23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Before I purchased my new home I had purchased my own homeowners insurance on the new property that I purchased. This was presented to the mortgage company and accepted. On top of my monthly payments each month theres a impound account that I pay approx 3,000 additional each month. Since the inception of my loan the mortgage company keep on placing lender placed insurance on my property and deducting funds without my consent from the escrow account. The money they are deducting is XXXX times what I pay for insurance and I dont and have never needed it since I have my own. I have called and emailed time after time and continuously get the run around. Finally they acknowledged to my mortgage broker that this was happening did a partial reimbursement, however they started debiting again 3 months later. I have all the emails to them, call log, and a email for them stating this would be fixed and it never was. I have waisted countless hours on this. On top of it they have the audacity to charge me late fees.
Product: Checking or savings account

On XXXX, a debit of {$490.00} was taken from my M & T Bank checking account. It was listed as " SUMMARIZED DEBITS ''. I did not authorize this transaction and I do not know from where it came. I immediately contacted M & T and canceled my debit card for that account. I filed a dispute report with the bank, the report number is XXXX. I asked where/from whom the charge came and the bank informed me they did not have that information and could see it only as I did - " SUMMARIZED DEBITS '' - and it was not a bank charge.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXX XXXX - XXXX - XX/XX/XXXX - {$580.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$240.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$480.00} XXXX  XXXX - XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX  - XXXX - XX/XX/XXXX - {$620.00} XXXX - XXXX - XX/XX/XXXX - {$710.00} XXXX - XXXX - XX/XX/XXXX - {$530.00} XXXX XXXX  - XXXX - XX/XX/XXXX - {$520.00} XXXX XXXX  - XXXX - XX/XX/XXXX - {$550.00} XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$12000.00} XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$450.00} XXXX  - XXXX - XX/XX/XXXX - {$450.00} XXXX  - XXXX - XX/XX/XXXX - {$2200.00} XXXX XXXX XXXX - XX/XX/XXXX - {$2100.00} XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$0.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - {$470.00} INQUIRIES : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Student loan

On XXXX XXXX, 2022, I called my student loan servicer, Higher Education Loan Authority of the State of Missouri ( MOHELA ), to request a refund for voluntary payments I made during the pandemic. During my first call, at XXXX XXXX, the automated customer service robot said it was " having trouble understanding me '' every time I indicated I wanted information about student loan forgiveness, despite entering my choice using my phone 's number pad. After three attempts, the company said it couldn't find my loan information and hung up on me. This call lasted 8 minutes, five of which was unskippable information that prevented me from accessing customer service help. 

I called back immediately, at XXXX XXXX, and this time I was able to get through that menu and was put on hold. I was informed my wait time would be 115 minutes, or 1 hour and 55 minutes. I waited about another hour, putting my on-hold time at a total of 3 hours. Nothing in that time indicated my place in line or if I'd even be able to speak to someone. At the 3-hour mark, I hung up because I needed to go to sleep.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may Concern ; I am a victim of Identity Theft. All the Information Below which is on my Credit does not Relate to any transactions that i have made. this is the result of identity theft. I did not authorize any of these Accounts. Please block this information From my credit Report, pursuant to section 605B of the fair Credit reporting Act.

Please send the required Notifications to all Furnishers of this information. 
Thank you
Product: Debt collection

I have been trying to resolve this issue since XXXX of 2020. However, The Best Service Company fails to respond to certified letters asking for Validation of alleged debt under FDCPA. Enclosed is a letter that was sent with no response back period. The amount currently being reported is {$420.00}. 

I have been subjected to emotional and physical damages. Under the FDCPA, I am awarded upto {$1000.00} per violation. I have maintained excellent records.
Product: Credit reporting, credit repair services, or other personal consumer reports

Going over my consumer report I have notice you are reporting XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX without my consent XXXX 

I demand these accounts to be removed from my consumer report. I did not give you written instruction to report anything on my report so this must be removed ASAP. 

Violation of 15 usc 1681b ( a ) ( 2 ) -Permissible Purpose of consumer report as it states " In general subject to subsection ( c ), any 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.

It is in fact that I am a consumer and did not give you any written permission to furnish these accounts on my consumer report.Which is my reasoning for you all to delete all accounts mentioned asap.
Product: Credit reporting or other personal consumer reports

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER XXXX XXXX XXXX XXXX XXXX XXXX STATES I HAVE THE RIGHT TO PRIVACY. XXXX XXXX XXXX XXXX XXXX XXXX XXXX. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX was removed from all 3 major credit bureaus because I have no knowledge of the debt that they are claiming that is for me. After being removed from my credit report the company requested that the information be reinserted. According to the fair credit reporting act, section 609 they are required by federal law to verify, through the physical verification of the original signed consumer contract, and all accounts posted to my credit report. They are reporting false information to my credit report.
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. 

