23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

My monthly home mortgage rate has been ~ {$6200.00} since we purchased our home in XX/XX/year>. Last year, our bike was stolen from the front of our house and we had a minor theft reported while travelling. Both were reported to home insurance. Because of that, my home insurance ( XXXX XXXX XXXX ) declined to renew our coverage last XXXX. My mortgage servicer, US Bank, claims they tried to inform me of this change via mail. When told that I never received any notification, and upon being asked to show proof they tried to communicate with me via email or phone ( my preferred method of communication and the way they communicate with me for all other reasons ), neither they nor XXXX were able to show me any proof.

As a result of my home insurance being cancelled, US Bank then elected to sign me up for their own home
insurance plan, which was roughly 4.5x the cost of my previous plan ( {$800.00} per month, instead of {$160.00} per month ) per. BUT, they did not actually start charging me this on a monthly basis until XXXX, when my escrow was fully depleted and they conducted a new escrow analysis. XXXX Bank did not provide explanation for why they waited this long to conduct a new escrow analysis, which does not make sense since they knew my escrow would quickly be exhausted by the new plan. 

In XXXX, my monthly mortgage payment suddenly jumped from ~ {$6200.00} to ~ {$7800.00}. As soon as I discovered why, I changed my insurance that day to another XXXX plan for {$220.00} a month, nearly {$600.00} cheaper than the plan US Bank forced me to sign up for. And because I didn't find out about it until XXXX, I accrued nearly XXXX XXXX in extra expenses, that US Bank is now charging me for to catch up to my old account.

US Bank acknowledges I never consented to the higher rate, and would not provide any proof it tried to contact me via email, despite acknowledging that is how I elected to receive notification. US Bank also refused to provide any reimbursement, despite no claims being filed
on my home during this period. XXXX also did not provide me any explanation as to why they did not communicate with me via email, despite using email for all other communication up to that point ( including sharing my policy with me when I first signed up ).

I find this practice highly misleading and unfair - I never knew about my insurance cancellation, no one tried to contact me via email or phone, and they signed me up for a much more expensive plan without my consent th
at cost me nearly XXXX XXXX
Product: Mortgage

In XX/XX/year> I bought my home I got XXXX  XXXX XXXX XXXX were they paid XXXX for my down payment U.S Bank is my mortgage holder The terms for the XXXX assistance I had to live in the house for XXXX  years and after XXXX  years the XXXX be forgiven I have live here XXXX  years never been late on any payments Escrow is has enough money to pay taxes and insurance, and when every the escrow is short I pay what is need I'm trying to pay my house off early but US bank is telling me I have to pay of the XXXX saying because XXXX XXXX XXXX  I have told them that I was told when I first got the mortgage that if I lived her XXXX  years it would be forgiven they are telling me no that I owe Cam you help me wit this matter please
Product: Mortgage

Truist created seperate loan payment account on my HELOC after transferring from Suntrust. They began applying payments improperly not subtracting from the interest bearing account. I called to have them apply payment correctly and they made it worse. I then paid off the balance, more than owed, creating a negative balance of {$400.00} in repayment account and a total negative balance of over {$200.00}. I called to have it corrected and account closed. After a month, they just removed the {$400.00} again leaving the account with a loan balance of {$100.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

In late XXXX, I cancelled our mobile phone service with XXXX XXXX. We paid our final bill to zero. We began using XXXX XXXX XXXX in XXXX of XXXX. 

XXXX XXXX CONTACT INFO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, MN XXXX USA XXXX XXXX XXXX XXXX  A couple months later, I received a bill from XXXX attempting to charge us for an early termination fee. $ XXXX I called XXXX and told them our contract had expired many, many years ago. They attempted to tell me that I signed a new contract later. Knowing I had not done so, I asked them to send me a copy of the signed contract. They did not. I have repeartedly requested proof that they confirm I signed a second contract with them. 

We were clients of XXXX in XXXX. We closed our account XX/XX/XXXX. We transferred our service to XXXX XXXX XXXX in XX/XX/XXXX. XXXX chased us for this false debt for 3 years. In XXXX they turned the account over to collections agency, XXXX XXXX. 

XXXX refuses to supply proof of their allegation and simply keep reaffirming the false re-age date, XX/XX/XXXX that coincides with when they turned the account over to XXXX XXXX XXXX. 

Since then, they continue to tack on late charges and report the account as defaulted in the amount of {$280.00}. 

