23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I purchased my house in XXXX XXXX. My monthly payment includes the principal, interest, mortgage insurance, homeowner insurance, and property tax. The homeowner insurance and the property tax payments are collected under the escrow account. My monthly monthly payment was initially around {$1300.00} including the everything. I recently learned that my monthly payment jumped to {$1900.00}. After several attempts, I learned that even though the mortgage company collected the property insurance from me on monthly bases, THEY NEVER PAID it to the insurance company. 
Now the mortgage company tells me that homeowner insurance from XXXX/XXXX/XXXX to XXXX/XXXX/XXXX is missing. And that they are charging me around {$5700.00} to cover the missing period without my consent. 
I paid my homeowner insurance payments in advance to the mortgage company. 
Mortgage company does n't pay it to the insurance company. 
Neither the insurance company nor the mortgage company informed me about the missing payments. 
I always assumed and more importantly paid for the homeowner insurance. 
Now, the mortgage company significantly increases my payments -that is XXXX % increase- ( from {$1300.00} to XXXX ) My concerns : 1- Why do I have to pay for the mortgage company 's mistake? Had they paid the insurance premium they collected from me on time or informed me that they could n't pay none of this would have happened. 
2- What is the logic behind purchasing insurance for the past time? 
3- Why is mortgage company charging me two -to- three times more than the regular insurance premuium even though it is clearly their fault? 
4- My biggest concern is that the mortgage company is either doing this on purpose of is not competent to collect escrow. This is not the first time they mismanaged my escrow. They previously charged me for flood insurance where the documents they provided me in closing clearly said there is no need for flood insurance. There was never any discussion on flood insurance, never purchase, but the mortgage company did charge for it for around two years ). When I noticed and told them about it they asked me to get proof from the county. In my experience, I suspect the mortgage company is either deliberately overcharging/abusing the escrow accounts or they are not competent. Either way, I think it should be investigated to see how many customers are in similar conditions as I am.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am not liable for this debt with XXXX XXXX  XXXX They have yet to provide me with the original application as requested. This is my third attempt to remove as this was not my account nor can the company provide proof. I demand that this " charge-off '' in the amount of {$300.00} be removed immediately. This has been ongoing since 2018.
Product: Credit card

After graduation from college, I got a XXXX to play XXXX in a junior college an opportunity opened up for me to play XXXX XXXX in XXXX and I took the opportunity and left and moved to XXXX to pursue a XXXX career. I was mainly living in XXXX during the following years : XXXX. After returning to the US I decided to apply for credit and I was given an auto loan but was also asked about other accounts on my credit. I first noticed then that my personal information had been used to open bank accounts for credit cards and even auto loans. Recently I was attempting to see if I could buy a house and got a hold of a credit profile and some accounts are reporting that I have never opened and have balances. 

XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Apple Card/GS Bank USA I am not sure how when or who may have or may be using my information and at this point, I need to alert the authorities so we can make sure the two accounts get resolved and removed from my credit profile. In addition, I need to please a security alert so that no one can continue to open accounts under my name and social security number.
Product: Debt collection

They did provide me with a contract, but it was fraudulent. The name of the company is Zion Debt Holdings. 
There are two parties involving the same debt. The first one is XXXX. I have given them information proving that these creditors are frauds, and they still will not remove this debt. The fraud creditor is surprisingly not going away when they know they have been exposed of their fraud practices of forgery and false contract. Here is the scenario : The Creditor name is Zion Debt Holdings. They recovered a debt from XXXX XXXX, which was a security company that I used when my business was opened. The business was resolved in XX/XX/XXXX. They claimed that they bought the business debt in XX/XX/XXXX. Ok, no problem. Since it is a business and not a personal liability, I ask for a contract showing that I personally guaranteed this debt. This is where the fraudulent activity showed up. First of all, I never guarantee a debt personally for a business. The business is an entity used to protect the consumer with taxes and legal shelters. So, this is why I requested a copy of the contract showing this. When I received the contract, there were 2 things that stuck out like a sore thumb. 1. The date read XX/XX/XXXX. That may have been when my business contracted with XXXX  for service but never guaranteed personally. So, this contract show that it was signed in XX/XX/XXXX. Here is why it is a fraud contract. I changed my name in XXXX. My name before the name change was XXXX XXXX XXXX. Now if I was going to sign any contract, I would have signed it under that name. So, on the document they listed it as XXXX XXXX XXXX XXXX and XXXX XXXX XXXX. And they signed it at the bottom as XXXX XXXX. And it is not my handwriting. This is the fraudulent activities surrounding this debt. I warned them and they have ignored my warning by continue to practice this fraudulent activity. And what is even more alarming I presented these facts with the name change to XXXX and they denied my dispute when the fraud is staring them in their face. So, I have included them in the violation of my rights in the FCRA and FDCPA. Please help me address this forgery.
Product: Bank account or service

