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

on XX/XX/21 I mailed a dispute letter regarding inaccurate/unknown items on my consumer report. To this day I have not received a response. i feel my dispute has been ignored. 
Section 611 ( a ) plainly states that a fairly to investigate these items within 30 days gives a reason to immediately remove those items from my report. i demand these accounts be removed immediately or I will file for litigation due to the stress caused by inaccurate reporting. My info was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Product: Credit reporting or other personal consumer reports

I had two XXXX XXXX account and they closed my account due to fraud which i didnt understand i provided all documents that they asked for and they still didnt give me my account back. I paid off one card but owe the other card i want the closed account remove from my credit report because its hurting my score I had a capital one credit card that was closed as well due to non payment i settle for a certain amount paid it off but i want it remove from my credit report its also hurting my score
Product: Bank account or service

I have a checking account at JP Morgan Chase. I was surprised to learn that Chase does not honor the stated date on the check if presented to them for payment. Under the UCC, I should be able to give Chase notice of a postdated check and have them honor it without paying a fee. When I advised them of the postdated check, they told me they could n't accommodate my request. Help!
Product: Mortgage

I am filing this complaint on behalf of my mother who is the mortgagor/debtor with Nationstar Mortgage. Simply put, mortgagor is disputing a {$43000.00} charge against her account. Nationstar has unilaterally charged the account by taking 18 % of insurance proceeds, which totaled {$240000.00}. ( {$43000.00} = 18 % x XXXX ). Insurance proceeds were the result of a fatal fire that totally destroyed the home. 

Nationstar has explained that the charge is routine and that it paid a vendor to service the account and/or maintain the property. However, Nationstar has failed to produce documents, such as canceled check and invoice, to substantiate the charge ; nor did mortgagor ever receive proper notice of this charge. The {$43000.00} only came to light after mortgagor requested an accounting of the mortgage. 

As reflected in attached documents, mortgagor believes she is owed at least {$70000.00}, as opposed to {$26000.00} as asserted by Nationstar. Please help me in determining the validity of the charge and/or crediting the disputed amount back to mortgagor.
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 XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account XXXX : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX  Account XXXX : 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 Stat
es : 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 or other personal consumer reports

On XX/XX/2023, I submitted disputes to the credit bureaus about fraudulent accounts. Till date I still havent received any responses or updates to my credit report. 15 U.S. Code 168c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from alleged identity theft, no later than 4 business days after the date of receipt.

These accounts should not be furnished on my consumer report as they are in VIOLATION! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federally protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer, I am demanding the deletion of the accounts listed IMMEDIATELY.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is showing 24 missed payments from 2015. I first asked them why I was never notified of th miss payments by mail they said theyre not required too. Then I explained to them that I was enrolled in school and I sent over verification on serveal occasions. The late payments have never been removed from my credit report.
Product: Debt collection

AD Astra Recovery Services has damaged my credit and defamed my credit by doing the following : 1. Did not send me proper validation when I requested, proving that I owe the alleged debt and that they have a contractual obligation between myself and this company, proving that they have the right to collect on this alleged debt, on the behalf of the original creditor. 
2. They had violated my rights under the FDCPA 809 ( b ) : Collectors that have not validated your debt, but they still continue to report to the credit bureaus, which is punishable by up to {$1000.00} for each proven violation.
Product: Debt collection

I hired XXXX XXXX for cleaning my duct XXXX XXXX  ). 

1st issue- they supposed to cut the duct before the furnace & return duct instead they cut on the top of the XXXX XXXX XXXX XXXX ) which leads all freon leaks ( XXXXXXXX XXXX XXXX inside my home, they aware of the issue try to avoid informing me until I went down to check status of work. I noticed smokey & oil drips on floor then I found the issue but they try to hide from me. I didnt complaint to XXXX XXXX 

2nd issue because of freon leak etc., they didnt perform any work as per XXXX XXXX XXXX. Which I come to know when try to find contacts to make complaint regarding damage to XXXX XXXX. 

3rd I raise the complaints to XXXX for the work not performed properly also through XXXX reviews & XXXXXXXX XXXX, not for the damage to XXXX ( because I agreed XXXX $ for the damaged ) Yes, they provide me XXXX $ for damage which low but that time I am not aware of the replace price ( XXXX $ ) of the damage. But I agreed by mistake so I cant complain for the damage. 

Reason I want to dispute this because they didnt performed work as per XXXX XXXX standards & trying to cheat me with this service ( reason damage to my XXXX so they frustrated? ) I noticed not even my vent tape removed. How they able to clean vent ( duct ) Without removing duct tape? I emailed to all managements people but no response then I start contact my credit card company & dispute the amount. 1st dispute closed & then I reopen and provide all valid info then credit company refund the amount. 

