23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

-On XX/XX/XXXX I received an email from Freedom Mortgage notifying me that they had conducted an Annual Escrow Account Analysis for the first time since they had acquired my VA XXXX XXXX Mortgage Loan from my original server in XXXX of XXXX. Accessing that Escrow Account Disclosure Statement ( actually dated XX/XX/XXXX ), I learned to my chagrin that even though the year-end escrow account balance was only- {$220.00} ( and which was corrected with the next escrow payment 4 days later to + {$160.00} ), Freedom Mortgage insisted that Id had a Shortage in my escrow account of {$4100.00}, and that I would have to send them a check in that amount right away or passively accept an automatic 37 % increase in my monthly mortgage payments ( from {$1300.00} to {$1800.00} ) to cover their charges in a XXXX Shortage Spread. 

-The next morning I immediately called a Freedom Mortgage Customer Care Representative ( CCR ) as soon as they had opened ( XXXXXXXX XXXX ) and asked that they explain their justifications for claiming that Id had such a Shortage and that they could already alter my Account Page on their website to commence extracting the higher automatic mortgage payments from my checking account. I was told by XXXX different CCRs over XXXX serial telephone calls that the extra Shortage charges were being enacted in order to build an Escrow Cushion for Freedom Mortgage, and that there was nothing I could do about their analysis results or subsequent account management decisions. 

-When Id then asked during the second telephone call ( made at XXXX on XX/XX/XXXX as well ) to speak with a CCR supervisor, ( and after Id pointed out to her that their Projected Minimum Balance for my escrow account was actually THREE TIMES LARGER than the escrow cushion allowed by the Consumer Financial Protection Bureau-enforced restrictions of 12 CFR 1024.17 ( c ) [ Limits On Payments To Escrow Accounts ] ) she reported to me that she could offer me two other options to resolve this issue, those being : 1 ) She could arrange to spread the {$4100.00} charge over 60 months. 
or 2 ) I could change my status to Escrow Free and manage my own escrow account payouts directly, thus leaving Freedom Mortgage to bill me ONLY for the monthly Principal and Interest payments of my mortgage loan from then on! 

-After Id eagerly accepted the second option on the phone then, and after two Secure Message Center in-house emails and one Qualified Written Request sent by USPS Priority Mail later to reemphasize my desire to go Escrow Free from Freedom Mortgage BEFORE the first inflated automatic payment has been taken by them from me in less than XXXX weeks, Ive still received no answer either way.
Product: Debt collection

An account with Capital One was opened with a deposit of XXXX us dollars. The card only had a limit of XXXX which included my deposit that was in XXXX, It was passed on to XXXX dept. collection. On my credit report today they have it as the account was newly opened in XXXX. I have disputed it more than once and the dispute results that they agreed to take it off. They haven't and are still calling me for XXXX just this pass month
Product: Vehicle loan or lease

Purchased a car from Carvana on XX/XX/22 sell price $ XXXX tax $ XXXX $ XXXX payment {$2900.00} ( {$65000.00} amount financed ). I listed a handful of issues with car immediately and was told that they would fix it as it was under warranty. The biggest issue was the radio, to date my radio is not working properly ( popping and volume is very low ). 