PNC XXXX XXXX branch is billing me for a safe deposit box owned by my deceased mother. 
I am not the executor of the account and I was not one of the cosigners when she passed. 
They added my name to a document they sent to my local branch. Next to my name is the address of my brother, XXXX XXXX, who was the executor, POA, and cosigner for the XXXX. 
My signature is not anywhere on the documents they sent., nor is my address. 
They added my name to documents without my consent. 
XXXX XXXX is bank manager whom I consider negligent and did not perform due diligence with this account, Initially told me I needed to provide a death certificate, even though they had on their files that she was deceased
Product: Credit reporting

There are XXXX XXXX Accounts on my credit report, please note the acct numbers - This is Account XXXX Account Number XXXX 1. This account is Closed and has a CLOSED DATE 2. This account should say " PAID/CLOSED/XXXX BALANCE '', and not Current in its PAY STATUS 3. This account has incorrect Pay History. 
4. This account has incorrect Balance History 5. Please validate this account, and its Pay Status, History and Balance History
Product: Debt collection

I received an alert from my credit report that XXXX XXXX reported a collection that showed up on XX/XX/2018. 
It seems like Midland bought my debt from my former creditor but I was not made aware I have a new number and moved last year I contacted Midland once I found out I had that debt that knocked down my FICO score 40 points. 
I explained that I was not contacted due to the institution not having the correct information. I provided them updated information. 
I spoke to several people and I was unable to come to a resolution.
Product: Mortgage

NewRez ( Shellpoint loan servicing ) recently took over servicing my HELOC. I made a large principal payment XXXX weeks ago. They have taken the money but not applied it to my account. It shows in my account as unapplied and has for weeks. I've used their online communication tools with no response, I've called and was told they would handle it, and a week later, nothing has been done. I've talked to the mortgage brokers who reached out to them and were told it would be resolved in a day, and it still isn't. It's like no one works there. 

I would like to pay it off so no longer incur the interest until I need it but the customer support agent I spoke with said it would be best if I didn't until the current unapplied principal payment issue was resolved. Issue is at this point I have no faith they will resolve the issue after ignored messages and broken promises to both me and the services support team at the mortgage broker.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed i have fraudulent accounts on my credit report. Please remove theses accounts from my credit report, they ar hurting my ability to obtain credit.
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items that are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Pursuant 18 U.S.C. 8- I do not own any debt ; this company is violating my consumer rights to privacy. 


Account name XXXX XXXX Account number XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2018, several attempts were made to obtain credit through EXPERIAN and XXXX crecit reporting agencies by someone using my social security number and personal ID. Both credit applications were denied due to insufficient credit history. As a result, I filed a fraud ID theft report with the FTC # XXXX on XX/XX/2018. 

After reviewing my EXPERIAN credit report, I discovered that my 45 year credit line history was expunged with the exception of two closed account accounts.. As a result, no FICO credit score. 

After disputing the fraudulent credit applications to both Experian and XXXX, disputes were resolved, however, the EXPERIAN account still showed no credit line history and they were unable to assign a FICO score due to " Insufficient credit history ''. 

After four months of attempting to obtain a reason for Experian expunging my credit history, I was finally able to speak to an attendant who researched my issue. I was advised that perhaps I hadn't activated credit reporting avtivity. I confirmed with my banks, mortgage carrier, credit card companies, who all indicated they were continuing to forward my monthly account activity to EXPERIAN. Recently, and again after many futile attempts to resolve my problem, I was advised that a " computer error '' was the reason for my credit history not being properly recorded and that it would take some time to fix, no approximate time frame given. Please note that when I checked my Experian credit report in XX/XX/2018, there was another social security number attached to my account which was supposed to be removed by Experian after I disputed it. 

Please note that my current XXXX and XXXX credit accounts are up to date with FICO credit scores above 800.
Product: Consumer Loan

THERE ARE UNKNOW INQUIRES ON MY CREDIT REPORT THAT I DIDNT MAKE
Product: Checking or savings account

Wells Fargo bank has leaked my account details And someone has withdraw XX/XX/ {$880.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, I am permitted to have accurate and true information reflected in my credit report. To accomplish this, I have requested that my good pay history with XXXX XXXX be added as soon as possible. The account has been open since XXXX XXXX, 2014. The account number is # XXXX This account is a reporting subscriber to Transunion, and I have asked numerous times for it to be added to my credit file. 

