23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Beside usual escrow payments like property taxes and homeowner 's insurance my lender included in the escrow account some supplemental payments like XXXX XXXX XXXX XXXX XXXX XXXX. I was billed for XXXX by the city and paid it by myself. Then I have recognized that my XXXX account is negative ( overpaid ) while I am short with my escrow account. As a result, my monthly mortgage payment increased and it seems that I just lend money to the mortgage company. All my attempts to talk to the customer support ended with their promise to move my request to the proper department, but no one came back to me whatsoever.
Product: Credit reporting, credit repair services, or other personal consumer reports

THOSE ACCOUNTS ARE DEROGATORY ACCOUNTS THAT HAVE BEEN HINDERING MY CREDIT, PLEASE INVESTIGATE THIS MATTER AND HAVE THIS ACCOUNT REMOVED OFF MY FILE. I HAVE BEEN VERY DISTRESSED  ABOUT THESE ACCOUNTS AND IT IS CAUSING SERIOUS DAMAGE ON MY FILE.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attempted to disput e an issue with Santander USA. I have sent a letter of validation with cease and desist to them back in XXXX and disputing with each of the credit companies. FIRST AND FOREMOST SANTANDER DID NOT PROVIDE ME THE INFORMATION THEY ARE REQUIRED TO DO SO BY LAW. The only provided me a print off of a statement and no contract or any other details as they are required to do Pursuant to Haddad v. Alexander, Zelmanski, Danner & Fioritto, PLLC, 13-2026, 2014 WL 3440174 ( 6th Cir. July 16, 2014 ), and 15 USC 1692g ( b ), you are required to cease and desist from collecting upon the debt ( including contacting a debtors credit ) until you properly validate and verify the debt amount. Do you have the right person? Please do not look at my credit or report anything to my credit reports as I dispute I owe this debt amount to you and that dispute should be stated on my credit report. 
Instead what they did was look at my credit report, updated with different information that they have not been clear about, did not put a statement on my credit report as requested and never sent me the contract the original contract for the loan. I have been requesting this for 3 years. The credit reporting companies also did not follow for a credit reporting. This is my last opportunity that I am giving them before I file a lawsuit. I will force them into arbitration as well all of them if necessary. I want the original contract I want the laws followed.
Product: Credit reporting or other personal consumer reports

Received notice from XXXX XXXX  that Capital One Auto Finance performed an unsolicited credit inquiry.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint due to multiple unauthorized and inaccurate items appearing on my credit report, which violate my rights under the Fair Credit Reporting Act ( FCRA ). These items including closed account with late payments, and several accounts listed as charge-offs. The charge-off accounts listed below were reported without my consent and fail to meet FCRA standards under 15 U.S. Code 1681i and 1681e ( b ) : XXXX  ( Account # XXXX ), XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX ), XXXX  XXXX  ( Account # XXXX ), XXXX XXXX   ( Account # XXXX ), XXXX XXXX  ( Account # XXXX ), XXXX CARD ( Account # XXXX ). Closed Accounts with Late Payments The following closed accounts reflect late payment marks that unfairly harm my credit profile and fail to meet reporting standards under 15 U.S. Code 1681b and 1681c : XXXX  ( Account # XXXX ). I request an immediate investigation and removal of these items to ensure the accuracy of my credit report, as required under federal law. These inaccuracies are unfairly damaging my creditworthiness and limiting my financial opportunities. Supporting documentation, including my FTC identity theft report ( FT number XXXX ), is attached for reference. I trust you will address this matter promptly and ensure compliance with the FCRA. Thank you.
Product: Payday loan, title loan, personal loan, or advance loan

I received a {$5600.00} merchant cash advance from Fundo, LLC, but they are demanding a payment of {$15000.00}, which is outrageous. There needs to be a law in place to stop these predatory XXXX 's. I was able to make the first weekly payment and I was in constant contact with them when I had to stop the payments due to my XXXX account being suspended, which was my main source of income. I was speaking to someone in their collections department and was about to start a payment arrangement, but then was contacted by their Pre-legal collector instead, demanding more money because they allege that I defaulted on the contract. I never defaulted if I was trying to make payments. I simply sent a letter requesting to stop automatic payments and to revoke power of attorney because my attorney recommended that I revoke it, no company should have that power. 

