23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I obtained a loan from Planet Home Lending on XX/XX/XXXX. My insurance agent provided Homeowner 's insurance and Flood insurance quotes and the premiums were paid during closing. 
Problem # 1 = insurance information was never updated on the portal! 

A bit later I found out that Planet Home Lending decided that the property was in zone A ( though FEMA map shows it in zone X ) and requested my insurance agent to find the quote for zone A and additional funds were disbursed to pay higher insurance. 
Problem # 2 = I was not informed, not a single letter, email, etc. All of this was done behind my back and my insurance agent told me that Planet Home Lending assured them that I was aware. 
Problem # 3 - FEMA shows that the property is located in zone X and the original flood insurance I had was sufficient to cover for flood insurance. 

in XX/XX/XXXX I received a letter from Planet Home Lending informing me that I did not have an active flood insurance and that I needed to get one, otherwise PHL would purchase an expensive one for me. That sounded like a fraudulent scheme ( similar to the ones other consumers suffered from based on multiple complaints found on the web ), how can the same company who requested to charge more money for the existing flood insurance now XXXX months later tell me that I did not have any flood insurance? 
when I received that letter, I uploaded proof of insurance to the portal address provided and sent a paper copy proof for homeowners and flood insurances to the address provided in the letter. 
in XX/XX/XXXX I found out that Planet Home Lending fraudulently charged me for the second flood insurance {$2200.00}. In addition Planet Home Lending is planning to charge me additional {$370.00} for XXXX XXXX XXXX XXXX  insurance on XX/XX/XXXX, which is the second XXXX insurance on the same property, this looks like an attempt to fraudulently use my escrow funds to purchase additional insurances not required by law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of Identity theft. I was advised by the FTC as to my rights as an Identity Theft victim. I sent in an affidavit and a valid police report. I was careful to include all fraudulent accounts and addresses which needed to be removed from my account. I was informed that the bureaus after receiving proper Identity Theft affidavit and police reports should according to FCRA laws, block these fraudulent accounts within 4 days. It has been several months and TransUnion XXXX, XXXX and XXXX are still reporting these fraudulent accounts on my profile. The law is very clear as to the civil liability and the remedy available to me ( section 616 and 617 ) if the Bureaus fail to comply with federal law. The Bureaus have failed to comply with the FCRA laws and they have not blocked or removed these fraudulent accounts which were opened by a thief and not me. Please Contact these bureaus about their illegal behavior and have them comply with federal law and respect the rights of Identity Theft victims, such as myself.
Product: Checking or savings account

I am filing a complaint with the CFPB regarding Capital One bank 's failure to deposit my direct deposit from my employer and any other incoming deposits. Capital One has cited technical issues, which may violate the Electronic Funds Transfer Act ( EFTA ) as it requires timely access to funds. I expected to receive my direct deposit today and have not got anything. I was on hold with customer service for an hour and a half before hanging up due to the long call wait time. This situation raises concerns about consumer protection laws, and I request your assistance in investigating this matter to ensure my rights are upheld. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a XXXX party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Again, I was a victim of identity theft and this is another request to block or remove the information from my credit file resulting from alleged identity theft. Per XXXX XXXX ( XXXX XXXX XXXX ) you are required to remove/block any account not later than XXXX XXXX XXXX after XX/XX/2022. Im attaching the required XXXX Report for you ( which complies with FCRA XXXX XXXX ( q ) ( XXXX ) which states ( XXXX ) The term " identity theft report '' has the meaning given that term by rule of the XXXX, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the XXXX XXXX XXXX XXXX XXXX, or such other government agency deemed appropriate by the XXXX ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) Ive already included this report in my previous letter & I am including it again. Also, the information you provided on some accounts is UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 

XXXX XXXXXXXX XXXX
Product: Payday loan, title loan, or personal loan

On XX/XX/2021 I requested a payoff quote for my loan and was given the amount of {$9300.00} that was to be valid through XX/XX/2021. That payment was made on XX/XX/2021, however in between that time my regularly scheduled auto payment of {$250.00} was deducted on XX/XX/2021. 
Since the quote that I was given was to be valid through XX/XX/2021 I assumed that I would be getting a refund of the overpayment amount of {$250.00}, however the refund I received was for the amount of {$26.00}. When I contacted Lightstream customer service their response was that the payoff quote that I was given included my upcoming monthly payment, this made very little since to me because if I had only made a payment for the amount of the payoff quote that would mean I would still owe a balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was received an emailed about my information being in the XXXX data hack so I pulled my credit reports and found there were multiple accounts that are inaccurate and should not be on my credit report. I understand mistakes happen but this needs to be fixed expeditiously because these accounts are damaging to my credit report and I dont have the luxury to just wait around and let the problem fix itself by your agency. Under 15 U.S. Code 1681e ( b ) ACCURACY OF REPORT : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

I know that under 15 U.S. Code 1681i ( a ) ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. If you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below : 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... 