I understand that, A consumers credit report should reflect completeness and accuracy within a reasonable time after notification by the consumer. I look forward to receiving an updated copy of my credit report reflecting this change.
Product: Mortgage

I gave recently refinanced my home using a VA loan. I closed escrow on XX/XX/2019. My old mortgage company " Home Point Financial '' has not refunded my escrow account and we are past the 30 day window. I have called multiple times and I have been told that a check has not been issued yet and that I need to be patient. My exact refund is unknown but I have been told by my loan officer that it is about {$4900.00}. I do not know how to move forward with this situation. I feel like I have been patient since we are on day 33 and I still have not received my money. Please help
Product: Credit card

I have a credit card with Chase Bank. I set up automatic payment of full balance online. However, on XXXX XXXX, 2015, Chase Bank only debited my checking account for the minimum payment instead of full payment. I found out the mistake on XXXX XXXX, 2015. I paid the balance off immediately and notified Chase bank the mistake. 

Chase bank has charged me {$14.00} interest for six days for {$1000.00} balance. I informed Chase that it was its mistake not debited full amount of balance. I had more than sufficient fund in my checking account, and I had no reason not to pay the full balance. Nonetheless, Chase has refused to refund the interest it charged me in XXXX, 2015 and continued to charge me interest in XXXX, 2015.
Product: Debt collection

I have received calls from a General Revenue Corporation on a debt they claim is owed by my partner. To date, they have called : * me * my mother * my father * my sister all on our personal cell phone numbers. None of these numbers have been provided as contact points, and there is no overlapping financial concerns that would associate us with this claimed debt. I called General Revenue in an attempt to obtain an address where I could send a registered " do not contact '' letter, and was directed to a separate XXXX number for their complaint department. I was told this department would be able to provide me with the information I requested. This number went to a voicemail box, and so far I have not received a call back. I called back to the original number, and was told the complaint department is the only place that can assist with this information I understand they are required to supply.
Product: Credit reporting, credit repair services, or other personal consumer reports

Listen EQUIFAX ... how many times do we have to continue to do this ... I have proven that I have been a victim of IDENTITY THEFT and have supplied all supporting documentation..so explain to me why this same account which was already deleted has found its way back onto my credit report! I have NEVER lived in XXXX, GEORGIA ... .I LIVE AT XXXX XXXX XXXX XXXX XXXX XXXX GEORIGA XXXX and have been there for 5 years, and prior to that I was at XXXX XXXX XXXX XXXX XXXX Georgia XXXX ... PLEASE ... .PLEASE ... PLEASE REMOVE THIS ACCOUNT IMMEDIATELY AND PERMANENTLY! 

XXXX XXXX XXXX # XXXX {$2000.00} THIS ACCOUNT IS FRAUDULENT, IT IS NOT MINE, IT DOES NOT BELONG TO ME, AND IT IS KILLING MY CREDIT RATING.
Product: Mortgage

My name is XXXX and I have been dealing with Roundpoint Mortgage for about 1 year to try to obtain a loan modification and have constantly gotten the run around. My loan has been transferred 3 different time to 3 different investors. Based on my income I know I do qualify for a modification If I was given the chance. I believe my lender has violated my homeowner bill of rights.
Product: Checking or savings account

Bank of America did blocked my business account with no reason, when I was to pay the buy of a car to a dealer. And block totally the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Date : On XX/XX/2017. Someone stole my information and applied for loans. Now i have 6 inquiries on my credit report. I never applied for, co-sign, or gave any of my information to XXXX, XXXX XXXX XXXX, XXXX XXXX, Exeter Fin, and XXXX XXXX. Please help my get these off my credit report.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Credit Report Information and Request for Blocking Under FCRA 605 ( b ) Dear CFPB Team : I am writing to formally dispute inaccurate information on my credit report and to request the immediate blocking of this information pursuant to FCRA 605 ( b ). This provision requires that inaccurate, fraudulent, or identity theft-related information be blocked from my credit file when supported by proper documentation. 

