23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

My mortgage was purchased from another lender by XXXX mortgage. I do all my billing online and set automatic payments and XXXX  paper statements and had a XXXX XXXX XXXX. They wrongfully placed an escrow account on my mortgage with force-placed insurance when I already had insurance on the property. I did not realize they had done this until my credit score started plummeting with late payments due to them changing my mortgage amount to include an escrow account that was and should be principal and interest only. I sent them the documents to confirm I had insurance on the home and they refunded the force placed insurance but did not remove the escrow, late payments nor did they put my account back to its original state. I spoke to XXXX person that said it takes time for an escrow analysis. Theyve now begun rejecting my mortgage payments and Id like all the negative reports removed from my credit and my account restored to its original status.
Product: Student loan

I am a victim of ID Theft and I have been trying to improve my credit file. In my file I have collections with Navient, when I asked for all of my loans to be placed in consolidation. Now I have all collections until a company opens up the collections. I also have accounts from XX/XX/XXXX and XX/XX/XXXX negative items, how long does it take for them to be removed? I have had an several inquiries that I have questioned with Navient.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with Fair Credit Report 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 XXXX  Account Number : XXXX, Account Name : XXXX Account Number : XXXX, Account Name XXXX XXXX XXXX XXXX Account Number : XXXX, Account Name : XXXX XXXX  XXXX Account Number : XXXX, Account Name : XXXX Account Number : XXXX, Account Name : XXXX XXXX Account Number : 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.

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 items of information, other than records of convictions of crimes which antedates the report by more than seven year.

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: Checking or savings account

Why is my account SUDDENLY FROZEN?! 

There is absolutely ZERO " suspicious activity ''. My transactions are pretty much the EXACT SAME EVERY WEEK, folks! 

In almost XXXX XXXX XXXX XXXX  YEARS, I NEVER had this issue with CashApp ( now " Block, Inc '' )! 

Refer to the attached documents for further details.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been receiving suspicious emails and activity in my email and bank accounts lately. I have also been exposed in several data breaches that exposed my personal information to scammers and frauds and im positive that someone is using my information to open and or make charges to existing accounts. I have contacted the creditors and this bureau and notified you of this and requested the information to be blocked immediately from my report. You Violated The United States Code Law 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report. 
As a consumer by law these accounts on this letter must be deleted immediately or i will seek monetary damages in small claims court in my city and state. Also we already involved and sent this letter to the Consumer Financial Protection Bureau, Attorney Generals Office, XXXX XXXX XXXX and Federal Trade Commission.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX I reviewed my credit report and noticed several accounts i believe to be fraudulent. I believe these accounts come from one of two security breaches i was involved in the XXXX  data security breach of XX/XX/XXXX and the XXXX  XXXX  XXXX  breach of XX/XX/XXXX. i would like these items removed from my report as soon as possible. I am a victim of identity theft and need these items removed immediately.
Product: Credit card or prepaid card

I sold a high value on Mercari that was purchased for {$500.00} but undersold on the web platform for {$300.00}. 
On XX/XX/XXXX the item sold was delivered to my Mercari client.

Customer complains that the listing did not include accessories however the listing clearly states it is only the unit. Pictures on listing also show only the unit.

I offered to discount or even provide the cables to client but Mercari 's plan of action was to authorize the return unjustly. 

Label was provided to client and they shipped it back via XXXX. 
XXXX tracking # shows delivery of package but I did not receive the package back. 
I have went to neighbors and asked the XXXX station/driver but it was to no avail. They can not find the package. 

I requested Mercari to file a claim or assist with tracking as this is their shipping label.

