXX XXXX XXXX  ''. I had previously disputed this to no avail. I had insurance the entire time I lived in WA XXXX from XXXX. At no time did I got to a doctor where insurance was not active. I do not owe anyone for any medical bill. This is also a medical debt, per the information provided, and should not be on my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted all 3 CRAs regarding the associated inquiries.

In the first attachment, you will find returned letters from creditors that claim to have permissible purpose to obtain a copy of my credit report. I requested verification from all 3 CRAs and all replied saying that the information for all 6 returned inquiries has been verified. I would like to know how they verified information yet continue to report companies on my report with false contact information. Per the FCRA, the credit bureau is not allowed to report anything they know to be false, including addresses. I have sent letters to all CRAs showing verification of the same information and have received no reply or deletion of the false information.

In the second attachment, you will find copies of all letters sent out to the creditors reporting false inquiries on my credit report claiming to have permissible purpose. I requested the information from the creditors claiming permissible purpose in the form of an application for credit or the like and received no response from any of them. If they do not reply within 30 days of receiving my letter, they are in violation of the FDCPA and FCRA.

I requested verification from all 3 CRAs via certified mail and all replied saying that the information for all inquiries has been verified. I requested the verification method used as well as contact information for the individuals the CRAs spoke with. I have not received anything to date. The responses I have received from XXXX claim that a specific address from a creditor is not not reporting instead of addressing the direct concern. I believe this is a tactic to avoid addressing the concern. You will find an example of this in the third attachment.

This complaint is being filed as part of the documentation being presented to the courts.
Product: Credit reporting, credit repair services, or other personal consumer reports

Bank of America charging me annual fee after I closed my account with them in year 2014. Approx 6 months ago I applied for a land mortgage loan through XXXX XXXX, XXXX Mississippi. They ran credit report on me for the loan. I received information on the credit report that I own Bank of America {$69.00} for annual fee after I had paid up my account and closed the account. So, I called them about what was showing on my credit report ... the rep on the phone from Bank of America look up the information and saw where I had closed the account and information about the annual fee. After going over the information the rep from Bank of America stated that she would remove this in formation and wave the XXXX. 
I just applied for another loan with XXXX XXXX XXXX XXXX and they ran a credit report and found that Bank of America still had not removed the annual fee. So, I again called them to question why its not been removed and rep said that it can not be removed until I paid {$69.00} annual fee. I explained to the rep that I had called approx 6 months ago and it was suppose to be removed she said there was no record of this request ... so out frustration I paid the {$69.00}. I recently when to my XXXX XXXX XXXX XXXX account site and view my FICO score and show that it lower my FICO score 20 points this is unacceptable. I don't understand this problem especially after I paid my credit card off and closed the account.
Product: Credit reporting, credit repair services, 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 Account # XXXX, XX/XX/XXXX XX/XX/XXXXAccount # XXXX, XXXX XXXX XXXX Account XXXX XXXX, XX/XX/XXXX Account # XXXX, XX/XX/XXXX Account # XXXX, XX/XX/XXXXAccount # XXXX, XX/XX/XXXX Account # 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 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

I have XXXX account that was under the Fair Credit Reporting Act and it was 7 years on XXXX delequiency in XX/XX/XXXX. I was also reported late in XXXX and XX/XX/XXXX. This should be deleted from my file. They are telling me XX/XX/XXXX it will be deleted. This is not accurate and they are extending the time. Both XXXX and XXXX deleted the XXXX. Please assist in removing these from my file