23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Upon acquiring my mortgage loan, SLS loan Servicing contacted me two months later stating my escrow account was short over XXXX dollars, and they would need to raise my payment in order to make up the difference. A representative on the phone told me it was law that SLS needed to have the surplus in escrow, which it is not. As a result my payment was raised for a year. 
Just today, XXXX/XXXX/2016, I received a letter of collection from SLS loan servicing stating they have no proof of homeowner 's hazard insurance. My policy renews automatically, and they stated in the letter they are billing me for the insurance they had to purchase for approximately XXXX dollars. I have had no lapse in coverage, yet their tactics allow them to claim they can purchase insurance and collect from me due to their disorganization. This is simply unethical, and fraudulent, as they have my homeowner 's policy information on file to very. Additionally, they never contacted me until now that they did not have new coverage info. According to their correspondence, I can update my information via their website, which is consistently down and unavailable.
Product: Debt collection

After reviewing my credit profile. I identified this inaccurate fraudulent account under Amerifinancial Solutions - original creditor : XXXX XXXXXXXX XXXX XXXXXXXX. I have not received any correspondence from the creditor to validate this account is correctly belonging to me, nor has my credit report been updated to reflect this account is disputed and therefore a 2nd validation letter was sent out on this day, After reviewing credit report again on XX/XX/2022 there has been no updates and account is still reflecting on my report. This account does not belong to me nor does the creditor have authorization to access the account nor authorization to attempt to collect on this account and the account continues to negatively affect me. 

At this time, I will also inform you that your offices have reported invalidated information to all 3 credit bureaus ( XXXX, XXXX, and XXXX ) this action will constitute fraud under both Federal and State laws. 

Due to this fact. If any negative mark is found on any of my credit reports by your company that you represent I will not hesitate in bringing LEGAL ACTIONS against you and your client for the following Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collections Act, and Defamation of Character. 

15 U.S.C. 1681 section 602A States I have the right to privacy 15 U.S.C. Section 604A Section 2 It also states a consumer reporting agency cant furnish a account without my written instructions 15 U.S.C. 1681c ( a ) ( 5 ) Section States no consumer reporting agency may make many consumer report containing of the following items of information Any other other adverse item of information other than records of convictions of crimes 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate In accordance with the Fair Credit Reporting act the List of account below has violated my federally protected consumer rights to privacy and confidentiality under USC 1681 . Account name : Amerifinancial Solutions - 15 U.S.C. 1681 section 602A States I have the right to privacy 15 U.S.C. Section 604A Section 2 It also states a consumer reporting agency cant furnish a account without my written instructions 15 U.S.C. 1681c ( a ) ( 5 ) Section States no consumer reporting agency may make many consumer report containing of the following items of information Any other other adverse item of information other than records of convictions of crimes antedates 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Vehicle loan or lease

Ally Financial/Auto repossessed my car on XX/XX/XXXX with no notice of intent to repo until XX/XX/XXXX. I contacted SEVERAL rude and uncooperative sales reps. They all had different stories and all claimed I had missed different months payments. I disputed the credit reports with 2 out of 3 agreeing with me. I have bank statements showing where I paid ahead of time on 3 separate occasions putting me 1 to 2 months ahead of time. When I was ahead and so skipped a month, then I was charged late fees and extra interest. The contract states I have a 15 day grace period to pay each month making payments due the XXXX to the XXXX but if I paid even 1 day after the XXXX, I was charged late fees. The company harassed me on 2 separate occasions so much making me believe I had missed a payment that I struggled on both occasions to make 2 payments the next month putting me in financial ruin. I had to put off other debts to pay Ally extra when I did not owe extra. The last payment I made including extra was applied completely to interest so I am told by an Ally rep. They sold my car and did not notify me of when or where the sale would be. I had no notification they were selling the car. Now they want an additional {$3600.00} and are reporting it past due as of XX/XX/XXXX when I didn't even know they had sold the car. Ally auto has put me in a downward spiral with my other creditors and ruined my credit report. It has been a nightmare dealing with them for the past 12 months. Attached Is all supporting information even bank reports showing 2 payments Ally is not even giving me credit for.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to Experian respectfully requesting XXXX deletion of the invalid item. After this not being done I second requested validation of the item and third how they " verified as that stated without any validation. I keep getting the same generic response. There are using their computer system to spit out responses instead of properly investigating and removing this erroneous item from my report. XXXX  processed a proper investigation and promptly removed the account from the report. I am requesting the above mentioned do the same. Neither can provide any information, signed documents, contacts, or judgment for this collection in question but have not removed this erroneous item from my account which is causing harm to me and my family. I have reached out to them on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XXXX which each of these requests have taken well over the 30-day window for responses as well from the amount of collection is {$4600.00}. The account number is shown in the attachments. Steps I have taken are shown in the attachments, please review!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX Account XXXX, XXXX XXXX XXXX Account 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 also states a consumer reporting agency can not furnish an account without my written instructions.15 U.S.C 1666B : a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Money transfer, virtual currency, or money service