There are two issues. 
> We never owed this false charge because we never signed another contract ( which they refuse to supply proof of ). 
> They are reporting this late charge with the fake re-age date of XX/XX/XXXX.
Product: Credit card or prepaid card

I was scammed using my debit card on XXXX XXXX  they still have not returned my XXXX to my account spoke with a XXXX in complaints she stated theres nothing they can do if merchant doesnt return funds its not fair for a consumer to lose XXXX and nobody seems to care XXXX XXXX or Bank of America
Product: Credit reporting, credit repair services, 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 XXXX XXXX XXXX Balance {$1700.00} ; XXXX XXXX XXXX XXXXX Date Opened XXXX XXXX, XXXX Balance {$200.00} ; XXXX XXXX  XXXXX Date Opened XXXX. XXXX, XXXX Balance {$140.00} ; XXXX XXXX XXXX XXXX XXXX XXXX AL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX ; XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX XXXX Inquiry Date XXXX XXXX, XXXX ; XXXX XXXX XXXX Inquiry Date XXXX XXXX, XXXX
Product: Debt collection

I have no idea who these people are they just appeared on my credit report and been calling my phone early in the morning before XXXX with threats of ruining my credit report
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX says I owe them money and I do not. I had already experienced Identity theft and explained that to them and they continously harrassed me via telephone. Now they have passed it over to XXXX and still I am dealing with this issue which is keeping my credit at a low stand still. This occurred in 2015 ( when I found out ). The debt is about {$10000.00}.
Product: Credit card or prepaid card

on XX/XX/21 I called bofa about charges placed on my card that I wasn't aware of. They refunded my money of {$82.00} and then they suggested I get a replacement card, so I agreed. On XX/XX/21 I still have not received my replacement card and when I called they ordered me a new XXXX and said the first XXXX was lost somewhere but the new XXXX will be sent with expedited shipping. On XX/XX/21 I called once again because my card had not arrived. The gentleman i spoke with asked me if I had another address i could ship my card to and I told him no. He then suggested I get a p.o box or have the card sent through standard delivery in hopes for a better chance to get to me. Really?! He then told me that the card was sent to the address on file but the delivery service was having trouble getting me the card yet no attempts were logged in the system with bofa. I asked to talk to a supervisor in which XXXX spoke to me and he then stated that no card was ever sent out!! He asked me if I wanted a XXXX time transfer of my own money with XXXX XXXX. I agreed and then was on hold for XXXX hour until the XXXX XXXX supervisor spoke with me. She told me that my transfer would be ready for pickup within XXXX business hours and if not then the following day. She said i would receive a phone call with a XXXX number or from a restricted line with my confirmation number and that they would only call once and if I missed it I would have to call bofa back. OnXXXX XXXX I called bofa back because I never received the XXXX XXXX phone call with my confirmation number. Its now XXXX and this is my XXXX attempt to talk to someone I've been on hold for XXXX min this time the previous times were XXXX hour each time before I hung up. I've never had a problem receiving any mail service or shipping to my single family home in a nice neighborhood. I'm frustrated and i want my card or my money I'm behind now on my car insurance and my kids are going back to school on XX/XX/21 so its very important i need my money!!!!!!!!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have so many information in my credit report such as names and employment and I have contacted and requested dispute to Experian but they never helped! please help
Product: Debt collection

I received a garnishment notice and never got notice of a hearing. It is also on on My credit report twice. I don't even think its my debt
Product: Vehicle loan or lease

I paid off the car loan on XX/XX/2024. I called Santander customer service on XX/XX/2024. I was told that the tile was sent to a dealership ( did not provide me contact number ) located in State of XXXX I asked why it was not sent to me directly to my address. The customer service told me that sometimes people pay the dealership, then the dealership sent the money to the bank. This makes no sense as I made all the payments from my XXXX XXXX  account ( see image ). The car is XXXX XXXX, there are no dealerships. In addition, the bank does not have a copy of my XX/XX/2024 statement showing that month 's transactions. The did not send me any paperwork or notice of loan being paid.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting fraudulent accounts on my credit report that is effecting me severely financially, emotional and mentally. Recently I was denied employment with a finance company for these erroneous accounts. My last dispute requesting to remove the fraudulent accounts was on XX/XX/18 through the CFPB ( CFPB ref # XXXX ). I received a response from Experian on XX/XX/18 stating I would need to submit a FTC Affidavit signed by law enforcement for them to proceed with blocking the fraudulent accounts. I have attached the requested FTC Affidavit to this dispute, it is also signed by officer XXXX with XXXX. 

I have cc 'd the CFPB in this dispute due to past difficulties having these accounts removed by Experian. My next and final step will be filing a civil lawsuit in my county. I will name Experian, the person ( s ) who accepted my letter and denied my request all as defendants for violating my FCRA consumer rights ; willful noncompliance and negligence. 