Reason for dispute - I saw video in XXXX XXXX website how suppose to clean duct ( vent ) but nothing performed or followed such a way, thats the main reason I dispute with credit card company, and I hired different company to inspect the my duct ( vent ) and confirmed not cleaned & they confirmed - need duct cleaning service etc., I believe my dispute is valid and got cheat by XXXX XXXX in the name of duct ( vent ) clean. Dispute after my contact with management, XXXX XXXX XXXX XXXX contacts & review etc., Confidentiality Notice : The information contained in this e-mail and any attachments ( including, but not limited to, any attached e-mails ) may be legally privileged and confidential. If you are not an intended recipient, you are hereby notified that any dissemination, distribution or copying of this e-mail is strictly prohibited. If you have received this e-mail in error, please notify the sender and permanently delete the e-mail and any attachments immediately. You should not retain, copy or use this e-mail or any attachment for any purpose, nor disclose all or any part of the contents to any other person.
Product: Mortgage

My new home mortgage was sold to a different servicer and the new servicer changed the terms and/or conditions of my loan. This is illegal. The initial loan servicer, whom I initiated the loan with is XXXX XXXX XXXX. XXXX  XXXX XXXX and I agreed the amount going towards interest only payments each month would be {$850.00}. When the loan was purchased to be serviced by Wells Fargo, Wells Fargo changed the amount going towards interest only payments each month to be {$1000.00}. I did not agree to this change and this is illegal to do.
Product: Credit reporting or other personal consumer reports

There are companies I do not recognize running daily Inquiries EVERYDAY for more than 2 years whom I have not solicited nor given permission to do so, there are several misspellings of my Name, several inaccurate addresses, there is also the issue of the companies XXXX, Equifax, and XXXX XXXX furnishing information in my credit report to the public without my written permission.
Product: Credit reporting, credit repair services, or other personal consumer reports

Starting on XX/XX/2018 until XX/XX/2018 I have sent three letters to XXXX, Equifax and XXXX and ALL three have yet to provide me the information as requested. Here is a simplified sample letter in regards to my request. 

Per Federal reporting regulations and the MANDATED COMPLIANT Metro 2 format reporting standards of practice any and all items of adversary or derogatory nature must be certified as entirely true, accurate, complete, timely, of documented ownership, of undoubted responsibility, and documented testimonial certificate of compliance marking undeniable lawful standing of claim ( s ). Per law, any deficient of substantial and evident matters of fact ( s ) would be unethically reported and even illegally reported. My state and the federal laws alike agree that neither willful nor ignorant disregard is acceptable, so I demand here today, even RIGHT NOW, that the allegation in challenge be eradicated in full or else wise demonstrated in it's entirety to be compliant in every aspect of it's reporting. To retain much less report otherwise would be a vile misrepresentation and done so in unlawful and injurious infraction of mandated compliance laws. The currently unfounded and even not certified true or correct misinformation of which is misreporting is as follows and must be deleted immediately, so please do so without delay : Alleged Reporting Data Provider -- > Not Proven Compliant Account -- >
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted XXXX XXXX multiple times they have sold my account to an agency with an incorrect balance. XXXX XXXX is reporting on my credit as well with the correct balance. XXXX XXXX XXXX XXXX is reporting on my credit with a balance of {$3200.00} win the actual balance I had remaining with XXXX XXXX was {$1200.00}.
Product: Checking or savings account

I received a chain of emails starting at XXXX XXXX  while I was asleep from Bank of America to verify my email address to ensure that I receive all communications from the bank. Less than a minute later, another email was sent from Bank of America to inform me that I was enrolled in Online and Mobile Banking. And in a matter of 8 minutes interval two separate emails were sent sent from Bank of America informing that my online application for an Advantage SafeBalance Banking Account is in progress.Then the last two emails which were sent a few minutes later were to inform that the applications were approved and the new accounts were open. Considering that these events happened at night, I saw the emails in the morning and immediately contacted Bank of America to report the activities as fraudulent as I have not initiated any of them ; however the first customer service representative I spoke to was not diligent enough to transfer me to the correct department and advised that I didn't have any bank accounts open with Bank of America by verifying my SSN and other personal information. She also couldn't explain why I receive the emails and that didn't sit well with me so I decided to call again but this time instead of calling the main customer service number, I reached out to the fraud department which transfer me to the digital account opening department and the customer service rep was able to confirm that indeed two accounts were fraudulently opened with my identity. Subsequently I placed a freeze and fraud alerts on my credit report from all three credit bureaus and also XXXX. 
Five days later, the same thing happened again from Bank of America. Same chain of emails, email verification, online banking welcome email, application is in progress email and the final one : account is now open. I attempted to contact the bank but since it is Saturday the bank 's customer service is not available and the branch I visited was no help to do anything at all. 
I can not understand how after placing a fraud alert and security freeze on my financial information, Bank of America was able to open yet another fraudulent account with my identity. Better yet, in less than week I had already reported two fraudulent accounts to Bank of America. Who in their right mind opens three bank accounts in the same institutions in less than week time and the bank lets it happen without questioning any of it as fraudulent. Considering that I have note detected any other fraudulent activities with my identity, it leads me to believe that there is something shady happening with Bank of America to allow these fraudulent bank account opening activities to happen.
Product: Checking or savings account

