23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

This place continues to call me and they have the wrong number. I have told them this several times and they do n't believe me. I 've blocked their number and now they are leaving messages from an unknown number. They also shout and use profanity and threats. They are known as a debt collection company called " Credit-Check '' in  XXXX  MI. They have the wrong number.
Product: Mortgage

This company took over my mortgage in XX/XX/2018 and has been completely negligent in their handling of my escrow and homeowner 's insurance from day 1. They overpaid HUD, shorting my escrow and thus calling for an increase in my monthly payment. Then they overpaid ( TWICE ) my homeowner 's insurance, again shorting my escrow and trying again to raise my mortgage payments. 

NOW they have underpaid my mortgage insurance premium by {$13.00} to XXXX XXXX, risking my home not being insured which would put my FHA mortgage at risk. I am 100 % sure they are doing this in an attempt to force my mortgage into one of their insurance programs to try and steal more money from me. This company needs to be put out of business. Their business practices put people 's homes at risk and are obviously meant to try and make their books look like they have higher mortgage payments coming in than they really do.
Product: Credit card or prepaid card

I've bought {$500.00} Vanilla gift card at XXXX store in XXXX XXXX on XX/XX/2022. The next day trying to set up the pin I've discovered it doesn't work. I called customer service, they said someone paid with it for some services. They said we have to start a dispute case, I've provided all my information to them and supposed to wait for dispute form to fill out in my email. After waiting for some time I called them again, but Vanilla gift card said they emailed the form to me. After third of fourth call I have received the form in my email on XX/XX/2022, I filled it out and emailed it back to them. I also mailed it to their address in XXXX, GA. Since then I still didn't get anything from Vanilla gift card. I called them several times, usual wait time on the phone is about XXXX hour. They keep telling me they didn't receive my dispute form, or they received it but it's under review.
Product: Debt collection

XXXX/XXXX XXXX transferred a mortgage that had been paid in full and released a XX/XX/XXXX mortgage with countywide that had already been released. We continued to pay Ocwen under threat of foreclosure until they released a XX/XX/XXXX mortgage that was also released twice. Now we are transferred to XXXX also under threat of foreclosure for a brand new loan no one ever gave us. 

1. They are collecting {$8700.00} for {$6900.00} Taxes and insurance 2. In XX/XX/XXXX there was a new loan set up that no one gave us and charged us a {$450.00} late fee. 

The only explanation is that the loan started over. - what does this mean? What is this loan?
Product: Debt collection

Hello, Im shocked, surprised, XXXX  out both physically and mentally to find this medical collection in my credit without proper notice or even allow me to contest it. Its not mine! - Don't waste my time by partially responding to this demand. I am really smart and demand all these documents or you will face an immediate lawsuit. Therefore, I am demanding under my consumer rights that you send me ALL the following documents to me. Because if not now, then you will be forced to produce them to my attorney in the discovery phase of the lawsuit. So, to save yourself potentially paying my legal fees ( Which are  ridiculously expensive ), I will just go ahead and order them now, so I can turn it over to him. 
Please provide me with the following : A signed and Notarized copy of the HIPPA release that allows you to access this alleged medical record What the money you say I owe is for Explain and show me how you calculated what you say I owe Provide me with copies of any papers that show I agreed to pay what you say I owe Provide a verification or copy of any judgment if applicable Identify the original creditor Prove the Statute of Limitations has not expired on this account Show me the you are licensed to collect in my state Provide me with your license numbers and Registered Agent or Agent of Service If your offices are able to provide real documentation as requested in the following Declaration, I will allow at least 15-days to investigate this information and during such time all collection activity must cease and desist.

Also, during this validation time, if any action is taken which could be considered harmful to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting agency that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX- XX/XX/XXXX XXXX -Inquiry date XX/XX/XXXX XXXX XXXX XXXX inquiry date XX/XX/XXXX XXXX  XXXX XXXX inquiry date XX/XX/XXXX FACTUAL DATA- XX/XX/XXXX FACTUAL DATA- XX/XX/XXXX XXXX XXXX CO -Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date. XX/XX/XXXX XXXX - Inquiry date XX/XX/XXXX XXXX XXXX date. XX/XX/XXXX XXXX I have reached out to the company they said that I have given authorization to pull my credit i did not. I am not aware of the inquires that are listed above. Therefore I have disputed several times with the credit bureaus and they refused to remove the unauthorized inquiries listed on the report. 