I have attached a copy of my ID for identity verification and a bill for address verification.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to Section 392.101 of the Texas Finance Code prohibits a third-party debt collectors or credit bureaus unless the third-party debt collection or credit bureau has obtained a surety bond &  filed a copy of the bond with the Office of the Secretary of State. XXXX XXXXis illegally trying to collect debt from me & has illegally reported an alleged debt to all three credit bureaus. SUBCHAPTER B. SURETY BOND Sec. 392.101. BOND REQUIREMENT. ( a ) A third-party debt collector or credit bureau may not engage in debt collection unless the third-party debt collector or credit bureau has obtained a surety bond issued by a surety company authorized to do business in this state as prescribed by this section. A copy of the bond must be filed with the secretary of state. ( b ) The bond must be in favor of : ( 1 ) any person who is damaged by a violation of this chapter ; and ( 2 ) this state for the benefit of any person who is damaged by a violation of this chapter. ( c ) The bond must be in  the amount of {$10000.00}. Acts XX/XX/XXXX, 75th Leg., ch. 1008, Sec. 1, eff. XX/XX/XXXX. Sec. 392.102. CLAIM AGAINST BOND. A person who claims against a bond for a violation of this chapter may maintain an action against the third-party debt collector or credit bureau and against the surety. The aggregate liability of the surety to all persons damaged by a violation of this chapter may not exceed the amount of the bond. Acts XX/XX/XXXX, 75th Leg., ch. 1008, Sec. 1, eff. XX/XX/XXXX.
Product: Debt collection

Today XX/XX/2021 I recived a call from a collector i answers and told them that the debt is not correct due to I do not have any copay or out of network balance she was berry nasty and told me that I do not know what I am talking about and that will be in my credit and I dont worry about my credit after repeating my self that the bill is wrong she still continue to act in a bad manner and yelling and hang up
Product: Debt collection

On or around XX/XX/XXXX, I received a call on my cell phone from Global Receivable Solutions ( GRS ) stating I had an unpaid medical bill from XXXX XXXX. I had not received any bills in the mail prior and my insurance should have covered the cost at 100 %. Due to the imaging company 's error in billing code ( was preventative and the coded diagnostic ), they were not paid 100 %, so the remainder was in collections I was told. I advised I wished to dispute the amount, as was a result of the collection company client incorrect billing. They advised they would put in dispute. On this initial call, I advised I did not give permission for my cell phone to be placed on an auto-dialer. As of XX/XX/XXXX, I have received multiple calls per day on my cell phone from GRS and I answer only to hear dead air or be hung up on, indicating an auto-dialer. Upon speaking to someone, I advised again the bill was in dispute and they could not use my cell phone number to collect this bill and asked them to remove the number. Today, XX/XX/XXXX, I received 2 calls within 1 minute from this company, which is causing my phone to ring with intent to harass and they consistently hang up on me. In addition, when I answer, they proceed to TELL me my information for " verification '' and disclose everything. Today, I was berated by a representative when I advised AGAIN, this was in dispute. When I asked for a manager, I was refused and told there is no manager. When I said again to remove my cell phone, they hung up on me. I called and asked for the Legal address, as I am now considering legal action, and they refused to provide. I was finally able to obtain an address ; however, the company will not confirm it is accurate. I want them to cease and desist immediately.
Product: Mortgage

This is follow up to my prior complaints ( XXXX and XXXX ). In my complaint XXXX I followed up on inappropriate delinquency reporting to credit bureaus for there specific months. Unfortunately, SPS is reporting inappropriately for additional months ... XXXX, XXXX, and XXXX XXXX. Let me be clear ... SPS should not be reporting any lates on either my first or second loan accounts with them ever. I want the three months referenced above and any others, corrected. I contacted XXXX at SPS ( as she was the one who sent the letter to me confirming correction of the credit reporting for XXXX XXXX, XXXX XXXX, and XXXX XXXX ) to address the additional months identified above ( XXXX - XXXX XXXX ) and left a message for her to return my call three weeks ago and have yet to hear from her, thus I am filing another complaint to resolve the matter. 