The Pre-legal collector checked my banks to see that I had no income and agreed to allow me to make smaller payments, then offered an extension when I showed proof of a recent XXXX, not allowing me to work, but they started demanding full payment again and the lowest settlement they would take is {$8500.00}, and I only had a few days to pay. I don't have that kind of money, the entire cash advance went back into the business to obtain inventory which I could no longer sell on XXXX due to account suspension. Now when I try contacting them multiple times, nobody responds. They just filed a UCC lien against me, an individual, not a company, which should also be illegal. Now I can't access the small amount of funds I had during this difficult time. I am XXXX and a hurricane just hit, causing me great loss. These people should not be allowed to destroy people 's lives like this. 

Please see the FTC complaint against RCG Advances, LLC
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, TransUnion, & XXXX will not mail me a file disclosure of my credit report. After forwarding certified letters over the past several months, I am being rejected to view my report.
Product: Credit reporting or other personal consumer reports

The purpose of this complaint is to have several unauthorized hard credit inquiries removed from my credit report. I received a copy of my credit report from your bureau on XX/XX/XXXX and noticed that there are unauthorized inquiries listed. Kindly investigate my claim in accordance with the Fair Credit Reporting Act. If you find any unauthorized inquiries, PLEASE REMOVE THEM AS QUICKLY AS POSSIBLE and send me a copy of my new, accurate credit report. 
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: Credit reporting or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Americollect has placed an account on my credit reports in the amount of {$52.00} for an original lender of " XXXX XXXX XXXX XXXX '' it appears to be a medical debt that I know nothing about and I was not provided with any communication in reference to this account nor able to request a VOD or a payment arrangement before Americollect started damaging me credit. If I received services what were they, when were they, what were they for, and were they billed properly through insurance, and if so was I ever offered an arrangement and why would the account type be NOT REPORTED and what type of credit limit do I have with them? I have received NO WRITTEN COMMUNICATION FROM AMERICOLLECT and the first attempt for them to reach me is to damage my credit
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX am submitting this complaint on behalf of myself with no help from anyone. 
I am a natural person, and consumer seeking assistance from the CFPB in regards to a matter I am having difficulty resolving with Transunion, consumer reporting agency. 

TRANSUNION is committing identity theft against me ; I have informed TRANSUNION that they are incorrectly spelling my name. My name is XXXX XXXX, yet my report states XXXX XXXX, a name I have never went by. I have mailed in my license a numerous amount of times, yet TRANSUNION claims theyve never received any mail by me. I have attached a copy of my license along with this complaint. 
Second issue I am having is Identity theft with companies, I have filed two FTC reports, as well as a police report, which TRANSUNION is again stating theyve never received. Ive disputed these accounts below as Fraudulent, identity theft, but yet again TRANSUNION is not honoring their duty to me as the consumer and conducting a proper investigation. I find is funny how XXXX, and XXXX have followed the laws, and removed these accounts but TRANSUNION somehow can verify, or cant block or update MY PERSONAL INFORMATION, as if they personally know me. 
Let me remind you TRANSUNION, youre in possession of my consumer report, it is your obligation and duty, to make sure the information youre reporting to my consumer report is completely accurate! 
FTC report number # XXXX, the following accounts are included in my FTC report, let me again remind you that according to the FCRA you have a duty to block these accounts from my consumer report within 4 business days of receiving my dispute. I have attached a copy of my credit report to show what accounts are fraudulent. 

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: Credit card

I have purchase a computer on XXXX on XXXX XXXX XXXX for the amount of {$540.00} and selected paying with a XXXX XXXX Account option that allowed me 12 months of interest free payment. I have never received a bill for that transaction until I 've received a collection call on XXXX XXXX XXXX. 

I was informed by a collection agent that I now own them {$730.00} which includes the original amount plus interest fees of 25 % plus late fees. After conversation with multiple agents, I find out they were sending the bill to XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL, an old address I have n't lived in for over three years. However, the original order invoice shows my correct billing and shipping information. 

I was also informed the company pursuing the charge is Paypal Credit, which also operates under the name of Bill Me Later and XXXX Preferred account. 

Since I moved I have also updated my address on both my XXXX and Paypal.com accounts long before that transaction. 

Because the transaction was originated from XXXX, and under XXXX preferred brand, I was giving the impression was I doing business with XXXX. The use of multiple brands is confusing and it is was not clear I was doing business with PayPal credit. 

