23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX XXXX I RECEIVED A LETTER FROM XXXX XXXX XXXX COMPANY CLAIMING I WAS INVOLVED IN A HIT AND RUN ACCIDENT ON XXXX ACCORDING TO THE LETTER A POLICE REPORT WAS FILED. I SPOKE TO THE AGENT THAT SENT THE LETTER AND THE AGENT STATED IT WAS A LETTER THAT THE POLICY HOLDER FILED A CLAIM STATING THAT A PEDESTRIAN WITNESSED THE HIT AND RUN AND GAVE MY LICENSED PLATE I ASKED SPECIFICALLY DESCRIPTION OF THE CAR AS THERE ARE XXXX CARS REGISTERED UNDER MY NAME, AGENT STATED PER THE INSURED A WHITE PATHFINDER I TOLD THE AGENT THAT NONE OF MY CARS MATCH WITH THE DESCRIPTION THAT WAS GIVEN THE AGENT INSISTED THAT MY CAR WAS INVOLVED IN THE ACCIDENT HIT AND RUN I TOLD THE AGENT THAT MY CAR DOESNT SHOWS NO SIGN THAT IT WAS INVOLVED IN ANY ACCIDENT THAT DAY AND TIME, AND THAT WAS A MISTAKE THT SOMEONE GAVE MY PLATE LICENSE NUMBER THATS ALL AND MY CAR WAS A NONOPERATION VEHICLE FROM XXXX to XXXX FOR SMOKE INSPECTION RENEWAL REGISTRATION. THIS IS A FALSE REPORT INFORMATION GIVEN, FRAUD INSURANCE THAT MUST BE REPORTED. THE AGENT THAT HARRASING ME WITH SEVERAL LETTERS, AND ACCUSSING ME WITH FALSE INFORMATION, NO INVESTIGATION WASNT MADE CORRECTLY TO FIND THE PERSON RESPONSIBLE FOR THIS HIT AND RUN ACCIDENT, JUST BASED ON A PEDESTRIAN THAT WITNESSED AND GAVE LICENSE PLATE THAT MATCH XXXX OF MY VEHICLE, WRONG INFORMATION AND OBVIOUSLY FALSE DOCUMENTATION INVOLVING ME IN AN ACCIDENT XXXX CARS XXXX, THAT SOUNDS MORE LIKE FRAUD INSURANCE THAN ANYTHING ELSE, DONT YOU THINK IF WAS REPORTED TO POLICE THEY WILL BE SENDING ME A LETTER, OR SEND SOMEONE TO CHECK MU VEHICLE I AM VERY RESPONSABLE PERSON I DEFINITELY WOULD 'VE STOPPED IF I KNOW I HIT SOMEONE, I FILED A COMPLAINT TO FTC FOR FALSE REPORT AND INSURANCE FRAUD. BUT I RECEIVED ANOTHER LETTER NOW FROM NATIONAL COMMERCIAL SERVICES CREDITORS COLLECTION AGENCY FOR A SETTLEMENT OFFER AMOUNT OF {$4400.00} FROM SAME XXXX INSURANCE TO BE NEGOTIATED XXXX I DONT OWE ANY MONEY, I DO N'T THINK THATS RIGHT, TO BE HARRASING ME, ESPECIALLY WHEN I TOLD THE XXXX INSURANCE COMPANY BACK IN XXXX THAT I HAVE NOTHING TO DO WITH THAT ACCIDENT.
Product: Credit reporting, credit repair services, or other personal consumer reports