Hi, I filed a complaint on XX/XX/XXXX, ID was XXXX. Then I received a reply from the complaints Administrator. He said he will reply the final response by XX/XX/XXXX. BUT I DID NOT RECEIVED ANYTHING UP TO TODAY ( XX/XX/23 ). I did a follow up by sending an email on XX/XX/XXXX and got a reply on XX/XX/XXXX saying that they were working on it. And I gave it a few more days. I just checked the status here, it stated XXXX. It is totally insane! 

Please help or guide. Should I report to a the local police.
Product: Credit reporting or other personal consumer reports

Despite my repeated efforts to address the fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The presence of these items has severely affected my life, causing considerable stress and anxiety. I must emphasize that I did not authorize or consent to the association of this information with my name, as I am a victim of identity theft.
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 168b permissible purposes of consumer reports. 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. 
ACCOUNT NAME XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. On a list of inquiries : 15 U.S.C. 1681 Section 602 A. States I have the right to privacy ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It states, a consumer reporting agency can not furnish account without my written instruction.

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. 

15 U.S.C. 1682c ( a ) ( 5 ) Section States : No, consumer reporting agency may make any customer report containing any of the following items or information any other adverse items of information, other than records of conviction of crimes, which antedates the report by more than seven years 15 U.S.C. 1681s-2 ( A ) ( 1 ) a person, so I'm not afraid of any information relating to a consumer to any consumer report agency if the person knows or has reasonable cause to believe that information is an accurate
Product: Debt collection

I was contacted by a company called or a person by the name of XXXX XXXX and she said she represented XXXX XXXX XXXX and then if I didnt make a payment she encourage me that if I didnt make a payment XXXX XXXX XXXX with the original creditor would be taking criminal action against me she specifically indicated that they are prepared to file a claim of breach theft and it would be a civil matter she said she represented XXXX XXXX XXXX however upon further review an additional communication XXXX XXXX XXXX was the original creditor but they are actually collecting for a new creditor they failed toProvide me with information about the current and creditor and they have refused to reverse the charges I advised him I needed additional time to review the matter and do some research because it was over three years ago and they have not provided me with a time in fact they have continued to make deductions to my bank account after I told them not to until I determine the validity of the claim I felt intimidated to agree to an initial deduction and then they continue deductions after I disputed the validity of the claim they refused to give me the current credit or they gave me the original creditorAnd they use tactics that I think were inappropriate for a creditor in an attempt to collect a debt so I would like to pursue this matter I will attach various items for your review and I would like this matter reviewed as soon as possible I want my funds returned that they deducted in XXXX also known as nickel city group has pursued me for funds and use inappropriate tactics to secure an agreement without allowing me the opportunity to fully discuss discover the validity of debt
Product: Money transfer, virtual currency, or money service

On XXXX i purchase items for {$70.00} and sent via XXXX through Chase Bank! It is a Fraud Scam on XXXX! She never sent items Never Responds and Wont Refund! She goes by XXXX XXXX on XXXX and had money sent to XXXX XXXX lives in XXXX XXXX Florida
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to the company to report the inaccuracies on my credit report but the company has not responded appropriately. 


XXXX XXXX XXXX XXXX {$2600.00} XXXX {$1400.00} XXXX XXXX XXXX {$1200.00} XXXX XXXX XXXX  {$460.00} XXXX XXXXXXXX {$510.00} XXXX XXXXXXXX {$370.00} XXXX XXXX XXXX XXXX XXXX {$160.00} XXXX XXXX XXXX {$450.00} XXXX XXXX XXXX {$6.00}
Product: Mortgage

I received a notification dated XX/XX/20 from Flagstar Bank that my homeowner hazard insurance had expired and that they would force place insurance unless I provided proof of insurance. 
Their statement is inaccurate as I have continuously had insurance from the origination of this loan through XXXXXXXX/XXXX. Further, the mortgage servicer has been paying the insurance premiums through escrow.
Product: Debt collection

I closed my XXXX  account and returned equipment XXXX said balance was paid. 

