23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I start a Commercial mortgage with XXXX XXXX XXXX in early XXXX, Monthly payment is {$1500.00} per month. Mortgage amounts is about {$250000.00}, I set up the auto pay from my bank and set out money every XXXX of the month, everything going well. But in XX/XX/XXXX, XXXX sold my mortgage to Carrington mortgage Service, I still continue send my {$1500.00} monthly payment to the new mortgage company every XXXX of the month. But few month later, They increased my monthly payment to about {$2000.00} per month, I do not know why and called. them they told me they bought a very expensive home owner insurance for me without give me notice, it is about {$4800.00} per Year, it is way too much compare to a regular home insurance for that house! But I have my own home owner insurance! They just do not have the insurance information in their records, I asked my insurance agent and provided my own homeowners insurance to them very soon, also request them stop the expensive insurance soon, but they still continue keep it, cause me double paid a lot of insurance fee for that mortgage in the past 6 month! It is not available. 
Also, My bank automatically paid my monthly payment {$1500.00} to them every month, they still consider my payment late because of the added extra insurance fee. I have to paid extra {$2500.00} to cover it in End of XX/XX/XXXX, Actually I total paid 9 month {$14000.00} from XX/XX/XXXX to XX/XX/XXXX, if following the original number {$1500.00}, I only should pay 9 month {$13000.00}, I paid extra {$1100.00} on my mortgage! 
I called Carrington mortgage again in XX/XX/XXXX, they told me they have wrong address in their records, my home address is XXXX XXXX, but their records is : XXXX XXXX, they is why I missed their important letter several times, they said many sorry to me, but still do not want remove the bad credit report for me, Anyway, after the mortgage transaction from XXXX to Carrington mortgage, cause a lot of problems! I called them many times, no one really take care it. Waste my time and money, and also cause my credit score from last years XXXX dropped to XXXX, I am very care about my credit! I always pay in time and do not want owe any one any cents!
Product: Credit reporting or other personal consumer reports

As I have asked before and will ask again, please provide me proof of my Full Name and address associated with my current drivers license and provide evidence this account belongs to XXXX XXXX XXXX XXXX - if you can not furnish this information along with a validation and verification, then please remove from my credit report.
Product: Bank account or service

I have called a few weeks ago about a phone call I received from a collection agency that was claiming I owed money. However, I did not recognize the debt mentioned, neither they have all my personal information. Now, I received a letter from Northland Group Inc, claiming XXXX from XXXX account. Reference # XXXX. They included a claim of XXXX XXXX, XXXX account, which I do not recognize either. I am not sure what this letter is about, but I do not ( and have not ) hold an account with this XXXX group ever before.
Product: Credit reporting or other personal consumer reports

Company did not resolve my issue when contacted and told them I am a victim of identity theft
Product: Vehicle loan or lease

Found out 3 months later after pressured into pPurchasing vehicle and the sales person was informed that Im just looking I was very depressed Im under three medications for XXXX and he even Seen me crying and was brainwashing me into buying something to make me happy I was so confused and scared I just went in to look for a car they rushed the paperwork they didnt even let me get to see it which my eyesight is not that good we realize 4months later my daughter looked at the car Paperworkand said why is your payment high she seen that was 17 % interest rate Ive been struggling for a year and a half to make that payment I haveNo other vehicleI tried to call Honda they wont help I even called the dealer that sold me the car and told him he tricked me knowing the condition the mental condition Im under this car payment is too high for me and I O more than its worth
Product: Debt collection

After reviewing my credit profile on XX/XX/2020, I identified a discrepancy with account listed under CMRE. I requested a validation on XX/XX/2020 as this medical account has been paid for by my insurance/XXXX. Credit report was reviewed again on XX/XX/2020 and the account is still reflecting on my report and I believe that they are trying to collect on an account that has been fully paid for and I believe that the creditor does not have authorization to legally access my medical records and to attempt to collect on this account, therefore a 2nd validation was sent out. On XX/XX/2020 my credit report was reviewed again and the discrepant account continues to reflect and has not been annotated as in dispute. Please strike and remove this account from all 3 credit bureaus until adequate validation has been received proving that this account was not paid for in full by my insurance/XXXX  and that all information is correct and valid.
Product: Debt collection

Someone named XXXX XXXX, phone number XXXX called my cell phone on XXXX different occasions and left voice mails stating he was calling for " verification request for a valid address and name of employer to process a claim against me with the Attorney General for claim number XXXX. '' He also stated I needed to call XXXX to resolve this issue ''.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

Account Name : XXXX Account Number : # XXXX XXXX Account Name : XXXX  Account Account Number : # XXXX - {$0.00} Account Name : XXXX  Account Number : # XXXX - XXXX XXXX U.S.C XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXX section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX. ( a ) ( XXXX ) XXXX States : no consumer reporting agency XXXX 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 XXXX years. 