Because the order was placed with the correct billing address, and I have updated my address information on both XXXX and Paypal websites, I believe there was a failure to send bills to my current address, which qualifies as a billing error under the Fair Credit Billing Act ( FCBA ). I am not disputing the debt, however I should not be responsible for financial penalties and interest charges as I never had the opportunity to pay for that debt.
Product: Vehicle loan or lease

I am writing to provide an urgent update regarding my ongoing complaints against Titanium FundsXXXX XXXX XXXX XXXX XXXX numbers XXXX & XXXX. 

I have recently received the attached communication from the lender on XX/XX/year>, which I find to be extremely concerning and potentially unlawful. The language used appears to be a direct attempt at retaliation and coercion, in response to the complaints I have filed with your office. 

Additionally, I want to inform you that the lender attempted to charge my card for {$400.00} again today, despite my previous disputes and the open CFPB complaints. This appears to be a continued effort to unlawfully extract payments from me. 

Specifically, the lender 's actions may constitute violations of the following laws : XXXX. Fair Debt Collection Practices Act ( FDCPA ) : - The threatening language, demands for immediate payment, and attempts to charge my card without authorization could be considered abusive, unfair, and deceptive debt collection practices prohibited by the FDCPA. 
- The FDCPA prohibits debt XXXX from harassing, oppressing, or abusing consumers. 

XXXX. Retaliation for filing CFPB complaints : - The escalation of tactics, including the attempted unauthorized charge, shortly after I filed CFPB complaints suggests the lender may be retaliating against me, which is strictly prohibited. 

XXXX. Truth in Lending Act ( XXXX ) : - The lender 's vague references to " additional costs '' and " remedies '' XXXX constitute a failure to properly disclose the full terms and conditions of the credit agreement as required by XXXX. 

XXXX. Potential breach of contract : - If the lender is threatening actions that go beyond the original credit agreement, such as imposing undisclosed fees or attempting unauthorized charges, that could be considered a breach of contract. 

XXXX. Potential violation of state consumer protection laws : - The lender 's tactics may also violate applicable state-level consumer protection laws prohibiting unfair, deceptive, or abusive practices. 

I believe this communication from the lender, along with the attempted unauthorized charge, constitutes retaliation for my having filed complaints with the CFPB. I am deeply concerned that they may attempt to take further adverse actions against me if your office does not intervene promptly.
Product: Mortgage

It's XX/XX/XXXX and McCue Mortgage still has not paid my taxes. Even after telling them this they said they would pay it in a timely fashion ... NEXT MONTH. It's due today. They are refusing to pay it.
Product: Credit reporting, credit repair services, or other personal consumer reports

The items listed below are reported on my personal credit file and were found in my reports with 3 credit reporting agencies. These items were 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 regard to identity theft. Additionally, the credit reporting agency & 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 items removed from my file. 
XXXX XXXXXXXX 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: Credit reporting, credit repair services, or other personal consumer reports

The term breach of security means, with respect to unsecured PHR identifiable health information of an individual in a personal health record, acquisition of such information without the authorization of the individual. 

I have reached out several times to XXXX XXXX and Experian and have gotten no results. The proof that was sent to me was a medical bill with my private health information. Experian has violated HIPPA and so has XXXX XXXX and still, the items are being reported. Please respond and explain how and why you are still reporting HIPPA information from XXXX XXXX.
Product: Debt collection

There is a collection on XXXX and XXXX that I have tried disputing but did not come off. The collection had come off XXXX only. The collection is titled CCS Collections for the amount of {$2300.00}.
Product: Mortgage

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX CA XXXX PHH Mortgage Services XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX, 2018 Regarding : Loan Number XXXX Dear CFPB, The mortgage escrow statement is missing the subject property address. I believe mortgage servicing laws require all mortgage statements have the property address associated with the loan on the statement. 

I received a mortgage escrow statement accompanied by a large check. I called the mortgage company PHH to see if they missed one of my insurance renewal payments. Some of my properties have more than one insurance policy. After three ten minute holds a consumer service rep verified my information. She verified my full name, mailing address, loan number and social security number but then would not verify the property address associated with the loan number and mortgage escrow statement I had received and was calling about. I explained I have more than one loan with PHH and I did not know which property this statement was concerning. Without knowing what property we are talking about we could not have an intelligent conversation about any propertys insurance renewal payments. 

I asked to speak with a supervisor and was told no one was available. I was told a supervisor would call me back within 24 hours. No one has ever called me back. The statement shows last years insurance was {$1300.00} and this year they only expect to pay {$590.00}, you would think that would raise concern. 

