23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

We have a home loan with USBank, and we 're told our insurance 'ran out ' as of XXXX XXXX, 2015, and were sent a letter dated XXXX XXXX stating we needed to provide proof of insurance, or US Bank would buy insurance for us. After repeated faxes and emails to the contact information they provided, our insurance carrier says the emails keep bouncing back, and when I call US Bank, they have no record of the fax being received, either. Several years ago, we received a very similar letter from US Bank, also stating our insurance had expired, and if we did n't provide proof of insurance, they would buy insurance for us. At that time, we did n't call US Bank, since a call to our insurance provider verified we had uninterrupted coverage for the property, and they faced a copy of the policy to US Bank. However, what we did n't realize at that time was that US Bank had changed their fax number, but did n't notify the insurance company or provide them with a new ( correct ) fax number. Because they 'never received the fax ' they charged us for the cost of US Bank purchased extra insurance, and would n't remove the policy and extra cost, even after we provided proof of continuous insurance. They added this extra cost onto our insurance, without notifying us. It was several hundred dollars more a month, for over a year. My fear is that they are going to do the same thing this time, since they have n't been able to provide a correct fax or email address to either us or our insurance carrier. Because US Bank makes a substantial profit on the sale of this type of insurance, my belief is they intentionally change their fax numbers, ensuing insurance updates do n't come through, and charging homeowners for the extra insurance. I have spent over 5 hours in the past few days on the phone with them, just trying to get the correct contact infoation to give to our insurance provider, and each time I get a different email/fax, and each time it does n't work.
Product: Debt collection

I saw a collection balance on my credit report. I called collection agency. No one wanted to help me as the collection amount was inaccurate. I asked the collection agency to very the correct amount with the phone company, they refused to follow protocol. They sent me back to XXXX to dispute. When I call XXXX, all of the representatives did not want to help me. They said account was over 4 years ago. They did not want to send me any billing statements to prove the amount they are asking for. Instead, I was transferred to many departments, hung up on, and outside of country representatives that did not care to help me resolve this balance. I even told the representative that I received a final letter that states if I did not pay {$590.00} within 7 days, that balance will be sent to collections. Please explain how a final bill of {$590.00} turn to {$1300.00}? I explained I will only pay {$590.00} as stated on my final bill. They said I need to pay {$1300.00}. I need help.
Product: Credit reporting or other personal consumer reports

When I reviewed again my credit report, I discovered that some of the information was still erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Debt collection

I have recently noticed that there have been late payments recorded on my account for the following months XX/XX/2023. I kindly request your understanding and assistance in removing the recorded late payments from my account history. I am committed to ensuring a more consistent and timely payment schedule in the future and value the positive relationship I have with XXXX. 

XXXX XXXX XXXXI am NOT late on XXXX 2023. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX customer service representative. 

I am aware that the company has policies in place regarding late payments, and I sincerely hope for your understanding and consideration in this matter. If there is any additional information required or a formal process to follow, please guide me through the necessary steps. 

Thank you for your time and attention to this request. I appreciate your efforts in helping me maintain the accuracy of my account information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I`m writing on behalf of my client, XXXX XXXX XXXX Her former creditor, Banco Popular de Puerto Rico ( BPPR ) sued her on 2016. After several processes she reached an agreement with BPPR with the full consent of the latter. According to this agreement she agreed to pay {$180000.00} as part of a Short Sale to end the judicial process initiated against her by BPPR. She paid fully the said amount and BPPR agreed to cease the judicial process against her. XXXX XXXX XXXX and BPPR authorized the notarization of this agreement. Nevertheless, BPPR maintains inaccurate or incorrect information about her credit that seriously affects her.
Product: Debt collection

I am being asked to pay a medical debt of {$1500.00} for services that incurred when I was a minor ( XX/XX/XXXX - XX/XX/XXXX ). I didn't sign any paperwork stating that I would be financially responsible for these services because as a minor it would be illegal for me to do so. 

My Mother did sign the paperwork stating she would be financially responsible for the services I were to receive. 

She unfortunately did not remain true to her word and left the services unpaid. Fast forward to XX/XX/XXXX my mother received a phone call stating that " she had not been receiving statements over the past 2 years because we changed systems. I explained that she has an outstanding balance but that her account is not in collections due to the fact she has not received statements. she said that she is unemployed currently but she agreed to do $ XXXX  monthly towards her account sent statement today-tw '' XX/XX/XXXX " Statement was returned today as undeliverable although she verified her address before I sent it. I tried calling but her number is now disconnected. if she does not make payment by next billing I will call again or she will go to XXXX. -- XXXX '' XX/XX/XXXX " XXXX has not made payment since XXXX. Tried calling, no answer. Send to TekCollect - XXXX '' So now this debt has been put on my credit and has been harming my credit score even though it clearly shouldn't. 

I've talked to the business where I received the services ( XXXX XXXX XXXX ) as a minor and they insist that since I'm of legal age now I owe the debt. 