The specific account ( s ) in question include : XXXX XXXX XXXX : XXXX This information does not belong to me and appears to be the result of identity theft or an error in reporting. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to protections that safeguard my credit report from inaccurate or fraudulent entries. Specifically 1. FCRA 605 ( b ) : Blocking Information from Identity Theft * CRAs are required to block disputed information if a consumer provides : * A valid police report or identity theft affidavit, * Sufficient proof of identity, and * A clear statement identifying the disputed information.

* CRAs must block the information within four business days of receiving the required documentation.

2. FCRA 611 : Procedures for Resolving Disputes * This section mandates that CRAs investigate disputes within 30 days and delete unverifiable or inaccurate information.

3. FCRA 609 ( e ) : Requirements for Identity Theft Victims * Consumers are entitled to access the fraudulent account details upon request.

* I formally request the following : 1. The immediate blocking of the disputed information under FCRA 605 ( b ).

2. Confirmation in writing that the disputed information has been removed and will not reappear on my credit report.

3. A revised copy of my credit report reflecting these corrections.

Please note that failure to comply with the FCRA could result in penalties, including statutory damages, punitive damages, and attorneys fees. I trust that the CFPB will ensure my rights are upheld and that this matter will be resolved promptly.

Thank you for your prompt attention to this urgent matter.
Product: Credit reporting or other personal consumer reports

This credit reporting agency engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. A dispute was sent in XX/XX/ and they to do a proper investigation or acknowledge my dispute. More so they didn't follow the proper XXXX  step validation procedure which make this unfair practices. According to the FDCPA I'm entitled to XXXX dollars per violation and clearly they violated my rights.
Product: Credit reporting or other personal consumer reports

Suunova failed to install equipment to my request and failed to communicate how this issue would be resolved. I was in communication with a Sunnova specialist XXXX XXXX who helps resolve these types of matters unfortunately all communication stopped. one of my request was that I would not make any payments and they would not report anything negative to credit agencies. my many attempts at resolving this ended in failure like this project! I have numerous amounts of emails that state they would try to fix the issue and move the panels and the conduit to where it was specified. Sunnova should be held accountable for these actions by taking the necessary actions in resolving these kinds of disputes. They failed to communicate effectively and resolve the issue at hand after I made every attempt by calling, sending emails and keeping an open line of communication. They went to the extent to report every late payment and to report that it was a charge off after receiving payment in full on XX/XX/year>.
Product: Checking or savings account

Wells Fargo bank is once again playing games with the way that they charge overdraft fees. They used to allow items to come through their system and charge you 1 OD fee for all transactions. Now they have changed their algorithm and are charging one XXXX fee for each transaction. I recently was charged XXXX dollars for 3 items that came through. One year ago they allowed the largest dollar amounts to come through 1st and charged 1 XXXX fee. Now they let all the smaller items come through and the larger items after and then charge you XXXX for each item after
Product: Debt collection

My primary dwelling is currently in foreclosure and scheduled to be auctioned on XXXX. In the midst of this attempted theft, I requested my closing documents and it has been brought my attention that FRAUD has been committed. There are multiple signatures from people that were not present on the day of closing ; including a notary signature and seal. I also did not receive any of the proper disclosures during closing or anytime afterwards. My closing documents were not clear and conspicuous and I entered into an uninformed Consumer Credit Transaction without proper knowledge. Please be advised that XXXX XXXX XXXX XXXX XXXX XXXX XXXX and Lakeview Loan Servicing LLC have committed a federal crime. Lakeview Loan Servicing LLC has told the State of GA that they are my attorney and this is FALSE. I have NEVER spoken with anyone at this company nor given anyone in their employment permission to represent me in any legal compacity. LAKEVIEW LOAN SERVICING ARE NOT MY POWER OF ATTORNEY! XXXX XXXX and Lakeview Loan Servicing are attempting to steal my primary dwelling. They are severely impacting my livelihood and the livelihood of my dependents. They are infringing upon my constitutional rights as a natural person. They are attempting to steal my safe and private housing in the midst of a housing crisis. XXXX XXXX and Lakeview Loan Servicing has posted my private information on XXXX and ever since I have been harassed constantly via texts, emails, phone calls, and strangers showing up to my home. I fear for my life, well being, and the safety and security of my dependents. I have sent notices of dispute and my affidavit of truth to XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Lakeview Loan Servicing LLC, and XXXX XXXX XXXX XXXX XXXX XXXX  ; bringing to all of their attention the criminal act that has taken place to no avail. None of them have responded and my home is still currently listed for foreclosure.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters to XXXX, XXXX and TransUnion on XX/XX/2021 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 40 days and I have not received a response from anyone. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.