On or about XX/XX/XXXX, XXXX disclosed a massive data breach in which I was personally affected by. Since then, I have suffered from identity theft. Comes, XXXX of XXXX, I applied for EDD ( Unemployment ), in which we were issued Bank of America debit cards. I realized their were fraudulent charges on my debit card. I notified bank of America immediately upon realizing the charges had occurred. I was issued a refund. I then received a notice that an investigation had taken place and their were NOT any fraudulent charges and that I would have to pay the amount of roughly {$1200.00} back. This was debited from my account. However, the charges were fraudulent and had a proper investigation been done they would have known that. Bank of America is also reporting an account that is NOT mine, and has someone else 's social security number attached to it. They were notified via XXXX, XXXX, XXXX, and XXXX XXXX XXXX XXXX XXXX XXXX. They have failed to respond, remedy the situation, or remove invalid accounts and defamatory information from my profile. This has severely impacted my business and my personal lines of credit, and day-to-day living. There is defamatory information being linked to my file which is stopping me from opening any bank accounts. I do not fraud people or companies. I work hard for everything. I have had my identity stolen and had to get an IP number with the IRS, suffered extensive damages, humiliation, credit denials and more for something that is inaccurately being reported. I have asked for full disclosure of contracts, I have asked for accounts payable/receivable, all 1099 's and all evidence to which I wasn't provided with any information that I asked for. 
Fraudulent charges related to Bank of America Account : XXXX ) XXXX {$0.00} XXXX ) XXXX {$4.00} XXXX ) XXXX {$56.00} XXXX ) XXXX {$51.00} XXXX ) XXXX {$3.00} XXXX ) XXXX {$3.00} XXXX ) XXXX {$14.00} XXXX ) XXXX {$3.00} XXXX ) XXXX {$51.00} XXXX ) XXXX {$55.00} XXXX ) XXXX {$71.00} XXXX ) XXXX {$14.00} XXXX ) XXXX {$1.00} XXXX ) XXXX {$56.00} XXXX ) XXXX {$55.00} XXXX ) XXXX {$1.00} XXXX ) XXXX {$59.00} XXXX ) XXXX {$23.00} XXXX ) XXXX {$0.00} XXXX ) XXXX {$0.00} XXXX ) XXXX {$3.00} XXXX ) XXXX {$3.00} XXXX ) XXXX {$1.00} XXXX ) XXXX {$3.00} XXXX ) XXXX {$100.00} XXXX ) XXXX {$14.00} XXXX ) XXXX {$0.00} XXXX ) XXXX {$24.00} XXXX ) XXXX {$3.00} XXXX ) XXXX {$1.00} XXXX ) XXXX {$56.00} XXXX ) XXXX {$55.00} XXXX ) XXXX {$3.00} XXXX ) XXXX {$1.00} XXXX ) XXXX {$59.00} XXXX ) XXXX {$0.00} XXXX ) XXXX {$23.00} XXXX ) XXXX {$3.00} XXXX ) XXXX {$3.00} XXXX ) XXXX {$5.00} XXXX ) XXXX {$3.00} XXXX ) XXXX {$3.00} XXXX ) XXXX {$3.00} XXXX ) XXXX {$0.00} XXXX ) XXXX {$32.00} XXXX ) XXXX {$14.00} XXXX ) XXXX {$55.00} XXXX ) XXXX {$1.00} XXXX ) XXXX {$56.00} XXXX ) XXXX {$1.00} XXXX ) XXXX {$59.00} XXXX ) XXXX {$0.00} XXXX ) XXXX {$23.00} XXXX ) XXXX {$10.00} XXXX ) XXXX {$11.00} XXXX ) XXXX {$0.00} XXXX ) XXXX {$27.00} XXXX ) XXXX {$11.00} XXXX ) XXXX {$9.00} XXXX ) XXXX {$0.00} XXXX ) XXXX {$23.00} XXXX ) XXXX {$1.00} XXXX ) XXXX {$59.00}
Product: Mortgage

Benchmark XXXX XXXX sent me an Escrow Shortage statement on XX/XX/XXXX that is incorrect and I have tried multiple times to get a response from Benchmark to no avail. 