I had a change in my personal life and looked to trade my car back to Carvana ( XX/XX/22 ) to purchase another vehicle from them, it was then that I learned that I was VERY upside down, I had {$24000.00} in negative equity in 4 months ' time. I took possession of my car on XX/XX/22 ). I did not trade in a vehicle, just simply bought a car. I now am stuck in a car that I really need to trade out of. My car payment is high and really need a lower car payment. I reviewed predatory auto loans and per definition, predatory lending is " any lending practice that imposes unfair and abusive loan terms on borrowers, including high-interest rates, high fees, and terms that strip the borrower of equity ''. " Predatory lenders often use deception to get borrowers to take out loans they can't afford ''. This is what happened to me, my interest rate was very high and when I asked about the interest rate, I was told that I could make 2 payments and refinance. In XXXX I asked about refinancing after I learned that I could not trade due to all the negative equity that was placed on my car, I was told " Oh we don't do that anymore ''. So, I am absolutely in XXXX  with this car. I really need help! No one should have {$24000.00} in negative equity in 4-5 months. I am being forced to keep a car that I can not afford. I do not have $ XXXX to give to a dealership to get out of this car. I have attempted to resolve this issue and Carvana has not assisted. I really need an intervention.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, IA XXXX Subject : Formal Complaint Regarding Inaccurate Late Payment Information on Credit Report Dear CFPB, I am writing to formally lodge a complaint regarding inaccurate late payment information reported by XXXX on my credit report. The late payments in question were marked on the following account ( s ) on the respective date ( s ) : LATE PAYMENT DAY : XXXX  Under 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ), it is my understanding that my consumer report should not contain information related solely to transactions or experiences between myself, the consumer, and the person or entity providing the report. The inclusion of late payments as part of my payment history negatively impacts my consumer report, and I believe this is in direct violation of the aforementioned statute. 
Additionally, I am requesting that XXXX  provide , in writing, the reasonable procedures it has adopted to ensure that each periodic statement is mailed to me no later than 21 days before the payment due date, as required under 15 USC 1666 ( b ). This should also include all information mandated by 15 USC 1637 ( b ). 
Per the Fair Credit Reporting Act ( FCRA ), you have 30 days from the receipt of this letter to provide me with the requested information. If the information is not provided within this timeframe, I will assume that you are unable to verify the accuracy of the late payments listed above, and I request that these late payments be removed from my account and consumer report with all relevant consumer reporting agencies, including but not limited to Equifax, XXXX, and XXXX. 
Please ensure that any corrections made to my account are forwarded to my address as listed below. I appreciate your prompt attention to this matter and expect a resolution that accurately reflects my account standing. 
Thank you for your time and consideration. I look forward to a positive response. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I requested for these companies to provide me proof of signature in black ink that I owe & agreed to pay the alleged debts. These companies failed to provide me any written contract for me to pay these debts. The companies have also violated HIPPA laws and my rights by collecting my medical information without my consent. I demand that they seize & remove these accounts from my credit reports immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im disputing factual data based on information from my credit monitoring service. The company in question is XXXX XXXX, it is the duty of the credit bureaus to report accurate & correct information XXXX : The account type is blank & date last paid is inconsistent with the data against Transunion & XXXX. Its also showing blank information for the account type for the but the other XXXX bureaus have information, in addition the credit limit is blank. This needs to be deleted XXXX : There is no high credit balance listed on the report but there is XXXX with the other XXXX bureaus. Please delete as this is incomplete & inconsistent with whats being reported Transunion : The date that the account was opened doesnt match the other XXXX reporting bureaus. Please delete
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion Is reporting a debt that original creditor sold to a debt collector. Balance is also incorrect as I have proven documents proven that debt is lower than showed amount on my credit report.
Product: Credit reporting or other personal consumer reports

I asked them for the following information and all three credit bureaus ignored my request. They also are in violation because they did not respond in 15 days per or at all see FCRA sections below.

1681 U S C i ( 7 ) Method of verification-DESCRIPTION OF REINVESTIGATION PROCEDURE for each account disputed.

15 U.S.C. 1681i ( 7 ) of the Fair Credit Reporting Act ( FCRA ) states that a consumer reporting agency ( CRA ) must provide a consumer with a description of the reinvestigation procedure within 15 days of receiving the consumer 's request I asked them for the following information and all three credit bureaus ignored my request. They also are in violation because I did not receive proof of my signature they should have on file regarding PERMISSIBLE PURPOSES according to FCRA see request below.

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 instructions of the consumer to whom it relates.

15 U.S. Code 1681b - Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report.

Please send the following information used or validate the items below and show where I gave written permission to be on y credit report in the first place, otherwise delete from my credit report immediately or I will seek monetary damages.

Please read and comply to my request or delete accounts I am disputing. 

XXXX, Experian, and XXXX are reporting different Date Opened, Balance, High Credit, Credit Limit, Past Due, Payment Status, Last Reported, Date Last Active, Date of Last Payment, and two-year history for the same accounts. 

INACCURATE REPORTING/ DISPUTES XXXX XXXX XXXX XXXXXXXX This account is being reported inaccurately, please remove this from my credit report immediately. 

XXXX XXXX XXXXXXXX This account is being reported inaccurately, please remove this from my credit report immediately. 

XXXX XXXX XXXX XXXXXXXX This account is being reported inaccurately, please remove this from my credit report immediately. 

