23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Freedom Mortgage sent me a projected escrow analysis in XXXX notifying me that my payments were increasing over {$700.00} a month. They claimed based on their analysis my escrow had a shortage and they projected I would owe {$10000.00} from escrow along with a current shortfall. I am XXXX. I filed homestead exemption and my actual tax is {$1200.00} a year. My home is insured at XXXX XXXX and my insurance is {$2000.00} a year. They also take {$51.00} a month for mortgage insurance. Theis is {$3800.00} not XXXX. When I started reviewing the statements there are all sorts of phony withdrawals that when I ask them to explain they stated that occurred before the loan transferred to Freedom. So the customer service rep was rude, arrogant and more or less said they are paying the bills sent to them without investigating the source and passing the charges to me. I cant do anything else. I should not have too. I have statements from my insurance and tax stating what I really should owe from my escrow. Someone is stealing and I have multiple unexplained phony withdrawals from my escrow account and can not get acceptable answers.
Product: Debt collection

I was called by a guy saying he represented a collection agency for Eversource ( a power company in my area ) saying that we owed {$45.00}. We knew that we had paid in complete our total power bill. 
He threatened to mark down my credit and said we had to do it tonight. When I asked for his number and told him I would call him back he just hung up. 
Call was from XXXX
Product: Credit reporting or other personal consumer reports

Upon review of my reports, i have noticed some late payments on an account that i was not late for. The consumer reporting agencies have a vital role and have responsibility to report consumer maximum accuracy to the best of their ability. I have never been late on the accounts that i included in screenshots inside this complaint on the dates of XXXX XXXX XX/XX/2024 XXXX  XXXX XXXX XX/XX/2024 XX/XX/2024. 
Please investigate and provide proof with statements showing that these payments were late. If proof cant be provided, I demand these payments be updated to PAID as agreed on time as they should be, do to never being late! Thank you please see screenshots attached!
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. These accounts must be validated in accordance with Sections XXXX09 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I am a victim of a data breach and, as a result, fraudulent accounts have been added to my credit report. Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting the immediate blocking and deletion of the following accounts, which were compromised due to this breach. These accounts are unauthorized, and I ask that they be removed from my credit report. 
Accounts to be Blocked and Deleted XXXX. XXXX XXXX Account # XXXX Reported : XX/XX/XXXX Amount : {$0.00} XXXX. XXXX XXXX XXXX Account # XXXX Reported : XX/XX/XXXX Amount : {$0.00} XXXX. XXXX Account # XXXX Reported : XX/XX/XXXX Amount : {$0.00} XXXX. XXXX XXXX Account # XXXX Reported : XX/XX/XXXX Amount : {$0.00} XXXX. XXXX XXXX Account XXXX XXXX Reported : XX/XX/XXXX Amount : {$0.00} XXXX. XXXX XXXX XXXX XXXX Account # XXXX Reported : XX/XX/XXXX Amount : {$25000.00} XXXX. XXXX XXXX XXXX XXXX Account # XXXX Reported : XX/XX/XXXX Amount : {$0.00} XXXX. XXXX Account # XXXX Reported : XX/XX/XXXX Amount : {$0.00} XXXX. XXXX XXXX XXXX Account # XXXX Reported : XX/XX/XXXX Amount : {$0.00} XXXX. XXXX XXXX XXXX Account # XXXX Reported : XX/XX/XXXX Amount : {$0.00} XXXX. XXXX XXXX XXXX XXXX Account # XXXX Reported : XXXX XXXX, XXXX Amount : {$0.00} XXXX. XXXX Account # XXXX Reported : XX/XX/XXXX Amount : {$2100.00} XXXX. XXXX XXXXXXXX XXXX  Account # XXXX Reported : XX/XX/XXXX Amount : {$0.00} XXXX. XXXX XXXX XXXX Account # XXXX Reported : XX/XX/XXXX Amount : {$0.00} XXXX. XXXX XXXX XXXX XXXX Account # XXXXXXXXXXXXXXXXX Reported : XX/XX/XXXX Amount : {$25000.00}
Product: Checking or savings account