I have disputed on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX, XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

Student loan was taken in 2017 : I have since moved out of state ; they are in violation of collecting on a '' XXXX '' debt. In addition, i have endured the pandemic, suffered a debilitating XXXX and am currently on XXXX-will probably be on for life. Please remove credit reporting from any reporting credit bureaus, currently reporting. to Experian, i have disputed, but they did not remove.
Product: Credit card

This is my second CFPB trying to resolve this issue with the same purchase. XXXX provided a credit but the same day they closed the complaint with the cfpb they removed the credit now showing the charge again {$300.00}.
Product: Credit reporting or other personal consumer reports

I was a victim of data breach from exquifax, XXXX, and transunion XXXX XXXX XXXX
Product: Debt collection

Debt validation letter sent XX/XX/year> was not responded to with attached documents requested. Company sent one statement from creditor instead of all statements as requested. Debt collector continuously calls although I have requested no further telephone communication and everything be done in writing and sent to the address provided. Debtor refused to address amount paid if the debt was purchased from original creditor.
Product: Mortgage

My mortgage company did not disburse payment from my escrow account to pay my property insurance. The money was in the escrow account and the bill was due in XX/XX/XXXX. On XX/XX/XXXX I called LoanCare because I received a letter from them saying my property was not insured. I called them and asked, " How can I not have insurance when you're supposed to pay it from the escrow account? '' They said it was just that the mortgagee clause wasn't on the declarations. They put me on hold and called the insurance company. After a few minutes they came back on the line and said the problem was resolved. In XXXX I got another letter saying that my insurance cancelled on XXXX XXXX XXXX. This time I called the insurance company to see what was going on. They said LoanCare had not paid them since XXXX. I called LoanCare and they apologized for not paying the bill and issued a check to XXXX XXXX on XX/XX/XXXX. I called XXXX XXXX to confirm receipt of payment on XX/XX/XXXX and was told they mailed the check back to LoanCare on XX/XX/XXXX because the policy has to be re-written. When I tried to have the new policy re-written their underwriting department said they could not insure me at all due to the lapse in coverage. I made a report with with PA Insurance Commission and also had to obtain a policy from XXXX XXXX XXXX which is for people who are uninsurable through the marketplace. Meanwhile, the mortgage company has told me that I'm in violation of my agreement because my property didn't have insurance. However, they are the ones who did not pay it from my escrow account. I don't have access to that account. I had to do a report with LoanCare which is under investigation so that they can determine if I'm at fault. Additionally, the insurance that I purchased from the XXXX XXXXXXXX XXXX is under review with them as well. All of this, when I had the money sitting in my escrow account for them to pay my bill in XXXX when it was due, and in XXXX when they called about the XXXX clause, and in XXXX when the final notice was sent to them. It makes no sense.
Product: Debt collection

XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX To Whom This May Concern, This letter is a formal complaint that you are reporting completely inaccurate and misleading information on my credit report. This inaccurate information is not only stopping me from obtaining credit, it is damaging my financial well-being and seriously hurting my character.

Enclosed with this letter are the details of the account in dispute, with all of my personal information to verify my identity to help expedite this process. By provisions of 15 US section 1681i of the Fair Credit Reporting Act, these items need to be investigated. Please provide me with proof of these items, specifically the contra
ct bearing my signature. Failing that, please update the record to show as PAID IN FULL/AS AGREED or REMOVE this item from my credit report as soon as possible. This is a very serious matter affecting my everyday life. 

The outlined item is completely inaccurate and a very serious error in reporting. Please update this information : Account name : XXXX & Account Number : XXXX This account is listed as a collection/charged off account on my credit report but I have never received a XXXX for this charged off debt. Can you please provide me with a XXXX to accurately reflect this as a charge off for tax purposes and please update my credit report accordingly or delete immediately. 
Pursuant to 15 US section 1681i ( 6 ) ( A ) of the Fair Credit Reporting Act, please provide me with the description of the procedure used to determine the accuracy and completeness of the information, to be provided within 15 days of the completion of your investigation. 
I appreciate your prompt attention to this matter as these may seem like small reporting errors to you but they are serious offenses on my report when it is time to purchase a home for my family, a vehicle, look for a business loan or even to obtain employment. Please consider expediting this process for me. Thank you. 