So now I am in a position where I do not know if the insurance on one of my properties will be renewed. I will only be able to find out after the policy has lapsed and my insurance company sends me a notice of non-renewal for lack of payment. PHH will possibly leave me in a position of great loss if my property is uninsured. The idea they will not tell me which property they missed the insurance renewal payment on is nothing short of negligence. 

I look forward to your assistance with this matter. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I've tried to refinance my car through companies XXXX XXXX suggested me. 
It was pre-qualify applications, that's why i've applied. 
As i know pre-qualify means soft inquiries, not hard ( i read this information from internet ). 

After that, i got a lot of hard inquiries to my account, that's why my credit score dropped from XXXX to XXXX ( XXXX points ). 
I got a lot mails in my mailbox from credit unions i don't recognize. 

I've applied number of times for credit cards, but got denied ( all of this are my applications ), but i didn't give the consent to credit unions to make a hard inquiries to my account. 

That's why i think all this inquiries should be removed from my credit reports,
Product: Credit reporting or other personal consumer reports

Requested a copy of the Free Annual Credit Report from Equifax on or before XXXX XX/XX/year>. Received a denial letter today, XXXX XX/XX/year>, stating I had already received a report, I did not request a report from them in at least five-years, and one would be furnished for {$7.00}. I called Equifax and waited a time. At XXXXXXXX XXXX  XXXX ) an operator answered, I presented the issue and he said I was already given a report in the past 12-months. I was told if that was true, when and where was that report sent? It was no longer not receiving a free copy it is when and where did you send the unrequested report? He refused my request for a supervisor and held the line that the obligation of one free credit report every 12-months was met. I would not wait as lobg as I did to cheat a free credit report. I want to know where that report was sent and to whom, it was not me.
Product: Credit card

I have a Capital One security card that I 've had for almost a year it has reported to my hard inquiries but it has never reported to my actual credit score or accounts through any of the credit bureaus. I have filed XXXX dispute through Capital One and they 've done everything on their part. The credit card is basically nonexistent on my credit accounts through all the credit bureau 's. This is affecting my credit score and my life and it 's been going on for way too long. What is my next step to get this on my account?
Product: Credit reporting or other personal consumer reports

To my dismay, I found unauthorized credit inquiries on my report today, with no idea why. I refreshed my browser, hoping it was just a glitch, but unfortunately, the problem remained. I am extremely frustrated and am requesting that the documents Ive sent be thoroughly examined, so I never have to deal with this issue again.
Product: Credit reporting or other personal consumer reports

My student loan is paid off and still reports as open. XXXX XXXX XXXX XXXX XXXX acct # XXXX
Product: Debt collection

I have written to the company, XXXX XXXX XXXX on two different ocassions requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. I stressed to them that I was requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay them.They have four accounts listed with them and I have been going back and forth with this company for a little over 2 years and they refuse to remove this wrongful information. They have responded by sending two letters for two accounts showing that I owe them but never sent any paperwork for these accounts with my signatures and never responded about the other 2 accounts that I requested information on. I am constantly called every day by this company and they refuses to give up. I have informed them on many ocassions that I am not paying for something that is not my account.
Product: Credit reporting or other personal consumer reports

My repeated efforts to resolve the presence of fraudulent and inaccurate information on my consumer report have gone unaddressed, leading to profound personal consequences. As a victim of identity theft, I never authorized or consented to these entries being associated with my name, and their continued presence has generated significant XXXX  and XXXX  while negatively impacting my financial wellbeing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my credit report and it shows XXXX XXXX XXXX this information is not correct. I have already contacted XXXX XXXX and this account is not showing in my credit report. As you can clearly see XXXX is showing is always paid on time while Experian is showing in collection. This account was always paid on time. please remove the late payments. They must show documented proof that this account was late. 
XXXX already complied and removed this account from my credit report
Product: Credit reporting or other personal consumer reports

Please be advised Equifax, XXXX, XXXX are refusing to remove my Bankruptcy and old addresses, phone and old employer information from my credit file. The information was provided by XXXX XXXX and the bankruptcy on my credit report has not been verified by me nor has it been permitted by me nor does it has a signature by me to be placed on their platform. I wish to have my Bankruptcy removed from all three credit bureaus starting with XXXX. Thank you XXXX XXXX