I got in a car accident and the insurance company sent me a check but spelled my name wrong. I requested a fixed check, but hadnt heard from them. Since I thought maybe they werent sending a new check, I tried to cash the original check through SoFi. Days later I got the updated check, but I couldnt stop the original check from trying to cash, so I just added the new check but knew not to overspend. Now, I have {$1100.00} stuck in my SoFi account because on XX/XX/XXXX, SoFi marked my account restricted. I dont even care they restricted it, I care that the correct check was done processing and they have STILL not officially closed my account and sent me the check for my money. For the past XXXX weeks Ive tried calling, and SoFi doesnt help me at all. Theres no pending transactions, and I know the check that was correct has fully posted. Theyre just holding my money, and its almost been a full month now. I need help because theyre call support isnt actually helping.
Product: Credit reporting or other personal consumer reports

This is very upsetting. My credit report contains inaccuracies and incomplete information. My requests to correct this information keeps getting disregarded and my XXXX XXXX is unfairly affected.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am filing a formal dispute regarding Equifaxs mishandling of my prior disputes and their failure to comply with the requirements of the Fair Credit Reporting Act ( FCRA ) and the Consumer Financial Protection Act ( CFPA ). The CFPB 's recent lawsuit highlights systemic issues with Equifaxs handling of consumer disputes, which are directly relevant to my experience. 
I previously disputed the following information on my Equifax 's credit report : XXXX XXXX XXXX XXXX account number XXXX XXXX account number XXXX XXXX XXXX account number XXXX Despite submitting evidence to support my dispute, Equifax failed to conduct a proper investigation. Specifically : 1. Sham Investigations : Equifax failed to convey the full details and supporting documentation of my dispute to the data furnisher. Instead, they appear to have accepted the furnishers response without question, even though it contradicted the evidence I provided.

2. Failure to Provide Investigation Results : The response I received from Equifax vague, confusing, and did not provide specific details of their investigation or evidence supporting their decision.

Potential Improper Reinsertion of Inaccurate Information : I am concern Equifax may have improperly reinserted information I previously disputed and believed to be corrected.

Equifaxs actions appear to violate the following : FCRA 1681i ( a ) : Failure to conduct reasonable investigations of disputed information.

FCRA 1681i ( 5 ) ( B ) : Improper reinsertion of previously deleted information without proper notice.

CFPA Prohibitions : Engaging in unfair acts or practices by failing to ensure accurate investigations and providing misleading or ambiguous responses to consumers.

1. Reinvestigate the Disputed Information : Conduct a proper and thorough investigation of the disputed account and provide detailed results of your findings.

2. Remove Inaccurate or Unverifiable Information : If Equifax the furnisher can not verify the disputed account with evidence, delete it from my credit report immediately.

3. Provide Investigation Details : Share all documentation you used to verify the disputed account, including records from the data furnisher.

4. Ensure Compliance with the Law : Prevent improper reinsertion of any previously disputed or deleted information.

If Equifax can not provide adequate documentation or results of a legitimate investigation, I will escalate this matter further by filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and considering legal action under the FCRA and CFPA.

I look forward to receiving a response within 30 days, as required under the FCRA. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I turned in my XXXX XXXX lease in XXXX of XXXX. I made all my payments on time and never received any additional bills. I was recently notified by my credit monitoring agency that Hyundai was reporting negative information, claiming I owed them money and that I was late on a payment. I called and I was told I didn't owe anything and to just send a letter to their credit department to have it fixed. The credit department sent me a letter saying the information was accurate and they wouldn't fix it. I called again and this time I was told I did owe money. They never told me what I I owed for, but I paid it over the phone anyway. They told me the bill was sent to an old address in XXXX or XXXX. I had moved over a year prior, so the bill was never sent to me and my mail forwarding had ended. Hyundai had my new address. My current lease is through the same finance company and Hyundai has been sending me advertisements for their new vehicles. However, the bill was sent to the old address. They are continuing to report that I was late on my payment, even though I still have not received a bill. I filed a dispute again with their credit dispute department and they are just saying that the information is accurate as reported and that I was late on my bill. A bill that they acknowledge they sent to the wrong address over a year after I moved and over a year after I turned in the vehicle. They never gave me the opportunity to pay on time. I never received the bill. If they hadn't take over a year to send the bill, the post office would have forwarded it to my new address and I would have paid on time. If they sent the bill to the correct address, I would have paid on time. Can you assist me in dealing with Hyundai Motor Finance in order to fix the damaging information they have sent to the credit bureau?
Product: Checking or savings account