XXXX U.S.C XXXX ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

the doctor charged me no show fees for XXXX . the collection agency added XXXX $ as finance charges and put it on my credit history.
Product: Mortgage

In XXXX, I filed Chapter XXXX Bankruptcy. The Bankruptcy Court released my home from the Chapter XXXX on XX/XX/XXXX. In XX/XX/XXXX, I noted a 30-day past due notice on my payment for XX/XX/XXXX. In contacting Freedom Mortgage, they refused to speak with me, advising that they needed a note from my attorney -- despite knowing that the home was removed from the bankruptcy. My credit reports are showing 6 months of delinquency AND the monthly payment amounts are not correct. Even the credit reporting by Freedom Mortgage indicates that the home was removed. I have NEVER missed a payment. What and where are my rights. AND, this is NOT the first time that Freedom Mortgage has been negligent in their responsibilities. This difference this time is that I have no recourse except filing through this venue and filing a lawsuit.
Product: Credit card or prepaid card

Dear CFPB, I am writing regarding the predatory lending practices of XXXX XXXX and Comenity Bank. We made furniture purchases there under their XXXX month interest free which was heavily promoted by the staff at XXXX XXXX. We have been making regular payments to our account and have actually continued to support the company. Last month we realized that Comenity added large amounts of interest to our balance. Approximately {$3000.00} to be exact. When I called to speak to them about it, they noted that their program is actually a deferred interest program NOT an interest free program as is promoted by them and in the stores. This means that they take the interest accrued over the past XXXX  months ( calculated on the original balance even though payments have been made ) and add a lump sum to the account. I spoke to a supervisor at the credit card company for a long time to address the issue. I actually made a payment for the balance on the goods I purchased in FULL ( A ~ {$5000.00} payment ) while on the phone with them. The supervisor understood my concerns because it is an issue they are faced with often since most consumers are mislead to believe they are entering a typical interest free agreement. The supervisor escalated the issue as a dispute to Comenity Bank. I have now received a letter from Comenity Bank stating that they will not forgive these interest charges despite the fact that they are misleading consumers at the time of purchase and are making minimal effort to clearly inform the consumer of the consequences of this particular plan. I am writing to CFPB so that they may address this issue and help other consumers from falling into this same trap. 
Thank you for your time!
Product: Mortgage

Hello : My complaint comes down to my loan officer not only failing to lock in the agreed upon interest rate for my refinance, but failing to inform me of his mistake until three weeks later. 

XX/XX/21 XXXX XXXX XXXX ( XXXX XXXX & Ohio # XXXX ) of XXXX ( dba of XXXX XXXX, XXXX XXXX, emailed a loan estimate to me with what were supposed to be the rates/terms/conditions ( 2.125 %, 15-yr fixed, 2.25 % APR ) we verbally agreed to over the phone. Instead, the origination charges were higher than we had agreed and I asked him to send me a revised loan estimate with their fees lowered so that the APR did not exceed 2.25 %. Mr. XXXX told me he was leaving for the day but promised to get the revised loan estimate to me the next working day. 

XX/XX/21 Mr. XXXX informed me that he couldn't lower the fees any further. He stood fast on the XX/XX/21 loan estimate promising he could get that one done. I still agreed to move forward and submitted the signed loan estimate on XX/XX/21 ( my wife did so too ). All of the income/asset/ID documentation Lower.com asked for was submitted immediately thereafter. 

XX/XX/21 Later that same day, I was contacted by another lender ( XXXX XXXX ) who informed me they could beat XXXX XXXX quoted loan estimate if I would complete the refinance through them. I considered it and declined having already committed to Mr. XXXX and XXXX 's rate/terms. I felt that I was morally bound to follow through on that promise just as they would fulfill their end of the deal. 

XX/XX/21 I heard nothing further from Mr. XXXX or XXXX for the interim period. On XX/XX/21 I received an email from Mr. XXXX ( three weeks after the loan estimate was signed by both parties ) saying that he did not lock my loan rate and he was no longer able to do the refinance loan he had promised. He offered to do the 15-year loan at 2.375 % with no points. I asked why he didn't lock the rate and waited 3 weeks to tell me he had failed to do so. The call was recorded, so his words will speak for him. Basically, MrXXXX XXXX claimed it wasn't his fault. I really don't care whether it was ( as I suspect ) a rookie mistake, or XXXX messed up, but I have been damaged. 