Now Sunrise debt agency says i owe them {$55.00} and it shows as a collection on my XXXX  report. 

XXXX makes it impossible to file a dispute without a membership
Product: Student loan

I was approved by the XXXX for XXXX XXXX discharging my student loan on XXXX/XXXX/2016. My loan is total {$29000.00}. According to Nelnet who sent me the correspondence asked me to review the student loans that they have on file and check with Navient who XXXX XXXX transferred the loans to them to make sure they have all the loans. I did contacted XXXX and spoke with a representative and was told Nelnet was given all of the loans which is {$29000.00}. Nelnet told me that they will communicate with me. I went on my account for Nelnet and saw another company I am not familiar with XXXX
Product: Debt collection

To whom it may concern I have been having grief with the same companies over and over. I have disputed these debts on numerous occasions and yes they are removed but they are later reinserted, sold to another debt collection agency, with no update on my credit report or proof that I am the owner of these debts from XXXX XXXX XXXX XXXX. They are damaging my credit and reputation substantially without any proof of original contract or signatures from me. The disputes are not even showing on my credit reports and I am aware that my reports should reflect that information. Nor have I received updates from my disputes or original time frame or contract from debt instead after the disputes these accounts are re-aging and that is completely illegal. Also following disputes it seems to me that they are reselling the accounts to someone else after showing removed and then opening again. In addition each time these inquiries are placed back on my credit report I have never received a 5 day reinsertion letter and if there is proof of such letter, please also send to my address. IF not this is yet another violation of thre FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), which states you are required to notify me in writing. I am asking for the last time for this agency furnish original contracts and proof and initial contract dates for all collection accounts they are claiming belongs to me. I will take further legal actions if these accounts are not removed. I have exhausted all my efforts with this company and the games they are playing or illegal. Please review all 3 credit reports to see the removals, re-insertions, and re-aging that is continually happening. I am really doing all I can to get my credit at a good standing but this is really impacting my credit. I was at XXXX and have received dramatic decreases.
Product: Credit reporting or other personal consumer reports

This is are fraudulent accounts. I ask the debt collector and the credit reporting agencies to provide a purchase agreement for the accounts and they could not provide the information.
Product: Debt collection

At no point, have I ever authorized any accounts with XXXX XXXX XXXX XXXX XXXX or their debt selling partner, Portfolio Recovery Associates. 

I have repeatedly requested a copy of the original agreement from XXXX XXXX XXXX XXXX XXXX, the ( alleged ) original creditor, as well as Portfolio Recovery Associates ( debt buyer ), proving that alleges that I am responsible for this account. XXXX 's admits that they do not have it on file, which makes me wonder how they could approve a debt sale to a debt buyer without proper legal authority. In this case, that debt buyer is Portfolio Recovery Associates ( PRA ).

PRA also claim they do not have the original authorized agreement either, BUT still have the right to report an amount of ( over ) {$4900.00}, the debt they allege is in my name. They only send copies of XXXX sheets with the status of this account since they acquired it and further refuse to offer the concrete proof that I asked for. 

I say again, at no point, did I authorize XXXX 's or anyone for that matter, to open an account in my name. I ( personally ) did not pay any amount on this account EVER and, obviously, did not sign/authorize the sale of any debts which were created fraudulently using my name/SS #. 

I WANT TO SEE THE ORIGINAL AGREEMENT FROM THE ORIGINAL CREDITOR, NOTHING ELSE! 

If PRA continue to provide false information to the credit reporting agencies, I am going to file a formal complaint to put this falsehood to bed once and for all.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was involved in an accident in the vehicle on XX/XX/XXXX. The vehicle was declared totaled by XXXX shortly thereafter. XXXX agreed to issue a payment of {$12000.00} toward the remaining balance on the loan, and I had gap insurance through XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX agreed to pay the remaining {$310.00}. The amount has been approved and the check has been sent to XXXX XXXX by XXXX XXXX XXXX XXXX per a phone call onXX/XX/XXXX ; however, because of the delay in payment by XXXX XXXX XXXX XXXX, XXXX XXXX has reported my account as being past due for 30 days to all three credit bureaus.
Product: Credit card or prepaid card