Account Name : XXXX XXXXXXXX Account XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or a list of inquiries : 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: Money transfer, virtual currency, or money service

My falsely XXXX cousin received an insurance check due to his mother 's death in the amount of around {$1200.00} in XX/XX/2018. He forwarded me the endorsed check and a power of attorney document to cash the check and get him the funds. The check was written off of PNC Bank. I spent about three weeks trying to get the power of attorney wording corrected and filed with the Register of Deeds only to get one declination after the next. I had a US postal tracking number to show that the envelope was mailed from the prison itself. It was a good check, but PNC Bank would not cash their check. They did Not offer a check cashing fee as an alternative. My cousin and I have the same last name. PNC Bank offered no option to cash the check written off their bank. It had become a life and death situation, and they kindly expedited Legal review, but PNC XXXX declined the third draft of power of attorney. Their review process was averaging four days per  document review cycle. PNC Bank fails at customer service. My online review is at XXXX XXXX   XXXX? XXXX
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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name XXXX XXXX Account Number : XXXX and list of Inquiries. 

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, credit repair services, or other personal consumer reports

XXXX XXXX XXXX COLLECTION, XXXX XXXX, XXXX, EQUIFAX, XXXX, AND CREDIT REPORTING BUREAUS ARE ALL REPORTING FRAUDULENT CHECKING AND A CREDIT CARD IN MY GOOD NAME. 
I NEVER AUTHORIZED ANYONE TO OPEN THESE ACCOUNTS. 
I DON'T HAVE ANY KNOWLEDGE OF THESE ACCOUNTS REPORTING IN MY NAME. 
I HAVE DISPUTED WITH THESE COMPANIES WITH NO RESPONSE, AS WELL AS REPORTED THIS TO THE FEDERAL TRADE COMMISSION.
Product: Debt collection

I had a couple of accounts with XXXX XXXX. I entered an arrangement with XXXX XXXX XXXX to consolidate my bills and make one monthly payment. The accounts with XXXX XXXX were included as a part of that consolidation. XXXX has refused to acknowledge my requests to stop calling me at work ( I've told them repeatedly I can not take these types of calls at work ) and continues to call and threaten me at work. Recently, they started also calling my ex-husband about my debt. We've been divorced for over 30 years, so I have no idea how they even got his number. I don't even have his number! On XX/XX/XXXX, I emailed XXXX XXXX and asked them to only contact me through written communications - either email or physical mail. On XX/XX/XXXX, they called me at work and also called my ex husband and left him a message about my debt. Today, XX/XX/XXXX, they left a message on my ex-husband 's phone, which he recorded and sent to me via XXXX messenger. Transcribed, the message reads as follows : " My name is XXXX XXXX and I'm with XXXX XXXX. XXXX, I've been asked to reach out to with with one last attempt to try and resolve this matter that you do have here with our bank. I would really like to have an opportunity to speak with you about the options that you do have, and it would be my pleasure to assist you. I definitely want to stop the escalations that are now coming. But in order for me to assist you, I need you to give me the courtesy of returning my call TODAY. My number is XXXX. My direct extension is XXXX. This matter is time sensitive and it requires an immediate response today. Without your response, the bank is now ready to take necessary steps and resolve the matter legally. And just to be fair, I should also advise you that the call has been documented as my attempt to assist you voluntarily. My number is XXXX. My extension is XXXX. '' This exact same message including the mispronunciation ( axed for asked ) was also left on my work voice mail today while I was in a meeting. My ex also told me via XXXX messenger that he has received repeated phone calls from them and that he blocks all the numbers from which they call. I don't dispute that I owe money to XXXX, but they absolutely have no right to call me at work after I've told them I can't take calls like that at work and they have NO RIGHT to contact a man from whom I've been divorced since XXXX to try to collect this debt, especially when they have also been informed of my arrangements for debt consolidation.
Product: Debt collection

I looked at my credit report on XX/XX/year> and I noticed theirs an open account under collections for the amount of {$7800.00} by Diversified Adjusment based out of XXXX XXXX, MN XXXX. I am NOT liable for this debt with Diversified Adjusment. I do NOT have any contract with diversified Adjusment, Ive never conducted any business or ever been associated with them and they inaccurately reported this to my account. They have NOT sent any proof that this account belongs to me. I request that this be removed from all 3 of the credit bureaus immediately as this is a false report and its violating federal law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a XXXX  credit card on my credit. It was included in the bankruptcy from 2015. About six months ago the company switched it from bankruptcy and made it look like its an active collection with 17 lates!! I have NEVER been late. I have all of my bills on auto pay. I would like to have a corrected or removed. I have asked him three times now and have not gotten any help. I am trying to buy a home and this is the only account hurting that. Its very frustrating! Especially when Ive asked numerous times to have it corrected. Its like we have no voice against these companies reporting what they want. Flagstar is also reporting incorrectly and XXXX XXXX lates are incorrect. None of this was reporting like this until a few months ago. Its like someone went in and changed my credit purposely. All of my accounts went out of whack
Product: Debt collection