Regards, XXXX
Product: Credit reporting or other personal consumer reports

According to XXXX, American Express alleges the date of first delinquency is XX/XX/XXXX. However, AMEX clearly states in its XXXX XX/XX/XXXX response " Your account was charged off on XX/XX/XXXX ". In AMEX XXXX XX/XX/XXXX response to my state 's attorney generals office, AMEX alleges the reason the account is not reporting accurately, is because " I entered into a payment agreement. '' However, I entered into no such agreement and this is confirmed in AMEX XXXX XX/XX/XXXX response, " Additionally, we are unable to locate a payment agreement from you. '' In absence of any sort of payment agreement for this open-ended account AMEX has unilaterally re-aged the debt. In an earlier XXXX XX/XX/XXXX response AMEX alleged the account was not being reported as charged-off due to " multiple billing reconciliation disputes. '' Thus AMEX is undoubtedly aware of the inaccurate reporting for this account/tradeline. Now, AMEX acknowledges a re-aging took place on a single occasion in XX/XX/XXXX to resolve one of many billing errors ( see XXXX XX/XX/XXXX AMEX response ). However, those attempts failed and have inflicted additional harm on me as a consumer by reporting fresh delinquency statuses that now are one-hundred XXXX ( XXXX ) days past-due for the fifth ( XXXX ) month in a row in XXXX, when the account was alleged the first date of alleged delinquency would be XX/XX/XXXX. Thus, AMEX re-aging of the account in XX/XX/XXXX now expands the time by which the derogatory stao have been charged-off in XX/XX/XXXX. Federal law indeed requires that AMEX charge off accounts not later than one-hundred eighty ( 180 ) days after date of first delinquency. That date of first delinquency would be at most the one-hundred eightieth ( 180 ) day immediately prior to XXXX XX/XX/XXXX. However, from AMEX own reporting to XXXX, the first date of alleged delinquency would be XX/XX/XXXX. Thus, AMEX re-aging of the account in XX/XX/XXXX now expands the time by which the derogatory status will remain on my credit report by nearly an additional two ( 2 ) years simply because simply because I filed billng errors to rectify a slew of issues that had been insufferable since early XXXX. AMEX 's own behavior has caused me to be denied permanent lodging due to tenant screening companies reliance on credit reports and scores. The practices of AMEX are therefore not only unfair and unlawful, but are additionally abusive. No consumer should have to experience what I have due to the negligence of American Express. AMEX has demonstrated it neither has intention nor capability to correct the false/misleading/inaccurate reporting. As such, the appropriate action for XXXX is to remove the account/tradeline from my credit file and/or to remove any and all derogatory payment status and payment history for years XXXX and XXXX and to then block AMEX from providing any additional information for the account/tradeline.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed with XXXX, TransUnion, XXXX XXXXXXXX XXXX XXXXXXXX XXXX, and more! I can't even get a credit report right now because it says I'm entering the wrong information! The one I can get from Experian tells me a have a card with XXXX XXXX a mortgage, a car loan. I've been telling you guys for years I applied for a XXXX account and have been told by XXXX XXXX and XXXX that my account number XXXX is a account with them but it's not under my name or social! Credit report after credit report has been requested in XXXX XXXX! I was locked up at XXXX. XXXX XXXX XXXX at XXXX XXXX  XXXX XXXX, XXXX, XXXX since XXXX XXXX and was originally incarcerated XX/XX/XXXX and didn't get out till XX/XX/XXXX! How did I order credit report after credit report? How did I open account after account? How did I take out a loan? Someone is definitely using my accounts fraudulently! Please help! Every credit report is incorrect and has been since XXXX at least! What do I have to do?
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/year> Re : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To whom it may concern, I am writing in response to your recent communication dated XX/XX/year> concerning the debt referenced above. I acknowledge that you have attempted to verify this debt. However, I still require further clarification and specific validation for the following reasons : 1. Detailed Accounting : I request a complete breakdown of how the amount you claim I owe was calculated. This includes the original principal amount, interest rates, fees, and any payments or credits applied to the account. 2. Proof of Ownership : Please provide proof that you or your client owns the debt. This should include a copy of the original contract or agreement that bears my signature, demonstrating that I am indeed responsible for this debt. 3. Chain of Title : If the debt has been sold or transferred, I request documentation showing the chain of title, from the original creditor to your current ownership of the debt. 4. Statute of Limitations : Please provide the date of the last payment made on this account to confirm that the debt is within the statute of limitations in my state. I remind you that under the Fair Debt Collection Practices Act ( FDCPA ), you are obligated to provide proper validation of the debt. Until you do so, I will consider this matter unresolved, and I request that you cease all collection activities, including reporting to credit bureaus, until this validation is completed. Please respond to my request within 30 days from the date of this letter. Failure to do so will result in me considering this debt invalid, and I will proceed accordingly. Thank you for your attention to this matter. I look forward to your prompt response. Sincerely, XXXX XXXX
Product: Mortgage