I deposited {$36000.00} into a Certificate of Deposit with Wells Fargo. At the time I had a business that I operated. At some point my business sought and was approved for a credit line. The business agreed to pay the loan. I did not guarantee the loan personally. Due to the down turn in the housing business my XXXX and XXXX  business went out of business and that independent corporation was responsible for the debts that it had. That said, Wells Fargo essentially impounded the money in my CD to cover the outstanding debt that was owed by the corporation. However, the deposit agreement does not provide for this to occur. My attorney sent Wells Fargo request to produce a copy of the deposit agreement which they say authorized them to impound the monies in my CD, but they refused to do so. Instead, what they sent to him was a copy of the new deposit agreement that permits Wells Fargo to take money out of a private account to cover the debt of a related business. No such provision existed at the time that I deposited my {$36000.00} in the CD. I am looking for the immediate release of all of my money in the CD plus interest. I deposited to the money before 2012 and my most recent request that I made last year was met with some obviscation about the statute of limitations running.
Product: Money transfer, virtual currency, or money service

I have been trying to contact coinbase customer support for XXXX years, I had about XXXX in a coinbase account and someone hacked into it, started a chat log with coinbase and you can see XXXX language... i guess and moved all of my money into a XXXX bank. it is all on the chat logs that are in my account. that was definitely not me and I want my money back. they changed the phone number, email and password associated with my account and i havent been able to access it or gain any progress towards a resolution of this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus on XX/XX/XXXX, to update this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. Please update the following items as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : 01 XXXX XXXX XXXX XXXX XXXX  ) XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Debt collection

Company is attempting to collect a debt that does not exist. Account was paid in full and I believe this is an extortion attempt. I contacted XXXX and they had no knowledge of any monies owing or why this debt collector was trying to collect on an account in good standing,
Product: Credit reporting or other personal consumer reports

Account LVNVFUNDING ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) have been reporting inaccurate information on my credit report for a long time and XXXX failed to conduct a thorough investigation on the information being report. I do not recognize this account nor do I recall opening an account with the furnisher/credit. The following are missing/inaccurate informations being report as follow... 

" Account type, Account credit type, Incorrect date opened, loan/credit amount, payment status, past due amount, date of last activity, and date of last payment, incorrect and incomplete reporting 2-years payment history '' I demand these informations be updated for accuracy and corrected immediately.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an Non Governmental organization helping me due to XXXX XXXX XXXX XXXX, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Product: Credit reporting or other personal consumer reports

This is my first request to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX Balance Owed : {$10000.00} XXXX  XXXX Balance Owed : {$7600.00} XXXX XXXX XXXX XXXX Balance Owed : {$5500.00} XXXX XXXX XXXX Balance Owed : {$440.00}
Product: Student loan

My account is set up on auto draft every month. I never really took notice until I received my tax statement for XX/XX/2016 but my payments have not been applied to any of the principal for the last 4 years. In my payment history, I can see the payment break down of principal and interest but my balance has been increasing and therefore I am paying more in interest as a result. My tax statements show that my interest paid is the total of every payment for the year. I called Navient customer service and they gave me the run around and told me the opposite of what my account and tax statements say. I understand there is a class action lawsuit for this issue currently in the works but I want to get the issue fixed so my future payments are applied correctly. Basically, this has doubled the remaining payment terms.
Product: Credit reporting or other personal consumer reports