Weltman has repeatedly contacted me regarding this loan account and subsequently reported me as in collections to all of the major credit bureaus. I do not have any responsibility for the debt that Weltman/XXXX is trying to collect and I dispute its validity. Weltman/XXXX XXXX ( loan originator ) provided a promissory note that dictates that default occurs once the " Borrower does not make any payment before or on the date it is due - according to their documentation the loan in question defaulted in late 2010. As the promissory cites Pennsylvania as its governing law, which has a 4-year statute of limitation on debt, this loan is unenforceable and Weltman has engaged in unfair collection practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several addresses on my credit report that I have never lived at. I need to make sure no one is applying for anything in my name at these incorrect addresses : Please REMOVE THE FOLLOWING : XXXX XXXX XXXX XXXX OH, XXXX, XXXX XXXX XXXX XXXX XXXX OH, XXXX, XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX OH, XXXX, XXXX XXXX XXXX XXXX XXXX OH, XXXX, XXXX XXXX XXXX XXXX XXXX OH, XXXX, XXXX XXXX XXXX XXXX XXXX OH, XXXX, XXXX XXXX XXXX XXXX OH, XXXX, XXXX XXXX XXXX XXXX OH, XXXX, XXXX XXXX XXXX XXXX OH, XXXX, XXXXXXXX XXXX XXXX XXXXXXXX OH, XXXX, XXXX XXXX XXXX XXXX OH, XXXX, XXXX XXXX XXXX XXXX OH, XXXX, XXXX XXXX XXXX XXXX OH, XXXX
Product: Mortgage

My wife and I have owned and resided in our home in XXXX since XX/XX/XXXX. In XX/XX/XXXX, we suffered damage to our home as a result of Hurricane Harvey. This damage included approximately a foot of water inside our home, which ultimately forced to remove sheetrock and flooring from our first floor. In addition, all of the lower cabinetry and the island in our kitchen had to be torn out as a result of floodwater damage. 

In late XX/XX/XXXX, we notified SWBC of the flood damage to our property. It was at this time that a XXXX representative offered us a mortgage forbearance lasting XXXX months. Since we had previously paid our mortgage for XXXX and XX/XX/XXXX, the three-month forbearance period covered the months of XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. The XXXX representative explicitly told us that we would pay for these XXXX months at the end of the mortgage period, and not all together at the end of the forbearance period. 

In XX/XX/XXXX, my wife called XXXX to inquire about our forbearance status. At the time, she informed XXXX that she had been laid off that month. She was then told by XXXX that we could extend the forbearance until XX/XX/XXXX. With her job loss and our need to make home repairs, we took the opportunity that was presented. During her conversations with XXXX representatives, she asked if the terms of the forbearance as they were presented to us in XXXX had changed, and she was told in no uncertain terms that they had not. 

Unfortunately, the information we were given turned out to be erroneous. As a result, we are now in danger of foreclosure despite our continuing attempts to resolve our status. Prior to Harvey, we had been homeowners in good standing who paid our mortgage on time. We think it is relevant to point out that one of the homeowners, who has been gainfully employed prior to and throughout the period in question, began a new job in XX/XX/XXXX in which he grosses an additional {$7000.00} a year. Moreover, the other homeowner has received unemployment for the past several months. We believe this information demonstrates both our ability and willingness to be consistent mortgage payers. 

Currently, we are in arrears as a direct result of the information several XXXX representatives provided us regarding our forbearance situation. In addition, we've been given several contradictory versions of our status each time we tried to contact XXXX to resolve the issue. As you can imagine, this has resulted in a greatly frustrating and stressful experience for us, one that could've been avoided if XXXX demonstrated any degree of basic competence and organization.
Product: Credit reporting

I have provided proof to Experian that a debt needs to be removed off of my report and they keep referring me back to the collections agency. The collections agency is telling me that it is in Experian 's hands. Today and Experian supervisor hung up on me, that is not customer service and I want this address immediately.
Product: Mortgage