Please remove these fraudulent accounts promptly, by law this would be within 4 days of receiving my notice.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX  XXXX Balance : {$240000.00} XXXX  XXXX XXXX Balance : {$3300.00} XXXX  XXXX XXXX Balance : {$4100.00} XXXX XXXX Balance : {$21000.00} XXXX XXXX Balance : {$240000.00} XXXX XXXX Balance : {$21000.00} XXXX XXXX Balance : {$240000.00} XXXX  XXXX XXXX Balance : {$3300.00} XXXX  XXXX XXXX Balance : {$4100.00} XXXX XXXX Balance : {$21000.00}
Product: Credit card or prepaid card

On XX/XX/17, the merchant sold me goods for {$530.00}, including sales tax, ( a used truck radiator support part ) different from that agreed upon ( after the purchase I found it would not fit as represented by the merchant ). After being told by the merchant the part would be exchanged for the correct part, I returned it and the return was accepted. The replacement part, however, also was not correct for my classic truck restoration and the merchant had no other part to offer. He refused to provide a Visa credit, went out to his yard, retrieved the returned part and attempted to stop me to throw it into my vehicle to take away. On XX/XX/17, I entered a billing dispute with Citibank. On XX/XX/17, Citibank 's Dispute Resolution Unit ( Dispute Unit ) sent me a copy of the merchant 's response of XX/XX/17, giving inaccurate and false statements submitted by a person who was not a witness or involved in the sale and return transaction. The Dispute Unit then gave me until XX/XX/17 to further respond. I did so on XX/XX/17. Citibank, however, refused to acknowledge the my document ( later, it finally did but said it was then too late to take action ), and relied on the inaccurate and false statements about the transaction submitted by the merchant. Citibank incorrectly stated on XX/XX/17, that it had no authority to take any further action contrary to Reg. Z.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Department of Education still has incorrect information on my credit report. I have reached out to XXXX  and Experian about the incorrect information. All of my student loans have been consolidated. They are in forbearance. That is what my balance history should reflect also.
Product: Debt collection

The No Surprises Act and the Fair Debt Collection Practices Act both have been violated by Medical Revenue Services collection agency XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX for collecting a prohibited medical bill that is also in violation to the No Surprises Act. The medical bill of {$2300.00} has derived from a sudden emergent medical illness, which was charged by an out-of-work provider for emergent medical attention. In addition, I was deemed XXXX by the XXXX at the time of this sudden emergent medical illness.
Product: Credit card

Chase is reporting 2 cc one of which I never opened. Additionally they are reporting delinquent payments on a card that is verified fraudulent charges. 

Ive tried to tell them many times that there is a fraud XXXX account. I do not have XXXX XXXX. And I was not changing a pin. 

Ive called other merchants and confirmed as well
Product: Credit reporting, credit repair services, or other personal consumer reports

Reporting inaccurate and unverified information on my credit report that is harming my reputation as a consumer and ability to make necessary banking transactions. ( Reporting alleged debt of {$1100.00} and {$2800.00} allegedly owed to XXXX XXXX XXXX XXXX. Reporting alleged debt of {$22000.00} and amount of {$1100.00} past due allegedly owed to SANTANDER CONSUMER USA. Reporting alleged debt of {$3000.00} allegedly due to XXXX XXXX. Reporting alleged debt of {$420.00} allegedly due to XXXX XXXX XXXX  who I have no written contract with. Reporting alleged debt of {$1100.00} allegedly due to XXXX XXXX who I have no written contract with. Reporting alleged debt of {$100.00} allegedly due to XXXX XXXX XXXX who I have no written contract with. Reporting alleged collection from XXXX XXXX XXXX XXXX XXXX  who I have no written contract with. Violations of 15 USC 1692b ( 2 ) stating that I owe Debt. Violations of 15 USC 1692d ( 1 ) using language that causes harm to my reputation as a consumer and is hindering my ability to conduct banking transactions. )
Product: Credit reporting or other personal consumer reports

If there are any inaccuracies or incomplete information regarding my accounts, judgments, liens, balances, payment history, late payments, account history, or any other details in my credit report, I request that you promptly correct or remove those items from my credit file in accordance with the Fair Credit Reporting Act
Product: Debt collection

XXXX  Have requested several times to be provided with a Statement for this debt, I have requested and they have assured me that they will be mailing a statement for my records that w ay I may know ( in writing ) the tot al owing and the payment plan prepared ( again in writing ). Both times the agents have assured me they will mailed and I have confirmed that they have the right address. Both times the agents have pushed for me to make a payment and even increase the payment amount with the assurance that they will mail me a statement but they receive my payment and dont send me any statements or debt information.   Each time I have made a request the agents have mentioned that they will provide a statement but they circle back to payment arrangements.
Product: Checking or savings account