Reason for the shortage they claim : - XXXX tax payments from escrow - County Tax Payment in XXXX - County Tax Payment in XXXX - City Tax Payment in XXXX - XXXX Adjusted payment dates from Benchmark - County Tax Payment in XXXX - County Tax Payment in XXXX - City Tax Payment in XXXX ( Tax bills do not even come out until XXXX ) Benchmark told me on a recorded line that they would review the taxes and have this review completed by XX/XX/XXXX. The review has not been completed and you can not talk to anyone besides a customer service representative that does not have any information. 

Benchmark is telling my I have to pay {$3000.00} by XX/XX/XXXX or my mortgage payment will increase by {$300.00} per month. 

The escrow shortage Benchmark is claiming, is incorrect due to them adjusting them moving up the tax payment dates. 

Benchmark XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 I submitted an " opt-out request '' request from XXXX not to share my public information. I am challenging the validity of the legal process in which this information was shared. I am asking the Experian credit Bureau to remove this item from my credit report due to the improper process used to post this public information.
Product: Mortgage

Dear CFPB : My loan number is XXXX and is presently with Ocwen Mortgage. 
Originally the mortgage was with GMAC mortgage, and the principal loan amount was {$280000.00}, initiated XX/XX/XXXX. 
I fell behind due to several reasons, mainly financial burdens and inability to make payments on time around XX/XX/XXXX/XX/XX/XXXX. 
I applied for a loan modification under the new Obama plan and got approved after XXXX months with a lower payment but with a huge increase in my principal amount owed. It went to {$360000.00} or so. I complained and requested details from GMAC, did not get any reasonable response except that they were due to consolidation of loan. 
The loan was then acquired by Ocwen ... was remodified after me paying around {$18000.00} total in cash to both Ocwen and GMAC. 
My principal is now almost {$440000.00}. I have approached on phone several times and have no reasonable explanation for the loan to go from {$280000.00} to the present {$430000.00} inspite of paying for the last XXXX years. 
CAN YOU PLEASE HELP. I am still behind because of these reasons and these practices of GMAC and Ocwen. 
XXXX XXXXAddress of property : XXXX XXXX XXXX, XXXX XXXX, XXXX USAThe property is lying idle, since I had to move for job purposes to XXXX. It gets rented often, but is now vacant. I would like CFPB to help. 
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX
Product: Credit card

An American Express card was opened in my name. Someone fraudulently charged {$15000.00} in transactions to this card.
Product: Debt collection

i never received any type of documentation from this company ever even when i disputed it via postal mail. They claim my account was in collections for the amount of {$380.00}.
Product: Debt collection

I called to have this debt removed from XXXX and XXXX they said they would remove it because i cant pay it off XXXX  deleted it but XXXX and XXXX keeps telling me they will remove it and havent yet dont know what else to do
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, This is my Third written request for Method of Verification. 
Your company has failed to provide me with this information that I requested in regards to the reporting status of an account. You continue to violate my consumer and civil rights. I have been maintaining accurate logs of my letters and will file a complaint with the CFPB and FTC. As you are aware, per FCRA and the FCBA, that all creditors must be compliant and accurate when reporting information. 
You have failed to comply in a timely matter and continue to violate my rights. How can I be sure that your reporting status of this account is accurate? What Method was used to determine the account status? How did you determine the status of this account? When did your company verify this account and where did your company find its source of verification? Why do you blatantly continue to ignore my requests for this method of verification? 
I demand the following unverified accounts be provided physical verification or deleted immediately. Please Provide Method Of Verification. These unverified accounts continue to hinder my ability to obtain credit. Please provide me with the information below : 1. 15 U.S. CODE 1681O - CIVIL LIABILITY FOR NEGLIGENT NONCOMPLIANCE XXXX XXXX  Account Number : XXXX Delete this account. 

2. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete this account. 

3. 15 U.S. CODE 1681Q - OBTAINING INFORMATION UNDER FALSE PRETENSES XXXX  XXXX  Account Number : XXXX Delete this account. 

4. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 

5. there is some inaccurate information reporting. 
XXXX XXXX XXXX  Account Number : XXXX Delete this account. 

6. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Account Number : XXXX Delete From My CREDIT REPORT 7. 15 U.S. CODE 1681O - CIVIL LIABILITY FOR NEGLIGENT NONCOMPLIANCE XXXX XXXX XXXX Account Number : XXXX Delete this account. 

8. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX Account Number : XXXX Delete From My CREDIT REPORT 9. 15 U.S. CODE 1681Q - OBTAINING INFORMATION UNDER FALSE PRETENSES XXXX  XXXX  Account Number : XXXX Delete this account. 

10. there is some inaccurate information reporting. 
XXXX XXXX  Account Number : XXXX Delete this account. 
11. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My personal information is incorrect with XXXX, XXXX, and XXXX. They all have inaccurate personal information on my credit report.