I received a copy of my credit report and found some mistakes that are incorrectly reporting on my credit report. I received my credit report, and it stated that I opened an account with National Credit Adjustment on XX/XX/XXXX. I never opened and account on that date. I never signed a contractual agreement with National Credit Adjustment for {$490.00}. It's showing up as delinquent on my credit report for creditor : XXXX XXXX. 

I called XXXX XXXX parent company XXXX XXXX on XX/XX/XXXX who shared with me that my account was recalled back to them on XXXX. In which National Credit Adjustment and XXXX XXXX never notified me of anything.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act, the following companies have violated my rights : Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C. 1681 section 602A states that I have the right to privacy 15 U.S.C. 1681 section 604A section 2 : It also states that a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1200.00}, {$0.00}, {$240.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNT 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1200.00} -This is not my account. 

-- AUTO ACCOUNT 2. XXXX XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- COLLECTION ACCOUNT 3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$240.00} -This is not my account.
Product: Debt collection

Diversified Consultants is reporting to the credit agencies that I owe {$1200.00} for an account with XXXX. I have never had XXXX, in fact I have been on my wife 's account with XXXX for over 20 years. Either send proof that this is mine, with a signed contract between myself and Diversified Consultants and one between myself and XXXX. I have never had XXXX and I want this to be taken off of my credit reports.
Product: Debt collection

I am filing a complaint against Transunion, XXXX, and XXXX due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Transunion, XXXX, and XXXX failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. My credit has been lowered so many different times this year and has had so much negative impact due to false debt or wrong debt and ive disputed countless of times and talked to every company and nothing changes. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements Regulation E. I have been harrassed and threatened several times a day These actions have caused significant inconvenience and financial loss, and i seek appropriate redress for these violations. 
There are auto loans active and one closed, credit card debt, and other debts and closed accounts on my credit that I dont even have information on and that i disputed due to the reasons listed in the disputes and Transunion XXXX XXXX XXXX and XXXX said they would help and they didnt do nothing its still the same and has been for years this is ridiculous.
Product: Credit reporting or other personal consumer reports

Company is reporting information that done not belong to me.
Product: Credit reporting or other personal consumer reports

We received your complaint. Thank you. 
We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. 
YOUR COMPLAINT Since the year of XXXX, my personal name, date of birth, addresses, phone numbers, and email have been leaked in multiple data breaches. Some companies include XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, and XXXX. Someone has continued to use my information to try to open up accounts in my name. I received my consumer report earlier this month and discovered some inaccuracies, unauthorized accounts, and inquiries reported to my consumer report. I know the recent findings by the Consumer Financial Protection Bureau ( CFPB ), highlight that XXXX has engaged in improper practices when handling consumer disputes. Specifically, the CFPB has alleged the following : 1. Failure to Properly Investigate Disputes : Conducting sham investigations that fail to adequately address consumer concerns, including using faulty intake procedures and failing to notify consumers about investigation results. 2. Reinsertion of Inaccurate Information : Allowing deleted inaccuracies to be reinserted on credit reports due to a lack of proper matching tools and safeguards. 3. Violation of the Fair Credit Reporting Act ( FCRA ) : Failing to adhere to federal requirements regarding dispute resolution and accuracy in consumer reports. As per these allegations, I am concerned that the inaccuracies on my credit file may have resulted from such practices. The disputed information includes showing proof that my personal information has been leaked and used for another persons gain, without my knowledge. 

Accounts : XXXXXXXX XXXX XXXXk Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX 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 Also , I only have one address that I reside at currently and the only place safe for me to receive mail please update the address to this address only : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

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

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX, GA XXXXXX/XX/XXXXXXXX Balance : -XX/XX/XXXXXXXX Balance : - XXXXXX/XX/XXXX XXXX Balance : {$9500.00} XXXX XXXX Balance : {$4100.00}XX/XX/XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I NEED TO FILE A COMPLIANT REGARDING INQUIRES AND AN ACCOUNT REPORTING ON MY CREDIT REPORT. I NEVER AUTHORIZED ANY OF THESE.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not my loan. This loan is XXXX XXXX 's loan.