In XXXX XXXX I was informed my new mortgage payment would be {$1600.00}. I was struggling to pay it I asked why was it so high I was told because the property taxes and insurance had went up. Upon further investigation, I found out the property tax was not correct and the lender told me that will not be changed until XXXX when they do their audit. Around early XXXX I spoke with the lender again and explain my dilemma with making the payments and the lender told me the best option they could offer is a temporary loan modification that will last XXXX and that will lower the payments until XXXX for the audit to make adjustments with the property taxes. The lender said I needed to make a payment first to initiate the temporary loan modification, I made a payment of {$1700.00} in XXXX. Then I agreed to a temporary loan modification to begin XXXX XXXXXXXX XXXX. I was told to make XXXX payments each month of {$1200.00}. I made payments of {$1200.00} XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. There was a problem with the XXXX payment my bank said the payment was returned. I called the lender to verify. The lender said they never received the payment and didnt see any return payments in the system but they will try to pull payments multiple times. On XX/XX/XXXX, the payment went through and was processed. I spoke to the lender early XXXX and was informed that my loan modification was approved and my next payment will not be due until XX/XX/XXXX the new amount was {$1200.00} and that is my new mortgage payment. I asked about the XXXX payment and was told the XXXX payment will be Placed into the principle of the existing loan since the modification was approved. Later around the second week of XXXX I received multiple calls stating I am delinquent in payments and that if I do not make a payment of {$1200.00} the loan modification will be void and that I also need to make the approved loan modified payment that was to start XX/XX/XXXX of {$1200.00}. I made the {$1200.00} payment XX/XX/XXXX. The lender is stating that even though they see I made XXXX payments for XXXX XXXX and XXXX theyre saying I made XXXX payments and XXXX was returned. I told the lender I never approved XXXX payments to be made the agreement was for XXXX the lender said when I called in XXXX to inquire about a returned payment that initiated a fourth payment, and that was taken into consideration for the loan modification. I asked to have the call reviewed and a week later the same rep called and told me the same thing as above and if I do not make a payment as of XX/XX/XXXX that my loan modification will be void. I asked for an in person meeting and was told by the rep he only handles the escalations and I need to call the main line to request an in person meeting. The rep also said he was the highest person I would be able to speak to because loss mitigation doesnt have a direct line.
Product: Credit reporting

This account has been paid in full since XXXX 2015. The company has yet to update the status and balance. It also lists late payments when in fact I was on time since XXXX 2015. I would like this account deleted if not then corrected
Product: Mortgage

I had my annual Escrow analysis with Mr. Cooper and was notified I would have a shortage in my escrow. I paid the amount of the escrow shortage and added another {$1000.00} to my escrow account. I was informed I could either pay the amount of the shortage or have my payment go up. I elected to pay the amount of the shortage. The funds I gave them for my escrow where never applied and they increased my payment starting in XXXX and notified me they would again be increasing it in XXXX due to a shortage in my escrow. How can I have a shortage when I not only paid them what they said they needed but extra also? I was also told when I called them regarding this that if I paid more into my escrow I would have my monthly payment decrease. 
I tried to speak with them about it and they just kept telling me my taxes went up. I get taxes go up and there might be a shortage but I paid that then I was told there was another analysis done on the account and because there was a surplus in the amount over {$25.00} they needed to refund my money by law. They just keep running me in circles. They refunded me $ XXXX of the {$12000.00} I sent them for the shortage. I have no idea what they did with the portion they kept and if they where going to refund me money why in the world didn't they keep the amount of my shortage. This just does not make any sense. 
Also they increased the amount they took out of my checking account for the payment without my authorization. I don't understand how they can take funds from my account like that. 
Thank you for your time
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I filed the following complaint on Nelnet ( cfpb complaint XXXX ) Nelnet is continuing to be willfully non compliance to the FCRA. Nelnet is in direct violation of 1681c-2 ( a ) I filed an identity theft claim with nelnet on XX/XX/year> to which the claim has not been blocked or answered in the appropriate time frame. Nelnet not only didnt process my identity claim under 1681c-2 but they have not even processed my claim in the allowed time under 15 usc 1681i ( a ) ( 1 ) ( a ) to which they has 30 days to investigate incomplete or inaccurate information. This is the second time nelnet has not processed my claim or request ending in a violation of my right. To which on XXXX XXXX this complaint was closed and marked a duplicate complaint as XXXX, however this must be some kind mistake bc XXXX is a complaint regarding 1681a2 violation when this complaint is in regards to 1681c-2 which is two totally different issues and violations. So I am Resubmitting my grievance which the Expectation of it being processed.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I checked my credit record, I discovered a lot of billing problems. Under the U.S. Code 1666 ( b ), billing errors include any computation errors or other accounting errors on a statement, as well as the creditor 's failure to appropriately reflect a statement, a payment made by the debtor, or a credit line extended to the debtor. There shouldn't be any late payments on these accounts because, as far as I'm aware, the creditor did not send me a statement 21 days earlier. Below is the list of the accounts I found to be reporting erroneous information on my Credit File : XXXX XXXX Balance Owed : {$380.00} XXXXXXXX XXXX XXXX XXXX XXXX Balance Owed : {$28000.00} XXXX XXXX  XXXX Balance XXXX : {$6800.00} XXXX XXXX  XXXX Balance Owed XXXX {$10000.00}. In addition please provide evidence that the following items belong on my report and that my rights have not been abrogated. In the event that no record exists, please correct the inaccurate items information as quickly as possible.
Product: Credit reporting or other personal consumer reports