Shipping couriers only provide claims to those who purchased the label. 
No support was given. 
It is my understanding that for a high value item Mercari should be buying insurance and using signature confirmation to ensure delivery of the package. None of which was done.
Product: Mortgage

I received a copy of my credit report. It shows numerous inquiries from Chase Mortgage. I have no business with Chase Mortgage. I do have an auto loan with Chase. In the past two years, Chase Mortgage has. Made more than XXXX soft inquiries into my credit history. Soft inquiries are for business purposes but I have no business with Chase Mortgage in any fashion nor have I inquiried into getting any. Moreover, I have never received an offer from them.On the other hand, I only have XXXX inquire from Chase Auto. At this point, I believe someone with Chase Mortgage is abusing their privileges to inquire about people. This is abusive. What a steps does Chase Mortgage take to insure their employees are not abusing their sensitive information access.
Product: Debt collection

In XXXXXXXX XXXX XXXXXXXX, I signed for solar panels at one of my properties through a company called XXXX XXXX. Their financing was through Mosaic, and the full amount was $ XXXX. The loan had a 12 month grace period so the first payment wasn't due until XXXXXXXX XXXX XXXXXXXX. I wasn't aware of how the money was being paid out so when I received an email asking if work had commenced, I let XXXX know and was instructed to say yes so they could receive more funding to actually get the work started since it was an out of town job. I wasn't aware that they had already been paid out the entire amount but that they were behind on other jobs which is why they hadn't started on mine. As time passed, nothing was ever done so I called XXXX and the owner, XXXX XXXX, agreed to cancel the contract and take over the debt themselves. We called Mosaic together on a recorded line and explained the situation. The representative let us know that it wouldn't be a problem and that they'd done that before, and that all we needed to do was submit a fully executed letter stating that XXXX was in agreement to become financially responsible for the debt since no work was ever completed. I thought it had been accepted at Mosaic but then I started to receive invoices asking for payment. We called again and explained the situation, on another recorded line, and the representative said they'd look into it right away to have it updated. Now it's been almost 5 months and Mosaic is reporting to the credit bureaus that I haven't made any payments, essentially destroying my near perfect credit score. I even went to the credit bureaus directly hoping they would take a closer look at my file, but Mosaic just confirmed the debt was mine again. They've ruined my credit, and I am now not able to qualify for any credit or loans due to the negative reporting by Mosaic. I recently got turned down for a home loan due to this situation. I really need this resolved as quickly as possible, because the debt is about to go into collections and Mosaic is liable to sell the debt to a collection agency to try to recoup some of their money but that will leave me open to having multiple collections agencies trying to collect that debt from me in the future.
Product: Credit card

I believe the account with LVNV FUNDING LLC might be questionable. LVNV FUNDING LLC must verify through a legally binding statement that the claim is valid and devoid of any breaches of agreement, lack of consideration, or significant alterations, ensuring that the original lender received fair value. Additionally, they must confirm that the transfer of the alleged account was conducted in good faith with the consent of all parties involved. If LVNV FUNDING LLC can not furnish this sworn statement, I insist on the removal of the account from both my credit record and their records. LVNV FUNDING LLC XXXX
Product: Checking or savings account

On XX/XX/year> I received an email from Wells Fargo informing me that I must update my information by XX/XX/year> or my account would be restricted. That same day I submitted the documentation they requested through the link Wells Fargo sent me and on XX/XX/year> they received the information provided to them ( passport photo and XXXX XXXX certificate but they never updated the information and consequently they have restricted my checking, savings, and credit card accounts. So now I can not make any payments to any creditor because they froze my funds for no reason. I have called them and they did not solve the problem and because of that I am the one who is harmed and I feel discriminated against by that banking entity since it is the first time that a bank or creditor has treated me that way as a citizen of the United States.
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 Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX Account XXXX : XXXX Account name : XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX FUNDING Account number : XXXX Account name : XXXX XXXX Account number : XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXXXXXX XX/XX/year>
Product: Debt collection