I did contact Owning.com to see if they could still beat XXXX XXXX original loan quote. They said they could not. I told Mr. XXXX I had been damaged, not only by him not locking the loan, but by not telling me he messed up to give me the opportunity to refinance with Owning.com. 

The cash savings over five years that I would have realized with Mr. XXXX XXXX original loan quote netted out to be {$5700.00} ( {$11000.00} in less interest paid minus the {$5500.00} in new loan costs ). I offered to settle the damages with Lower.com for a flat {$3000.00}. My offer was refused and they sent me an email saying the loan was cancelled.
Product: Credit reporting or other personal consumer reports

Fraudulent inquiry on Mt consumer report XXXX XXXX XXXX XX/XX/. I'm a victim of identity theft. I did not make this inquiry. IM RECEIVING ALERTS OF MY FILE BEING LOCKED AND UNLOCKED WITHOUT ME DOING ANYTHING. WHAT DOES THIS MEAN? PLEASE ADVISE ASAP.
Product: Credit card or prepaid card

State Farm Credit Card was open as identity fraud please send me all the documents and proof of suffocation it was put in my name
Product: Credit card or prepaid card

I cancelled the card on XX/XX/2019. I was charged XXXX on XX/XX/2019 ,XX/XX/19 ,XX/XX/19, XX/XX/XXXX. XX/XX/19 XX/XX/19
Product: Debt collection

I have tried several times to get Sunrise Credit Services to verify this debt is mine. I have never received a verification letter as requested and have tried disputing the information with XXXX, with no luck.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is reporting in my credit file however it is inaccurate because it was said to be late, yet all the payments are OK. I do not think that this is mine. I did my research on what to do because it is affecting my scores to badly, I asked for documents, disclosure and where did the account come from but they failed to provide me, so I came online and researched. The plaintiff is asking the same thing that I wanted and at the end of it all the plaintiff won this case. I am talking about the Texas VS XXXX XXXX Case. I have learned that XXXX claims to have a disclosure and an agreement that there is a Consumer Agreement for all who they are collecting from. I guarantee you that there is no such thing that I have agreed upon to.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccuracies on my credit report related to identity theft and I'd like to emphasize that I am the one submitting this complaint and there is no third party involved.

. I submitted my initial dispute on XX/XX/XXXX, along with a Federal Trade Commission ( FTC ) Identity Theft Report and additional documentation supporting my claim. However, your agency has failed to meet its obligations under the Fair Credit Reporting Act ( FCRA ). Violations of the FCRA 1.Failure to Conduct a Reasonable Investigation ( 15 U.S.C. 1681i ( a ) ( 1 ) ) Under the FCRA, credit reporting agencies are required to conduct a reasonable investigation upon receiving a dispute. Despite providing a comprehensive FTC Identity Theft Report and detailed supporting evidence, I have not received confirmation of any substantive investigation into the disputed items.

2.Failure to Notify Me of Investigation Results ( 15 U.S.C. 1681i ( a ) ( 6 ) ) The FCRA mandates that consumers be notified of the results of an investigation within 30 days of submitting a dispute. To date, I have not received any such notification, nor have I been informed of the outcome of your review or the process by which my dispute was evaluated.

3.Failure to Block Inaccurate Information Promptly ( 15 U.S.C. 1681c-2 ) The FCRA requires credit reporting agencies to block information resulting from identity theft upon receipt of appropriate documentation, such as an FTC Identity Theft Report. This has not occurred in my case.

Precedent Cases Supporting My Position Your failure to comply with FCRA requirements is not only a violation of my rights but also exposes your agency to liability, as demonstrated in precedent cases : XXXX XXXX XXXX XXXX ( XXXX ) : This case emphasized that credit reporting agencies have a duty to conduct reasonable investigations beyond relying on the data provided by furnishers. 
XXXX XXXX XXXX XXXX ( XXXX ) : The Supreme Court upheld consumer rights in disputes related to credit reporting inaccuracies, reinforcing the accountability of credit bureaus under the FCRA.

Requested Resolution To resolve this matter, I demand the following actions : 1.Conduct a reasonable and thorough reinvestigation of the disputed accounts and transactions associated with my identity theft.

2.Provide a detailed written summary of your investigation, including the steps taken and evidence reviewed.

3.Immediately block or remove all inaccurate information resulting from the identity theft.