Dear Representative, I am writing to formally submit a complaint regarding the handling of my account with Macys ( Account Number : XXXX ). I am seeking monetary relief and corrective actions for several issues that have adversely affected my credit and financial well-being. 

Issues Encountered 1. incomplete Account Ledger : I was not provided with a complete account ledger by mail or email, which I believe is a violation of my right to receive accurate and complete account information.

2. Lack of Notice : I did not receive any notice ( via phone, mail, voicemail, email, or text ) regarding the charge-off on my account.

3. Negative Credit Reporting : Despite the absence of proper notification, negative informationincluding a reported late paymentwas sent to the credit bureaus, causing significant damage to my credit score.

4. Unverified Charge-Off : Upon further investigation, I discovered that the charge-off reappeared on my account. Despite my dispute regarding the validity of this debt, Macys has failed to provide documentation verifying the charge-off or the alleged debt. 

5. Excessive Fees and Credit Denial : I have incurred excessive fees as a result of this situation and have been denied other lines of credit, further exacerbating my financial distress. 

Legal Violations I believe that the actions described above constitute violations of the following consumer protection laws : - Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 et seq. ) : The FCRA requires that all information reported to credit agencies be accurate and complete. The failure to provide verified documentation and the subsequent reporting of unverified or disputed information have materially harmed my credit standing.

- Fair Debt Collection Practices Act ( FDCPA ) ( 15 U.S.C. 1692 et seq. ) : The FDCPA mandates that any entity attempting to collect a debt must provide proper validation upon request. The lack of a complete account ledger and appropriate notification regarding my alleged debt violates these provisions.

Requested Actions In light of the above, I respectfully request that the following actions be taken : 1. Immediate Removal of Negative Reporting : Remove all negative account information from my credit reports with all credit reporting agencies.

2. Waiver of Fees and Charges : Waive all late fees and any other charges incurred as a result of the disputed account issues.

3. Monetary Relief : Provide monetary compensation for the significant damage caused to my credit score and overall financial well-being due to these violations.

4. Written Explanation : Require Macys to furnish a written response within 14 days, detailing : - An explanation of why these errors occurred, - The steps that will be taken to rectify the situation, - Confirmation that all unauthorized actions will cease immediately. 

I respectfully request that the CFPB investigate this matter and assist in securing the relief I am entitled to under the applicable laws. 

Thank you for your prompt attention to this complaint. I look forward to your swift response. 

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

I heard that Equifax may have had an information leak and started doing some research on it today, XX/XX/2017. I know now that over 143 million users of this credit report company had their information stolen ( including names, addresses, birth dates, social security numbers and even driver 's license numbers! ) and that the hacking to get the information began all the way back in XX/XX/2017. After checking with the Equifax newly-setup website ( https : //www.equifaxsecurity2017.com/XXXX ) I have now found out that both my wife and I may be affected in this situation. 

I am flabbergasted that a company that is valued at ~ XXXX XXXX could n't put some amount of money into making sure the information they kept was secured and safe. I am in shock that peoples ' PERMANENT information ( including social security numbers!! ) were leaked into the public internet.
Product: Credit reporting