Amercican Collections Inc has repeatedly been harassing and intimidating when I have interacted on the phone with them. The manager whom I was transferred to after speaking with XXXX, threatened to call the doctor 's office I owe a debt to and tell the doctor 's office that I am not cooperating with the terms of the payment agreement. In XX/XX/XXXX, I was told as long as I pay the debt prior to the last day of the month, my account will not change. I sent a partial payment using my bill pay in XX/XX/XXXX and was waiting until I saw the payment post to my bank account to pay the difference. On the day the company received the partial payment, on XX/XX/XXXX, they called me and were telling me contradicting information regarding whether or not me giving them money to pay my debt was a problem. I started this payment agreement in XX/XX/XXXX and paid in XX/XX/XXXX. XX/XX/XXXX is not even over and they are threatening that they will have the doctor 's office collect the original amount. When they called on XX/XX/XXXX, I had already been planning on calling them to use my credit card after I saw the check post to my account, as I had done the previous month. Had they called me simply to ask me to pay the difference for XX/XX/XXXX instead of trying to berate me and pressure me, I would have paid right then. Instead they behaved discourteously. They kept using the word, " generous '' to describe the benevolence of the doctor 's office and I strongly feel the language they were using was meant to belittle me and to intimidate me and to make me feel guilt and shame, despite that I am paying this debt. They are behaving very badly while I am paying this debt. I do not deserve to be harassed and threatened because I am paying a debt. They have lied and misrepresented the information regarding the payment of debts. Also, my husband called ACEI after I called him at work and I was very distressed. When he called ACEI, he spoke with XXXX, who transferred him to the same manager. She disclosed sensitive personal information regarding the debt. She told him who the debt was from, how much it was and all information regarding the debt. To my knowledge, sharing that information is illegal and against confidentiality practices. They did not have my consent or confirm that he was my husband before sharing my personal information.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX XXXX, Experian, I am a victim of identity theft I never gave consent for consumer reporting please remove all reports on Credit file
Product: Credit reporting or other personal consumer reports

I am a victim of identity fraud and I have inquries on report did not come from me XXXX ( XXXX ) CompanyDate of inquiryAddressPhone number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I have been charged a late fee twice on my credit car from Best Buy Credit Services. The 2 checks were dated and mailed in a timely manor, prior to the due dates. I was Informed by an employee named XXXX from XXXX # XXXX that it must be mailed 11 days before due date, as not to be charged a late fee. I was never told this policy in the store when I applied for the credit card. I am closing my account as of XX/XX/2018, and disputing the {$27.00} late fee charges in writing by certified mail. I plan to pay account off in full in XXXX payment.
Product: Credit card or prepaid card

On XX/XX/2018, I attempted to call XXXX XXXX Mississippi  who handles child support payments for Mississippi. I called because of an unauthorized transaction on my account. After trying to get a representative on the phone, I finally figured out the prompts to get a human. Once I finally got to my turn, the person picked up and hung up. Its mandatory to hear your balance as soon as you input your information. I was then charged a XXXX cent fee. this is the 4th or 5th time I have had to fight for these fees to be removed while trying to reach customer service.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts are not mine : XXXX/XXXX/XXXX XXXX.
Product: Credit reporting or other personal consumer reports

This account is reporting inaccurate information on my consumer report. I have disputed this account with the company and they have failed to do a proper investigation. This account is being reported on my consumer report without my consent and causing me financial harm.
Product: Mortgage

My wife and I had a loan through XXXX for a few years on our home then they sold it to a new company we have had since XXXX I believe. Our payment then was just less than {$980.00} a month then in XXXX it went down to {$900.00} due to us being caught up in escrow because we were a little behind due to insurance going up and property taxes going up and due to being all caught up on our escrow being caught up and in good standings and now I talked to the company we are with now which is Rushmore Loan Management Services because our house payment got moved up to {$1000.00} from {$900.00} they are telling us that they went up do to projected amount that might be owed next year but we are not behind at all in our mortgage at all. How can a company say that it might be more next year but they aren't sure yet? We aren't behind we are ahead in our escrow, so how can they do this? They also said if we are over paying by XXXX next year they would refund our money then but not till then. Our house insurance gets paid in XXXX every year and property taxes in XXXX every year I believe. Either way we are {$610.00} to the good in our escrow and every month we are paying {$400.00} into the escrow.
Product: Mortgage

Monthly escrow payments for taxes and insurance are included in my mortgage payments. 