XX/XX/2021 {$4400.00} My account was freeze. 
Have been calling the security team for months, they send me XXXX  link but the links expired in minutes it wont let me capture my face for the selfie
Product: Debt collection

Midland Credit Management ( MCM ) had continued to contact me early in the morning even after multiple times telling them that I work third shift and not to call me at those hours. Agents use fake names, always calling from XXXX such as " XXXX XXXX '' and " XXXX XXXX '', typically releasing sensitive information without verifying identity first.
Product: Mortgage

Chase mortgage started a foreclosure against me in XXXX despite the illegal activity that has occurred in my mortgage since XXXX. Chase willingly started this foreclosure with knowledge of my disputes and a FTC settlement in XXXX that says they can not start a foreclosure if there are disputes unresolved. Chase continued with foreclosure. I have complaints filed with consumer finance bureau during this ime since XXXX. Chase refusing to correct mortgage. My Chase loan number is XXXX. In XXXX of XXXX Chase withdrew their motion in Supreme Court. On XXXX XXXX XXXX I recieved a letter from Chase stating on XXXX XXXX, XXXX my loan is being transferred to XXXX XXXX XXXX XXXX XXXX my loan has been sold so many times none of the new servicers have been willing to take responsibility for the mishandling of my loan. Only leaving me to start over again with my disputes. During the last four years Chase has had me in Supreme Court for Forclosure My escrow has been charged thousands of dollars for legal fee and foreclosure fees. Chase started this foreclosure knowing of the many disputes and was aware of FTC XXXX settlement. The end result was they withdrew their motion and now wants me to pay all their fees for the foreclosure. I should not be charged any fees. And the new servicer can not be allowed to start a new foreclosure until the disputes are answered and dealt with.
Product: Debt collection

The law offices of Michael Harrison Attorney at XXXX XXXX XXXX  XXXX -Site XXXX in XXXX XXXX NJ XXXX keep sending me debt collections to a person named XXXX XXXX XXXX does NOT live here nor is a citizen of this country. However, they keep sending it to me. I have not affiliation with this person. 

Thank you. 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Follow-Up Dispute and Request for Detailed Investigation Description Dear CFPB, I am writing to follow up on my previous dispute filed on XX/XX/XXXX regarding inaccuracies on my credit report. The issues remain unresolved, and I am requesting a detailed description of the investigation process your agency conducted, as required under the Fair Credit Reporting Act ( FCRA ), 15 USC 1681i ( a ) ( XXXX ). Credit reporting agencies are obligated to provide a description of the investigation within 15 days of receiving a consumer 's dispute. 
I recently reviewed my credit report and noticed that the account detailed below continues to show inaccurate late payments. According to my records, I made all payments on time for this account, and the reported late payments are erroneous. I kindly request that you reinvestigate this account and update the inaccurate information promptly. 
Account Information : Creditor Name : XXXX XXXX  Account Number : XXXX High Balance : {$6300.00} ( Discrepancy : Does not match across bureaus ) Last Verified : XX/XX/XXXX ( Discrepancy : Missing in XXXX and XXXX XXXX Date of Last Activity : XX/XX/XXXX ( Discrepancy : Does not match across bureaus ) Closed Date : XX/XX/XXXX ( Discrepancy : Only reported by TransUnion ) Account Status : Closed ( Discrepancy : All bureaus show " Closed '' ) Last Payment : Missing in XXXX Credit Limit : Missing in XXXX Reported Late Payments : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX on TransUnion XXXX XXXX and XXXX XXXX 
Violation of Federal Laws : 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ) : My consumer report should not contain information solely as to transactions or experiences between the consumer and the reporting entity unless they are accurately reported.

15 USC 1666 ( b ) : Agencies must ensure periodic statements are mailed at least 21 days before the payment due date.

15 USC 1681i ( a ) ( 1 ) ( A ) : Requires a thorough reinvestigation of disputed information.

15 USC 1681s-2 ( a ) ( 1 ) : Prohibits the reporting of inaccurate information to consumer reporting agencies.

Evidence of Error : I have attached my payment records and bank statements showing that all payments were made on time for the disputed months. These documents confirm that the reported late payments are inaccurate.

Request for Action : Reinvestigate the inaccurate late payment entries for this account.

Provide a detailed description of the investigation process, including verification procedures.

If you are unable to verify the late payments, update the account to reflect " Paid As Agreed Never Late. '' Provide documented proof supporting the late payment claims, including dates, amounts, and relevant communications.

Update my credit report within the timeframe established by the FCRA, Consumer Protection Act, and Truth in Lending Act.

Failure to address this matter accurately and within the required timeframe will result in further escalation. I appreciate your prompt attention to this issue and look forward to receiving a response within 30 days. 
Sincerely, XXXX XXXX XXXX