Sincerely, XXXX XXXX
Product: Debt collection

XXXX XXXX is charging me and sending me to collections for {$28.00}. This was for coverage I paid for but did not receive. After getting into an accident, they refused to pay for the coverage I had.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. I would like to be provided proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately any or one, I would like it removed immediately. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681. 15 U.S.C. XXXX XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information ImIs inaccurate. The following inquiry needs to be removed immediately : by the provision of the Fair Credit Reporting Act, i demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify I understand that under 15 U.S.C. Sec 1681i ( a ), they must complete this reinvestigation within 15 days of receipt this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Report act, these accounts listed has violated my rights. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Department of Education Account XXXX XXXX Department of Education Account XXXX XXXX Department of Education Account XXXX XXXX Florida Department of Revenue Account # XXXX XXXXXXXX XXXX XXXX  Account # XXXX XXXX XXXXXXXX XXXX XXXX  Account # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 section 604 A. It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Checking or savings account

I was working for XXXX online company for months and I was issued a check for {$3500.00} for the work I had performed for the company. I deposited the check into my account with Bank of America. I found out the check was not legit, and spoke with XXXX, which was the guy I was working for, told him about the issue and he issued me another bad check. I again submitted to BOA, at this point I had balance on my account for {$340.00}. Bank of America closed my account, and I had XXXX deposits over {$200.00}, which BOA kept, and would not release back to the employer. This all took place XXXX of XXXX, and its now XX/XX/XXXX I can not access my account, and Bank of America has made all this XXXX  charges to take the funds in my account before I deposited any check. I have spoken with several representatives, and every time I have been told a different story. I feel if the checks were not legit, and was not deposit into my account, then I understand not receiving the funds. I am demanding my full refund of my funds that was deposit into my account before and after the deposit of the checks which to my knowledge totaled over {$700.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2021 - Credit pulled by XXXX, XXXX XXXX, and XXXX XXXX XXXX. XX/XX/2021 - Credit pulled by XXXX. 

I did not myself request my credit to be pulled for any reason. I have no accounts with any of these lenders. 

XX/XX/2021 - I called XXXX and they suspect fraudulent activity. I also called Equifax and they recommended I submit a complaint.
Product: Credit reporting or other personal consumer reports

I am submitting this Complaint to delete the following fraudulent information in my Credit file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge nor accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged information showing on my credit report. I therefore request that the Credit Bureaus immediately remove these information from my credit report with your firm pursuant of the FCRA Section 605b. Please delete these items as soon as possible : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt or credit management

Charges that are not mine as well as charges that should be removed as well as charges that are inaccurately reported. And finally. many violations of the FCRA.
Product: Mortgage

My annual insurance premium is due in XXXX of each year. Mr. Cooper the loan servicing agent which escrows the insurance has failed to pay XXXX the premium. Mr. cooper was notified in XXXX, XXXX that the payment was due. Mr. Cooper told me in XXXX that a check was being overnighted to XXXX. 

I contacted XXXX today and the insurance has not been paid. Mr. Cooper is now showing that there is no payment due until XX/XX/year>.
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously disputed items on my credit report that do not belong to me. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The specific information under dispute is the derogatory nature. I am requesting the verification to follow reasonable procedures to assure maximum possible accuracy, of the information on my credit report. So I am requesting you verify the items I am disputing at a higher standard than a third-party database search. Please also notify the source who reported the item within 5 days after receiving this dispute, and obtain either, verbal or hand written verification directly from a person at that. Verify with that person my full name, address, date of birth, social security number, status, and amount if any of that information is inaccurate or can not be verified, then entire item is unverifiable. 
When you finish your investigation, please give me the name, address, and, telephone number of the person at the source you contacted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX X 2
Product: Credit card

ALLY ACQUIRED OLLO, BUT FAILED TO CORRECT ALL LATE PAYMENTS REPORTING TO ALL CRAS,
Product: Payday loan, title loan, personal loan, or advance loan