XX/XX/XXXX I had an escrow shortage ( {$240.00} ), which I paid to avoid increase in monthly payments. 

XX/XX/XXXX I changed Homeowner 's Insurance from XXXX to XXXX XXXX. XXXX increased from {$1600.00} to {$1700.00}. To make up for the difference, I paid into escrow {$330.00} on XX/XX/XXXX. 

XX/XX/XXXX Truist said I had an escrow shortage of {$650.00}, because I needed two ( 2 ) full months in escrow. 

I have paid {$1200.00} specifically to escrow since XX/XX/XXXX. 

XX/XX/XXXX, my mortgage statement says my monthly payments are increasing another $ XXXX. Two different Truist agents on two separate phone calls ( XXXX and XXXX ) tell me that my homeowner 's insurance has increased since I switched to State Farm on XXXX XXXX by {$160.00}. 

I spoke with my XXXX XXXX rep who told me they did NOT increase my homeowner 's insurance!
Product: Debt collection

Upon reviewing my latest credit report, I found several accounts that appear to be fraudulent. These were added without my consent.
Product: Debt collection

Received XXXX phone calls from a debt collection company asking to speak with my spouse ( asked to speak to him by name ). Calls received on XX/XX/XXXX, XXXX, and on XX/XX/XXXX and XXXX, XXXX. All after XXXX and before XXXX. 

I did not answer the calls on XXXX XXXX and XXXX. However, on XXXX XXXX I answered and spoke with a collections rep. He hung up on me while I was asking a question ; I called back and spoke with a different rep. who apologized for the rude behavior of the first rep. I said that I would give my spouse the message to call them back. The rep. claimed that my husband gave them my number to reach him. This is false, and I told the caller so ( confirmed this with my spouse who never leaves my cell phone number with anyone ). 

On XXXX XXXX, I received another call asking to speak with my spouse. I gave them my spouse 's work phone number. That evening my spouse confirmed that he spoke with the collections company. But my spouse believes the collections company has the wrong guy. 

On XXXX XXXX, I received another call that I ignored ( voice mail was left ). However, when I tried calling back, thrice, the line was busy. 

It's illegal for debt collectors to contact third party ( i.e. family members ) more than once, correct? Obviously, this company is way out of line.
Product: Debt collection

I was hospitalized sometime in XX/XX/XXXXI dont know exactly when but I know I had CA state medi-cal insurance. The hospital has to provide that for you if you go into the emergency room by the way by the Obama care act of XX/XX/XXXXbut I already had insurance. I went to a mental hospital and a drug program and I had no contact with my parents and that includes any mail. My mother was throwing it out. I had no knowledge of the account until a year later when I opened up a XXXX XXXX account and saw that This was on it. I was wrongfully billed by XXXX XXXX XXXX and when I called the collections they said it had already been a years time given for me to dispute so there was nothing I could do about it. I was unaware of the account though. I just have been so busy with my life situation and issues I havent found the time to sit down and complain about this. I talked to the collections in XX/XX/XXXXI believe.
Product: Debt or credit management

XXXX XXXX XXXX placed a lien on my bank account for a XXXX  debt. They have not contacted me in over XXXX  months and took action without any prior notification. They provided inaccurate contact information on the XXXX  XXXX website and the phone number is not valid for their business.
Product: Credit reporting or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by the XXXX XXXX XXXX XXXX ( XXXX  ) XXXX XXXX presume that no proof of the alleged debt. Nor therefore any such debt in fact, therefore exist.. ( please remove these accounts before I seek litigation for defamation of character ) XXXX XXXX  balance {$0.00}, XXXX XXXX XXXX XXXXXXXXbalance {$740.00}.