I contact Experian several times regarding multiple inquiries that appeared on my credit report that were not authorized by me. I spoke to a rep on XX/XX/XXXX who was in the process of removing them when we their system went down and our call was disconnected. When I tried calling back, I could not get back through. I filed a dispute online about these inquiries. XXXX stated that there is no way to dispute the inquiries at all but the online process definitely let 's you dispute them. On XX/XX/XXXX they sent me an updated report via postal mail that stated they verified and reviewed each inquiry. When I spoke to XXXX different reps on XX/XX/XXXX ... they all could not tell me the process in which they use to verify that information appearing on my report is factual and correct. I found this to be a huge concern and for great reason because by their response, if they could not state how the items were verified and method they used, that means they did not verify or investigate the disputes. If they did not investigate or actual verify each inquiry in my dispute, then how did they know items where factually and correctly being reported? That is the biggest issue to date. The next issue of my disputes that were filed about XXXX inaccurate collection on my reports. Each time they stated that they verified that the information and it was being reported correctly. I called and sent 2 certified letters with return receipts to Experian requesting specific information about how they verified that the information was correct and reporting accurately. I sent the letters starting XX/XX/XXXX and again XX/XX/XXXX which was at least 30 days apart. Also called and spoke with them about the disputed accounts. Please be advised that this is my THIRD WRITTEN REQUEST asking Experian to remove the unverified accounts listed that remain on my credit report in violation of 15 U.S.C. 1681. Experian is required under the FCRA to have properly verified the accuracy of an account listed on my credit report. In the results of their first/second re-investigation, they stated in writing that they " verified '' that these items are being " reported correctly ''. Where are the documents that they used to verify these accounts? What is the name of the person in their company who verified these accounts? What documents did they use to verify them? They did not provide me with the name of that individual, their business address, and telephone number. So as you can see, they failed to verify the accuracy of several disputes I have filed. I am most certain that they are not following FCRA guidelines set in place to protect consumers from unfair reporting and inaccurate information being reported. Why are they refusing to do their due diligence? Why have they lied about actually investigating and actually verifying inaccurate information being reported.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX XX/XX/year> EXPERIAN XXXX XXXX XXXX XXXX, TX XXXX Dear EXPERIAN, This letter is a formal dispute filed pursuant to the Fair Credit Reporting Act ( FCRA ) Section 605B ( 15 U.S.C. 1681c-2 ). I am requesting that you, EXPERIAN, block the following information on my credit report within 4 business days of receiving this complaint due to identity theft and fraud : ACCOUNT : DEROGATORY NAME OF CREDITOR : XXXX  ACCOUNT NUMBER : XXXX ACCOUNT : DEROGATORY NAME OF CREDITOR : XXXX XXXX  SERVICE ACCOUNT NUMBER : XXXX ACCOUNT : DEROGATORY NAME OF CREDITOR : XXXX XXXX XXXXXXXX ACCOUNT NUMBER XXXX XXXX I have attached a copy of my credit report showing this fraudulent information, as well as a copy of the Federal Trade Commission Identity Theft Report # XXXX as proof that this activity is a result of identity theft. 

I specifically declare the following statements : The request to block information is NOT based on a material misrepresentation. I am not making any misrepresentations in this dispute. 

I have NOT agreed in writing that the information was blocked in error. I have not agreed to anything related to this fraudulent information. 

I DID NOT knowingly obtain or should have known that I ( the consumer ) obtained possession of goods, services, or moneys as a result of the blocked transaction or transactions. I did not obtain any goods, services, or moneys related to this fraudulent account. 

I do not recognize the aforementioned account and I did not open it. I request that you investigate this matter and remove this inaccurate and fraudulent information from my credit report. 

Please contact me at the above address if you require any further information. 
Sincerely, XXXX XXXX XXXX : Copy of Credit Report FTC Identity Theft Report Drivers License
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an account open fraudulent Creditor - XXXX XXXX XXXX Open - XX/XX/2021 2021
Product: Credit reporting or other personal consumer reports

Please check the information concerning the equifax data breach in attachment.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reporting on my personal credit file with XXXX and TransUnion credit reporting agencies. This account was opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regards to identity theft. Additionally, the credit reporting agencies & data furnisher have not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me. Since this is a strict violation of FCRA laws I need the account removed from my file. Under the Fair Credit Reporting Act section 605b, I am requesting that the Credit Bureaus remove the disputed account reporting on my Credit Report : XXXX  XXXX Balance Owed : {$0.00}. If the Credit Bureaus believe that the disputed account belongs to me, I need the Credit Bureaus to send me copies of proof of verification as well as proof of address. In the event that the Credit Bureaus can not provide me copies of documents I seek, immediate deletion of the disputed account will be appreciated.