At the beginning of XXXX, XXXX  I requested removal of PMI from my mortgage loan because I had made a large one time payment to reduce my XXXX ratio to 79.3 %. NewRez then sent me a document stating that I would need to pay to get someone to come assess the value of my house because the XXXX value is less than the original value of the property, but if I get my XXXX ratio down to 78 % of the original loan amount then the PMI would be automatically terminated. I made a XXXX time payment on XX/XX/2023 to bring my XXXX down to 77.9 % of the original value of the property. XXXX is now telling me that I still need to pay to have someone come out to assess the value of the house. They are not complying with their original written response of getting my XXXX ratio below 78 % of the original value of the residence. Also, the original value of the residence was assessed in XX/XX/2023 so this is all very recent. So far I have paid PMI for the month of XXXX and XXXX.
Product: Debt collection

I received an alert from XXXX XXXX- a debt was filed against me on XXXX from a company called Transworld System IncXXXX for a debt from XX/XX/2016 from XXXX XXXX XXXX which services XXXX XXXX XXXX I have not lived in XXXX XXXX in over 15 years which I explained to XXXX- This collection agency did not provide an account number or a service address. I filed a dispute with XXXX and they did a XXXX XXXX investigation and seems like they are going by this company 's verbal statement instead of asking for information verifying this was my account. I contacted this collection agency today explaining why I was calling wanting the information verifying the account and stated I will not provide any banking ; credit card or social security number and they hung up on me. This is a total scam. Why would it them over 6 years to find me?? I was not in hiding. If this is my account, this company should have no problem providing an account number and service address in writing.
Product: Student loan

MyschoolloanwasthroughSallieMae.ThenIwasinwhatIthoughtwasaloanforgivenessprogram.NowsomeoneelsehasmyloanandSallieMaewillnottalkwithme.Thenewagencyhasattachedmywagesandkeepsmyincometaxreturn.IneverreceiveanythingsayingmyloanisgoingdownorhowmuchIstillowe.Ishouldofcompletedtheloanforgivenessbynow.Igraduatedin2001andworkforanonprofitwithchildrenwithXXXX.HowdoIgetthisloanforgivenandstopwageattachment?MyoriginalloanwasXXXX.Eachtimeitchangehandsitdoubled.WentoverXXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

AS OF XXXX XXXXXXXX XXXX  I HAVE NOTICED FRAUDULENT ACCOUNTS AND INQUIRIES ON MY CONSUMERS REPORT AND CREDIT PROFILE
ACCOUNT NAME: XXXX XXXX
6 LATE PAYMENTS
Credit usage
XXXX
Balance
XXXX
Balance updated XXXX XXXX  XXXX  Credit limit XXXX  Account number
XXXX
Open/closed
Open
Date opened XXXX XXXX XXXX  Account type
Credit card
Status
Open.
Status updated XXXX XXXX  Highest balance
XXXX
Monthly payment XXXX  Last payment date
XXXX XXXX, XXXX  Contact info
Address XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX  Phone number
XXXX XXXX  THE DATE OPENED DATE CLOSED AND LAST PAYMENT IS IN ACCURATE ON THE 3 CREDIT BUREAS 
AND ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL...SINCE THIS IS A FRAUD DUE TO IDENTITY THEFT THIS BE REMOVED FROM CREDIT PROFILE AND CONSUMERS REPORT 4 BUSINESS DAYS FROM RECEIPT
Product: Credit reporting or other personal consumer reports

I sent a request to update my personal information removing old names and addresses that no longer belong to me. They no longer apply as they are not me and I don't live at all these places nor have all the numbers listed. 

It is my right to have on my report what I have authorized, and I want that information removed. I put in the request to Experian to remove it and I was told the names and addresses and old phone numbers do not affect my credit score. And my request was totally ignored. 

I don't care that it doesn't affect my score I ask for them to remove it and they failed to honor my request.