XXXX XXXX has been destroying my credit for the last couple of years. It is currently showing that I have a repossession for {$16000.00} but it is also showing that this debt has been written off and charged off. According to the IRS any debt over {$600.00} that has been written off and canceled the company must file a 1099-C and also provide me a copy of that 1099-C that says that the debt has been canceled and I no longer owe the debt. I have requested debt validation and a copy of the documentation of original documentation which I was never provided it has been well over 30 days but they still are reporting on my credit report I demand Equifax XXXX and XXXX to delete the {$16000.00} off my credit report for the failure of providing me the documentation that I requested I also requested debt validation and copy of the documents and they were never mailed to me they were never emailed to me I was never provided with the documentation I requested I demand this be deleted immediately by the three consumer bureaus Equifax XXXX XXXX and XXXX immediately or I will take legal actions. I will sue for damages and the distress that it is causing me and my family especially when I'm trying to buy a home for the family I will take legal action within 3 business days unless this has been deleted.
Product: Debt collection

On XX/XX/XXXX, my parents were contacted by XXXX XXXX XXXX stating that they needed to get in touch with me to avoid charges being filed against me for a debt. When my mother asked how they got her number, they hung up on her. This was an obvious skip trace they had done on my parents who have never signed any loan for me nor should they have discussed this with her. 

I was also contacted by XXXX XXXX XXXX the same day so I called them back after receiving a call from my mother. I was told it was about a debt they claim I owe to XXXX XXXX from XXXX. I told them repeatedly that I never signed anything with a company by the name. They threatened to charge me with criminal charges of attempt to defraud a financial institution and said I would be picked up that next Monday morning. I was told I owed {$560.00}. I will admit they had me scared, and I know I shouldn't have paid without looking up the statutes. I now know that a debt buyer can not collect on loans more than 3 years old in my state of NC. At the time, I offered to settle for {$200.00} and they refused. So I paid them {$150.00} that day. They had all of my information, including my current address and social. 

Today ( XX/XX/XXXX ) my bank called from the fraud department as they ( XXXX XXXX XXXX ) tried to process a payment for {$410.00} which is the remainder of the debt they claim I owe. This transaction was in NO WAY authorized. As I know they are outside of the bounds of what they are allowed to collect from me, I want them to cease contacting me or anyone in my family about this debt. I also believe I should be refunded the {$150.00} they originally collected as they were not within the law to do so. 

The phone number they called me from is XXXX and the number on the fraudulent debit card purchase is XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Inquiry date : XX/XX/XXXX XXXX OF XXXX Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX Inquiry date : XXXX XXXX, XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX Inquiry date : XX/XX/XXXX XXXX Inquiry date : XX/XX/XXXX XXXX Inquiry date : XX/XX/XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX 2020
Product: Credit reporting or other personal consumer reports

i did not authorize anyone from this company to check my credit or run a credit check
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX Balance : {$130000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  is reporting several late mortgage payments during XXXX. I was in process of a modification and had been informed that payments would not be reported during the time in which the modification was in process. I have had my mortgage since XXXX and there were never any late payments. 

I've had issues with XXXX XXXX XXXXXXXX before and will be looking to refinance my home when interest rates drop again. I find XXXX  XXXX XXXX to use deceptive practices with some of their customers. 

Again, today I contacted XXXX  XXXX XXXX and again requested that the late payments from XXXX be deleted because they harm my credit rating and because I was in the modification process. 

A representative informed me she would forward my information to a manager of the credit reporting department, but I have not received any response.
Product: Debt collection

XXXX calls me XXXX times a day. Today 7 times in a row. I have resolved the billing issues ( they stoped auto payments ) although it is not due to my fault. They called me 7 times in a row today and can be seen in the attached call logs.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX a collection appeared on my credit report from XXXX XXXX a debt collector for a supposed account from XXXX XXXX. The account stated it was opened in XX/XX/XXXX for {$630.00}. I disputed this information with Experian and today XX/XX/XXXX they updated the account to show it was now originally opened XX/XX/XXXX. I have never been notified by this XXXX nor XXXX XXXX that I owe a debt to either. I have requested information from both XXXX and Experian and the only information I've been given is that the dates changed. Under the Fair Credit laws aren't I entitled to be notified of debt prior to a company just reporting information to the credit Bureau. Also aren't the credit bureaus supposed to investigate inaccurate information reported to them?