I also tried to dispute it with the collection agency ( TEK COLLECT ) and they deemed the debt to rightfully belong to me instead of my mother. 

I firmly believe that this is not my debt but my mothers and I want to make sure this gets removed from my credit report and added to hers. My mother also believes this and has tried to contact the business where the services were rendered to get the debt transferred to her but - they refused to comply and insisted that she could make payments but the debt would remain under her daughter name and social. 

Also my mother and I share a similar name but you can clearly read that the signatures on all the paperwork is her name and not mine - and the dates when it was signed would have been when I was a minor.
Product: Credit card

I had a charged off credit card from Chase. They sent me a XXXX, that I added to my 2012 tax return. Chase continues to show that I owe that money, even though, I claimed it as income. This is effecting me, in getting a VA loan, because they are scared Chase can put a lien on the loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I was made aware of the XXXX  credit breach so i went on their site and found out my personal information was exposed during the breach. I then ordered my credit report and discovered there are accounts on my credit that I did not authorize. Please research the Amercian Express card that was opened in XX/XX/XXXX, and the XXXX  XXXX  that was opened in XX/XX/XXXX, and the XXXX XXXX XXXX account that was opened on XX/XX/XXXX.
Product: Money transfer, virtual currency, or money service

PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is affecting me a great deal as I used PayPal quite daily to support my family and daily expenses. Most of my transaction is online because of this pandemic ( COVID-19 ). My email linked to my PayPal is " XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been brought to my attention that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2023
Product: Credit reporting, credit repair services, or other personal consumer reports

I call XXXX, EQUIFAX and XXXX sent certified mail from them to remove unauthorized inquiries
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been filing disputes with the credit companies as well as with the company itself in regards to CNAC attempting to sabatoge my credit standing by re-aging a debt. I have pulled all three of my credit reports multiple times this year, and they are reporting a different date for the last payment to each different credit company. When I reach out to anyone, they all keep saying the account information is accurate. How can it be accurate if you are reporting something three different ways? I am prepared to seek legal action if this account can not or will not be removed from all of my reports. This is blatant disregard of the law. Re-aging debt, as listed under the Fair Credit Reporting Act is illegal.
Product: Checking or savings account

I cashed a paper check from my employer on XX/XX/2024 for {$2600.00}. Initially it appeared that the check was properly deposited, then I got a phone call yesterday ( XX/XX/XXXX ) from fraud management at citibank saying there was an issue and to call them back. I called them back immediately and waited on hold for at least 20 minutes. Then I was told that the check I tried to cash was deemed to be fraudulent so a hold was placed on both my checking AND my savings account. I was told the only way to fix this issue was to have the maker of the check call and verify it. The following day, I had both a representative from my finance department and a representative from the county commissioners office that I work for reach out to Citi. They still have not removed the hold. I have called them several times and no one answers ; no one even speaks good XXXX. I have been hung up on both times I have asked for a supervisor. The veracity of the check has been proven by two individuals from my office and yet all of my money is still frozen. I was also told to go to a local CitiBank office to meet with someone in person but there are no citibank offices in the state of Colorado where I live.
Product: Credit reporting, credit repair services, or other personal consumer reports

Investigation Request Letter To Whom It May Concern : I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. I am not saying they are reporting right or wrong. I am just saying that I am not 100 percent sure if they are. I also read something called the Fair Credit Reporting Act where it said by law, I had rights to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of which made me write to you all. Are you familiar with something called 15 U.S.C. Sec. 1681 ( a )? I heard that if you can't provide proof, these accounts must be deleted. Well I want these accounts deleted if they are not 100 percent right and correct. So, could you please check on these and get back with me? I saw on a XXXX XXXX and XXXX where this lawyer said you have 30 days to complete this investigation. Please investigate the following accounts and remove them if anything is missing or not correct on them accounts. XX/XX/2022, 15 USC 1681 section 603 ( 3 ) ( E ) States ; The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of consumer or from the consumer. 
They also violated my rights numerous times. The credit hurosue vinlated my nivenrin Nor 15 1100 1601 identify you and your account. Consumer reporting agency when such information was obtained directly from a creditor of the consumer or the consumer. They also violated my rights numerous times.The credit bureaus violated my given rights under 15 USC 1681. According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy. According to : 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 According to : 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 is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is that removing XXXX accounts that were fraudulently open in my name one of them being XXXX XXXX, 2019. 
XXXX  XXXX 2019, XXXX  XXXX 2019. Send my federal trade commission identity theft report, police report several times for them to remove it and they have not. Every time I call the call gets dropped or they say they have a trouble.. How long does it take to process something this is ridiculous venting me from moving out of my life I cant get it I dont know I dont get anything until the living room and they are not authorize them nor did I ever apply for anything like that
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted several dispute with XXXX, XXXX and transuion for a medical bill reporting on my credit report, and also my mortgage company XXXX XXXX XXXXXXXX reporting inaccurate missed payments. 
I have attached the results of the dispute of the medical record reporting on my credit report. The item still hasn't been removed, it was added to my report a second time after the dispute with a new open date of XX/XX/XXXX. 
My credit score has dropped significantly due to the bill reporting on my credit report. I have shown proof that the bill was to be paid by workers compensation settlement in XXXX. 
I have also submitted a dispute against my mortgage company for reporting inaccurate missed payments. I submitted proof that the payments were mad on time. Some of the missed payments were corrected, then added back to my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 
Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
1. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX 2. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : 1 XXXX XXXX, NC XXXX 3. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/2022 Delete this account. 
XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/2022 Delete this account. 
XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/2022 Delete this account. 
XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/2022 Delete this account. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2022 Delete this account. 
XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/2022 Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX XXXXXXXX XXXX  Account Number : XXXX Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Delete this account.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute certain information on my credit report. Upon reviewing my credit report, I noticed that there are multiple addresses listed under my name that are inaccurate. These addresses need to be deleted immediately as I do not live at these addresses. My only address XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX TX XXXX. 