XXXX XXXX XXXX This account is being reported inaccurately, please remove this from my credit report immediately.
Product: Debt collection

On XX/XX/XXXX, I contacted XXXX XXXX on my cell phone after she made threatening calls to my house, and by calling my mother. The number called for XXXX XXXX with XXXX XXXX  XXXX XXXX XXXX XXXX is XXXX. XXXX XXXX stated she was collecting a debt for HSBC Card Services for the settlement amount of {$500.00}. The amount was paid on XX/XX/XXXX with a fee charge of {$10.00} to charge my husband 's credit card for the payment. Another number that called me was XXXX same person XXXX XXXX allegedly with the same company. After I received via my personal email a confirmation letter to state this debt was paid in full I still received calls from other companies stating I owe a debt to XXXX. The multiple dates range from XXXX-current XX/XX/XXXX. The main one is XXXX  XXXX XXXX calling from various numbers each time : XXXX, XXXX, XXXX, XXXX, XXXX XXXX form XXXX ext. XXXX, XXXX XXXX XXXX. In addition, the company XXXX XXXX called reporting a different amount owed to HSBC on XX/XX/XXXX the person 's name is XXXX XXXX at XXXX ext. XXXX. Another agency is called XXXX XXXX XXXX which they did mail there letter however, the original debt was from XXXX and their number is XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

{$5600.00} XXXX XXXX keeps dinging my credit for a car that has been totaled out. Vehicle has no use and not in possession of it. I have already provided information to dealership to speak with insurance to resolve this issue, also have spoken to numerous people who said vehicle also had gap coverage and Im not obligated to any further payments on vehicle.
Product: Debt collection

I have fallen behind on my credit card payments due to unforeseen circumstances, I have relayed this information to the company yet they continue to call me 2-3 times daily including Saturday and Sunday. I have the phone records to prove it.
Product: Credit reporting or other personal consumer reports

XXXX  XXXX put and old account that was included in a XXXX XXXX XXXX bankruptcy on my transunion credit report. I contacted them several time XXXX time they could not find the account however they are reporting it every month. The second time I contacted them they found only an old account however they reported that it was open in XXXX Please help
Product: Credit reporting, credit repair services, or other personal consumer reports

FRAUD, INCORRECT REPORTING.
Product: Credit reporting or other personal consumer reports

I got denied my rights to obtain credit! The company based its decision from XXXX!
Product: Checking or savings account

I started treatment with XXXX XXXX XXXX ( XXXX ) in XX/XX/XXXX to fix XXXX  with my XXXX. I paid the deposit ( {$250.00} ) to start on XX/XX/XXXX, and received all XXXX  of my XXXX  XXXX  on XX/XX/XXXX. They told me I would be done with treatment on XX/XX/XXXX. I was making monthly payments of {$78.00} with XXXX lender, XXXX XXXX XXXX XXXX. All was going well with the treatment, until I got to XXXX  number XXXX. They were made incorrectly and did not fit my XXXX. I reached out to XXXX customer service, did a video chat with the heath care consultant and they confirmed the XXXX  werent made correctly and they would send a replacement set. This was in mid XXXX. I had to wait XXXX XXXX  before I received this new XXXX  and set XXXX, so my treatment time was pushed back to conclude XXXX XXXX. The consultant I spoke with told me I should have no problems with the rest of my XXXX, but if I did to reach out. I wore set XXXX for XXXX XXXX  like I was supposed to, and wore set XXXX for XXXX XXXX like I was supposed to. When it was time for me to switch to XXXX  XXXX on XX/XX/XXXX, they didnt fit. I called customer service again, we did a video call and they confirmed yet again that the XXXX  was made incorrectly. They asked if I could try on XXXX  XXXX, I did and that also didnt fit. They told me I could either wait another XXXX weeks to get new sets, or just cancel my service for a refund all together, since this was the XXXX  time I was having this same issue. I told them I didnt want to wait that long because my treatment was already delayed XXXX XXXX, and I didnt want it to be set back another month. They said theyd still send me new XXXX anyway, but they would put in the request for cancellation. I got an email on XX/XX/XXXX that the new XXXX  would be shipped, and then got another email XX/XX/XXXX stating they received my request for cancellation and that someone would reach out within XXXX business days for next steps.About XXXX hours later, on the XXXX XXXX announced they shut down all operations effective immediately. I was preparing to go out of the country so I filed a dispute with Wells Fargo on XX/XX/XXXX for the deposit, and XXXX of monthly payments ( XXXX, XXXX, XXXX ). They denied my claim so Im trying to figure out what my next steps are. I want my money back, so that I can begin treatment with XXXX. Even if I wanted to continue treatment since I have all of my XXXX, I couldnt since the next XXXX sets I needed do not fit. XXXX  are worn in a sequential order so if the ones up next dont fit, the ones after surly wont either, since my XXXX  are moving. With that being said, the XXXX with my XXXX  still hasnt been addressed and corrected, which is what I was paying XXXX for, and Im not satisfied. I was told that I could get a refund but because the company shut down, that never happened. Dispute receiving an email saying my new XXXX  were on the way on XX/XX/XXXX, I never received them.
Product: Debt collection