I got a {$500.00} loan in XXXX of this year with bi weekly payments starting in XXXX. I still have a balance of {$490.00} even after making multiple payments of {$140.00}. I am struggling to pay this and having a hard time understanding why my balance is still so close to the loan amount. This should be paid off by now.
Product: Debt collection

I am a victim of identity theft ( PURSANT TO FCRA XXXX XXXX ( XXXX XXXX XXXX ). consumer company XXXX XXXX XXXX ) Refused to move negative reporting items on my consumer report I have disputed these accounts on this XX/XX/year> with ( XXXX XXXX ) And they refuse to remove these accounts. I have listed ( XXXX XXXX XXXX XXXX, {$3600.00} ) ( Exeter finance LLC balance {$25000.00} ) ( XXXX XXXX XXXX XXXX, {$25000.00} ) ( XXXX XXXX XXXX balance {$850.00} ) ( XXXX XXXX XXXX balance {$4800.00} ) XXXX XXXX XXXX XXXX Has removed all of these accounts from my consumer credit report as well as XXXX. these accounts has resulted in several data, breaches, fraudulent inquiries and third-party fraudulent collections, appearing on my consumer report. These items are reporting charge off every month every time making my account look more newer than it appears re-engaging an account is illegal. Not indicating when if the account has been sold, Misrepresentation Of the account status to another third-party company is ( double XXXX ) please remove all fraudulent accounts immediately from my consume These reports needs to be removed immediately
Product: Credit reporting

We have a leased XXXX from toyota financial services, they reported us 30 days late negative credit reporting. Our lease contract was expiring, we called and had it extended. This change screwed up their billing cycle as proof we have print outs from toyota website showing no billing statements were ever created for XX/XX/XXXX and XX/XX/2016. We even made double payments when finally thier system accepted our payments. basically their system was not accepting our payments because of the lease extension changed billing cycle/system. we wrote letters to toyota to correct the reporting but they are saying not their fault. No one is even available to speak with in their credit reporting department, i am the co signer, i had perfect credit in the XXXX, always made payments on time. 
attatchments are letter to toyota and printscreen of toyota website showing no statements generated for XX/XX/XXXX and XX/XX/2016
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this complaint against BANK OF AMERICA for the fraudulent inquiry on my credit report. My identity Theft report number is XXXX which I have included in the attachments below. As I checked my recent credit report, the unauthorized hard inquiry is in my credit report but I never authorized them to access my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid off all of my credit cards on XX/XX/2023. I patiently waited until the end of XXXX to receive an updated score with an account paid off. My score in XX/XX/2023 never changed, but the credit utilization went down on my report. I requested to dispute the information with TransUnion, and their investigation is showing a high balance which in turn hurts my credit worthiness. As I compare my XXXX  Score which shows XXXX, compared to my TransUnion score which shows XXXX, there is a huge discrepancy of almost XXXX points between the two. I have reached out to TransUnion to dispute, but their investigation came back as updated. They did not fix anything in their system. I would like the account reported properly, and my score updated to reflect my recent pay off of all my credit cards. 15 USC 1601 states the informed use of Credit. Their investigation is misleading, stating the there is a balance of {$35.00}, and a high balance of {$1100.00}. Where is this balance? Update the balance as XXXX 'd out as it should be, due to the fact that the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX  are paid off.
Product: Credit reporting, credit repair services, or other personal consumer reports

Description of Complaint : In XXXX of this year XXXX, I requested a properly investigated on Bankruptcy XXXX # XXXX because the court name is incorrect and the filing date is wrong! However TransUnion told me that this account has been verified with the courts but the **DATE UPDATED AS OF TODAY shows XX/XX/XXXX! XXXXAlso TransUnion have failed to provide me a formal request for the description of procedures used to determine the accuracy and completeness of the disputed information! The courthouse name, The name of the person who verified the bankruptcy, The court address, The court telephone number, The documentation used to verify the dispute, TransUnion has violated the FCRA LAWS several times. **please note a third-party furniture of information such as pacer, XXXX, or an alleged creditor does not meet the standards set by the FCRA section 611, paragraph ( 6 ) ( B ) ( iii ) Only the bankruptcy court should be the furnisher of information, not a third-party source.