The addresses in question are as followXXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Address Identification code : XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Address Identification code : XXXX I did not reside at these addresses and they are incorrectly associated with my credit file. I request that you kindly investigate these discrepancies and remove any inaccurate address information. 

Please provide me with the results of your investigation, along with an updated copy of my credit report once the corrections have been made. If you require any additional information or documentation to complete your investigation, please do not hesitate to contact me.
Product: Checking or savings account

On XX/XX/XXXX, {$3700.00} + {$48.00} = {$3800.00} was deducted from my checking boa account # XXXX, so I called usps postal service accounting Dept, checking every money order ss #, amount, code, all usps mo I had deposited into my boa account on XX/XX/XXXX, all MO cashed On XX/XX/XXXX ( usps ref tot XXXX ) so I request to refund me $ XXXX {$48.00} = {$3800.00}. Thanks in advance. 

When my boa accnt XXXX was closed on XX/XX/XXXX, {$3800.00} was never deposited or refunded to me. In final closing letter from boa, {$3700.00} + 4x {$12.00} was deducted, Complaint #  XXXX and XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

USAA is re-aging and fraudulently reporting incorrect information on all three of my XXXX 's and directly impacting my ability to obtain a mortgage. USAA is reporting the date first major delinquency reported as XX/XX/XXXX. USAA is also reporting major delinquency XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX and XX/XX/XXXX. None reported as XX/XX/XXXX. Second, the account is not late 189 days. The account is not in collections. USAA charged the debt off after they were advised the charges were based upon fraud and forgave the debt. This conduct is retaliation on the part of USAA.
Product: Mortgage

In XXXX, 2021, Roundpoint Mortgage, without our knowledge, paid our insurance company ( XXXX ) our home insurance premium for the upcoming year - {$1100.00}. This amount divided by 12 equals {$96.00} a month. Roundpoint then added {$230.00} per month to our mortgage payment for escrow. Our closing documents state escrow for {$38.00} a month for flood insurance only. Since that time we have been unable to resolve this issue. Have had multiple phone calls lasting up to 3 hours. We have paid Roundpoint {$1300.00} over 3 different payments to cover their {$1100.00} payment made to XXXX yet they still say we owe more money and are late on our mortgage payment. They sent threatening letters mentioning credit bureaus, etc. ( Husband and I both have excellent credit in the high 700s ). I've asked to speak to a supervisor but request was denied. I've sent Roundpoint the requested documents to request removal of homeowners insurance escrow - first rejection letter back stated escrow account had a negative balance, second rejection letter stated no because we have been late with payments within the last 12 months. We have made our regular mortgage payment of {$1000.00} every month, just not the additional {$230.00} a month for the escrow we did not want in the first place and have paid over the original amount to fix. When I've called them I am sent into a 'black hole ' of reps whose speech is difficult to understand. Their insurance department just transfers me back to customer service. As stated above, husband and I have been trying to resolve this issue since XXXX with minimal headway and no end in sight. My husband is in poor health and the stress of the situation has negatively impacted him. Roundpoint appears to be a 'bait and switch ' operation and as consumers, it appears we have no recourse and can not request another company to facilitate our mortgage payments. We are requesting the homeowners escrow that we never requested/agreed to be removed from this account, and the amount we've overpayed refunded back to us. Please help!!
Product: Debt collection

First contact was made on  X/XX/17    gentlemen informs me I have an outstanding balance on a loan. I inform the individual that I 'm not aware of a loan and would like to see a promissory note of some sort. The individual became rude, condescending and refused to provide evidence that I was ever responsible for the loan. So I informed the gentleman that I would not make any arrangements until proof could be provided. The gentleman then began making claims that they would proceed with legal action and verifying my employment. I then reinforced that no arrangement would be made and then asked that all communications cease. Since I have received calls on  X/XX/17   ,  X/XX/17   , and  X/XX/17