If this matter is not resolved promptly, I will have no choice but to escalate my complaint by filing with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and potentially pursuing legal remedies. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I have tried to link my Pnc account with my XXXX account and Pnc has not allowed that to happen & Ive tried for a month.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the fraudulent account listed on my credit report, which is negatively impacting my credit score. This account was opened fraudulently and does not belong to me. Despite previous attempts to rectify this issue, the account continues to be erroneously reported on my credit profile, causing significant harm to my financial standing. 

Upon discovering the unauthorized account, I immediately took action to dispute its validity with the respective creditors and reported the incident to the relevant authorities. Despite providing extensive documentation and evidence proving the fraudulent nature of the account, it remains unresolved and continues to detrimentally affect my creditworthiness. 

This inaccurate reporting not only tarnishes my credit history but also undermines my financial integrity. As a responsible consumer, I have diligently upheld my financial obligations, and it is unjust that my creditworthiness is compromised due to fraudulent activities beyond my control.
Product: Debt collection

Shellpoint must verify the letter dated XX/XX/2018 about the debt of {$310000.00} owned by XXXX
Product: Checking or savings account

On XX/XX/24 I attempted to transfer {$2300.00} out of my account. I was redirected to my app to confirm my identity. When I opened my app to confirm, it didnt proceed to the page where it asks if I was the person attempting the transfer so I reattempted the transfer again and it did the same thing. I was unable to transfer my money out of my account. From there I called to call Citi bank to see what was happening and they essentially asked me to call again on XX/XX/24. Which I did. Only to find out that they closed my account. For reasons, they couldnt explain. I went back and forth with them multiple times until they finally asked me to go to a physical location. Which I did and they were vague as well as to why they closed my account and were holding my money. The person I spoke to pretty much just said I attempted to withdraw XXXX from my account when I only had XXXX so I explained to him that those were likely the two attempts I made to pull my money out but wasnt able to because of an error within the app. Anyway, I received a letter the other day and theyre telling me theyre holding my money for 60 days. I need that money to pay for my day to day cost of living. The representative I spoke to on the phone went as far as telling me that it wasnt a guarantee that Id even get my money back. Its been a frustrating situation altogether and I hope to get my money back as soon as possible. Thank you.
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.

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 wrote TransUnion on XXXX XXXX to dispute an incorrect address on my TransUnion credit report and they seem to be ignoring me.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of certain accounts and inquiries that appear on my credit report as a result of identity theft, in accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). As a victim of a data breach, I have reason to believe these accounts and inquiries were made fraudulently and without my authorization. 
Accounts to Be Blocked and Deleted : XXXX. XXXX XXXX Account Number : XXXX Date : XX/XX/XXXX Amount : {$00.00} XXXX. XXXX Account Number : XXXX Date : XX/XX/XXXX Amount : {$00.00} XXXX XXXX XXXX Account Number : XXXX Date : XX/XX/XXXX Amount : {$810.00} XXXX. XXXX Account XXXX : XXXX Date : XX/XX/XXXX Amount : {$160.00} XXXX. XXXX Account XXXX : XXXX Date : XX/XX/XXXX Amount : {$1500.00} XXXXXXXX XXXX XXXX Account Number : XXXX Date : XX/XX/XXXX Amount : {$22000.00} Inquiries to Be Removed : XXXX. XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX Date : XX/XX/XXXX XXXXXXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX Date : XX/XX/XXXX XXXXXXXX XXXX Date : XX/XX/XXXX XXXXXXXX XXXX Date : XX/XX/XXXX
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. 

XXXX XXXX XXXX XXXX XXXX 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: Mortgage

The companies involved are XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  and Discover Home Loans. These companies have consistently charged me for FHA Mortgage Insurance over the course of my mortgage loan servicing that is different than the agreement we signed and the closing documents. They have ignored the loan closing documents and applied methods not specified anywhere my loan closing documents and in fact their methodology has resulted in FHA Insurance Premiums that are more than {$9000.00} higher than either amortization schedule ( provided shortly after closing ) or FHA Insurance Premium documents ( included in my loam closing documents ). I believe these overcharged fees are excessive, illegal and a violation of the mortgage loan closing agreement! 

XXXX XXXX  's response indicates that they do not care what the loan closing documents say. In fact, their response spelled out a method that was not mentioned or included in my loan documents. They refused to clarify why my loan documents said one thing, yet they consistently do something else every month when they charge my account! 

This mortgage loan was originated by Discover Home Loans in XXXX and sold the XXXX XXXX ( XX/XX/XXXX XXXX, who serviced it until XX/XX/XXXX. XXXX has been servicing this loan since XX/XX/XXXX.