XXXX XXXX Stated that they reached out to me in regards to my credit card was sent to collections without my knowledge. The amount due is {$1500.00}. There were fraudulent charges on my card and the fraud department expressed to me that the funds would be put back on the card for me to utilize. The card is in collections and they stated that they contacted me but I never received a call concerning this. They have been extremely unhelpful and unprofessional in my attempt to get a better understanding. Furthermore, they lied the last time I reported XXXX XXXX XXXX. I reached out to the President 's Office several times and got no correspondence back via telephone. I would like them to stop the late payment charge so that I can pay it off due to there negligence in staying in contact with me regarding the collection status of the credit card.
Product: Debt collection

This account is not mine I ask this company to send contracts and documents with my signature on it and they can't provide. I also ask for date they purchased debt, How much they purchase the debt for and all sign documents with my signature also there license to collect this debt and they can't provide me. This is a violation to my consumer rights also a violation of law and illegal.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXXXX/XX/XXXX
Product: Debt collection

I received a payday loan from XXXX, the loan isn't even due until tomorrow and I've already gotten 7 " courtesy '' calls in the last 2 days about when it's due. That's enough, seriously.
Product: Credit reporting or other personal consumer reports

I been victim of identity theft and I try to let the credit bureau know the sum of this cards are no mine they were open and close I never knew about it and I never couldn't even use it they've been open and close without my authorization I tried to explain this to the credit agency but they say that information is correct one of these car is XXXX XXXXXXXX XXXX  and the other one XXXX XXXXXXXX both they say that is a secure card but I never open or I never knew that it was open
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. 

XXXX # XXXX - Balance : {$XXXX} Unauthorized Inquiries 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Mortgage

To whom  it may concern, I have requested a loan modification from Wells Fargo, they are reviewing me for a loan modification. I have provided 6 we eks paystubs, showed proof of occupancy and now they are asking me to provide a last pay check from companies that I had worked in  XXXX   2017 , even though I have a new job that started  XXXX / XXXX /   17  and provided paystubs.   XXXX  I have asked my old company, but have not heard anything yet. I 'm concern, because what I made last year or a few months ago should not be considered in my request for a modification. I believe that they are trying to ask me for something that they have not asked others for.   XXXX  I have spent a lot of money jumping through their hoops and lost plenty of sleep. The only reason they stopped the sale of my home was because I finally spoke to someone in their office that was very helpful. I over knighted a package to their office, but they could not find the documents or the person who signed for them.   XXXX  Thank you
Product: Credit reporting or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The ITEMS I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX, IL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX ; XXXX XXXX XXXX XXXX XXXX, IL XXXX ; XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX ; XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$650.00} ; XXXX  XXXX Balance : {$680.00} ; XXXX XX/XX/2021.
Product: Debt collection

I am writing to formally dispute and request the removal of a fraudulent secured credit card account from my credit report. The account in question was opened at Citi Bank on XX/XX/year>. This secured card, originally with a limit of {$500.00}, was fraudulently used and incurred a negative balance of {$3200.00} before being closed on XX/XX/year> leaving a total balance of {$4000.00} I wish to state unequivocally that I had no knowledge of this account and did not authorize its opening or any transactions associated with it. Despite contacting all three major credit bureaus ( XXXX, XXXX, and XXXX ) to report this fraudulent activity and request the removal of the account from my credit report, I have received no resolution. Additionally, my attempts to resolve this matter directly with Citi Bank have been unsuccessful, as they continue to hold me responsible for the fraudulent charges. 

Given that this account was opened and used fraudulently, I request the immediate removal of this account and all associated negative marks from my credit report. Enclosed with this letter are copies of my correspondence with the credit bureaus and Citi Bank, as well as any other relevant documentation that supports my claim. 

Thank you for your prompt attention to this serious matter. I look forward to a swift resolution and the correction of my credit report