Recently my credit limit was lowered based on wrong information on my  XXXX   XXXX  credit report. My credit report has since been corrected and the reasoning for lowering my  credit score  is not valid.
Product: Money transfer, virtual currency, or money service

I am an XXXX, on XX/XX/2022 I paid for the sea delivery of potatoes from XXXX. Until now, my money is in the Bank of America ( hereinafter referred to as BOFA ) being checked for XXXX sanctions. 
On XX/XX/XXXX, I received a request to clarify the purpose of the payment, although I had previously specified it in detail. An invoice was also requested. 
I submitted the delivery documents, the money was not received. 
I canceled the payment, and still no money. 
I contacted BOFA, he told me to contact my bank. 
Sea transportation of potatoes is not subject to sanctions against XXXX, the delay in my payment with a detailed description of the destination is illegal. 
BOFA had active connections in XXXX with state banks, profited together with the XXXX  Government, and now actually also works for the XXXX regime by forcing XXXX not to deal with US dollars and switch to friendly currencies ( XXXX XXXX XXXX etc. ).
Product: Credit reporting or other personal consumer reports

I received XXXX XXXX report consumer ID XXXX. Info on there not mine banks I never had accounts with. Email addresses and phone numbers not mine. I was a victim of fraud and waiting for police to send me a copy of the report. XXXX identity theft send me an email and said my social security number is on the dark web. I never had a bank account with XXXX  XXXX XXXX or XXXX XXXX XXXX or Wells Fargo. Please advise. Thank you. 
XXXX XXXX
Product: Debt collection

Ive been being contacted since before early XX/XX/year> via phone number by a company called Portfolio Recovery Associates. They claim that I owe them money. I dont recognized this debt. I requested a Debt Confirmation Letter within 30 days and they didnt provide the letter.
Product: Credit card or prepaid card

In XXXX of 2015 I was laid off from my job. CitiCard made it very difficult to work with them on a financial hardship plan. Every time I would call the bank, their customer service representatives we're difficult to work with or inexperienced and not helpful. This resulted in getting late payments posted to my credit reports from XXXX 2015. I have had a clean payment history since. I would like for CitiCard to improve their support for members going through financial hardship and work with me on a goodwill adjustment of the late payments in 2015.
Product: Credit reporting, credit repair services, or other personal consumer reports

The lender, XXXX Mortgage erroneously submitted a delinquent account for the period of 180 days in XX/XX/XXXX of which the account holder/borrower was in forbearance due to hardship of pandemics. This adversely affect my ability to apply for a new loan to purchase a home. The loan was subsequently paid off when I sold the property last XX/XX/XXXX. 

I tried to call them for assistance but is unable to get a definite answer as how they going to fix the report in the credit bureau.
Product: Checking or savings account

On XX/XX/XXXX. 2021, I became a victim of Identity Theft. I became aware of it on the morning of XX/XX/XXXX when I was thankfully able to stop a fraudulent wire transfer from my XXXX savings account. I immediately called my other banking institution to alert them and to make sure my accounts are secure. 

I contacted Bank Of America and informed them of my situation. The representative assured that my accounts are safe and he noted my account. Later in the afternoon, I received an email indicating that a " XXXX XXXX '' was added as a recipient to my XXXX account w/BOFA. I immediately logged on BOFA and removed this person, since I do not know him nor did I add him and proceeded to call BOFA to report my account was hacked. While on the phone 2 unauthorized transfers XXXX/BOFA were done from my account to this person in the amount of {$1300.00} and {$2100.00}. I informed the representative that these are fraudulent activities and I did NOT authorize them- please note this was within minutes of the transactions going through my account. 

Within few days after reporting the fraud, BOFA informs me that they denied my claim and my money is gone. I submitted all kind of documentations proving that my XXXX account was hacked and I was the victim of fraud activities on this day with XXXX and one of my credit cards, I also filed a police report documenting the identify theft. BOFA indicated they will review the info and will get back to me in 60 BUSSINESS DAYS, in the meantime, they have my money and they refuse to do a temporary credit. This is not fair. BOFA mismanaged my money and now they won't take responsibility to fix it. 

Please note I had to fax my documentations to BOFA on 3 separate occasions and they claimed they never received it. Finally, I went to the bank and had them fax. I also spoke with the branch bank manager and he told me THERE IS NOTHING HE CAN DO!
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. XXXX XXXX XXXX