23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I purchased insurance on my home on XX/XX/XXXX to comply with my reverse mortgage. On or about XXXX XXXX XXXX, I received a notice from XXXX claiming I had not purchased insurance on my property. I wrote them back on XXXX XXXX with all the information they requested about the insurance I had already purchased. On or about XX/XX/XXXX, I received another letter from XXXX claiming that I had still not purchased insurance on my property. I called them back right away and the XXXX rep. took all the information again to show I had the insurance. XXXX  ignored all of my communications with them, and even though they had all of my information and could have called me or sent an email, on or about XX/XX/XXXX, I received yet another letter from XXXX claiming that I had not purchased any insurance. I notified the agent for the insurance I had purchased back in XXXX, and he sent a fax to XXXX  on XX/XX/XXXX with all the information about my policy. I also on that date sent a certified letter to XXXX informing them of the many attempts I had made to inform them that I had insurance. On or about XX/XX/XXXX, I received a letter from XXXX  that they had used my funds to purchase a second insurance policy on my home, and that the purchase would show up on the next report of how much I had available in my line-of-credit with them. 

As their actions have now cost me {$1700.00} to pay for a full year of what they claim is a second insurance policy on the same property, my home, and as they continue to ignore any communications from me, I am convinced that this is another scam to cheat the elderly. Can you help me, and what do you advise I do?
Product: Credit reporting, credit repair services, or other personal consumer reports

Account was paid in FULL XX/XX/2019. Balance still being reported As of XX/XX/2019 balance still showing on all three credit reporting agencies with one last reported date being XX/XX/2019
Product: Credit reporting 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 ITEMS. 
XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX  XXXX Balance {$0.00} XXXX  XXXX Balance : {$16000.00} XXXX  XXXX Balance : {$620.00} XXXX XXXX Balance : {$6900.00} XXXX XXXXXXXX Balance : $ XXXX XXXX XXXX XXXX XXXX Balance {$1100.00} ( Original Creditor : XXXX XXXX ) XXXX Balance {$230.00} XXXX  XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XX/XX/2023 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

I appeal to your service to have all three reporting services ( XXXX, XXXX, TransUnion ) remove the middle initial from my name. I continue to receive mail with a middle initial which, in my lifetime, have never used. Despite several requests to said reporting services to correct this mistake, they continue to carry my name with a middle initial.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, XXXX, Experian and XXXX has not answered to my dispute. According to the Fair Credit Reporting Act, the Credit Bureaus must complete their investigation within 30 days. I believe it was reporting in error. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

On XX/XX/XXXX, was notified by Shellpoint interior inspection cancelled. I was told by the inspector on XXXX. I had notified my grandchild tested positive for Covid and I also told my XXXX. I said they could come on XX/XX/XXXX. I guess I'm at fault who knows. 

Also told my XXXX about XXXX from my state has sent over to Shellpoint that I was eligible. Still no response on that subject. 

Now I don't know where I stand on the modification. 

So I get responses when I send a complaint to CFPB.
Product: Credit reporting, credit repair services, or other personal consumer reports

For a year now I've tried to get my credit where it should be. Due to 1. Wrong accounts. - not my bill. I've talked to the company 's myself and the 3 credit bureaus XXXX XXXX XXXX EXPERIAN ) WELL ON XX/XX/XXXX I check my credit to see if anything had been resolved. Well my score on XXXX   went up 102pts. Everything was mine. It was perfect. Not in credit score but it was true. Chrck it the next week to see if tge OTHER 2 got tge memo. Oh no and XXXX put everything back on it and put a hard inquari on it on a day that I call to talk yo them. My score that went up 102 dropped 192pts. So it cost me 90pts to call XXXX about my credit? Now XXXX  has taken everything off my report idk why and I have a XXXX!!!! A XXXX!!!! XXXX has helped with some if the wrong info off their report. I've got a XXXX. I should be around a 698. But they are working on it. EXPERIAN don't give a XXXX they got all my info wrong STILL and don't care. So get this here 's my scores. XXXX!! I'm tired of these companies dictating my life. My condo has black mold in it we just found out. I've been very sick for months. I need to move and can't because of companies XXXX with my life. I don't have a lot of credit period. And what marks are mine I admit to. But it tell you what I will not let them play with my life and now health anymore. They have a month to get it fixed. It might cost me for the rest of my life but if it's happening to me it's happening to others. Oh and great XXXX  who are acting like babies giving me a XXXX. They got breached and my info and license numbers was hacked. I have like 20 hard inquiries that aren't mine. And Experian well well well I've cancelled my app subscription and they still try to take it out of my account daily!! I need some help quick! My family should not have to suffer for these companies Lies and laziness
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/2023 I received my investigation back and you stated you completed a fair investigation and these accounts are 100 % accurate. 
But can you please answer this one question. How did you investigate these accounts? 
Because according to the fair credit reporting act 15 U.S. Code 1681a this is how you are supposed to investigative my consumer report Did you interview my neighbors?

Did you interview my friends?

Who did you talk to?

1 more thing can you please tell me how everything is 100 % accurate if the date open, date last active on these accounts are not reporting the same Information.

You have violated multiple laws below : 15 U.S. Code 1681a 15 U.S. Code 1681 15 U.S. Code 1681i I demand you delete the accounts from my credit report, I listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Delete!! these accounts immediately or you will be held responsible for {$1000.00} per violation Send me updated credit report with the accounts permanently deleted
Product: Credit card

FRAUD I NEVER OPENED THIS ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit account was opened without my knowledge. I have tried to dispute multiple times but went nowhere. Im very frustrated because it seems all my disputes are being ignored.
Product: Mortgage

My main issue is that Bank of America ( BofA ) required me to over insure their loan collateral. I owed BofA approximately {$260000.00}. in XXXX of XXXX and they required insurance coverage of {$730000.00}. As a result, their cost estimator of {$730000.00} was over the XXXX XXXX XXXX 's upper limit of coverage resulting in a XXXXXXXX XXXX non-renewal. As you can see from the attached documentation BofA charged me {$9700.00} for {$730000.00} in Insurance coverage from XX/XX/XXXX through XX/XX/XXXX. I tried to get another insurance company to write my XXXX insurance but couldn't find anyone along with my insurance agent looking as well. My insurance agent is XXXX XXXX with XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX, Phone : XXXX XXXX XXXX. In order to get XXXX XXXX XXXX XXXX to write a new policy within their limits of coverage I had to get a 4 Point Inspection and a Wind Mitigation report which was costly and time consuming, but it did result in a decreased replacement cost estimator. Attached is the new " Evidence of Property insurance '' document based on a cost estimator of {$580000.00} instead of the {$730000.00} amount that BofA used. Also attached is a letter from BofA stating that I had 30 days from XX/XX/XXXX which was the date of their letter to provide proof of insurance. Due to need of obtaining a new cost estimator cost ; which required the two inspections mentioned above along with an additional 30-day grace period for new XXXX 's policies to take effect, I couldn't make the XX/XX/XXXX deadline and instead had to wait until XX/XX/XXXX for my new XXXX policy to take effect. I've been with my mortgagor ; BofA, since XXXX along with XXXX XXXX as well and considering the circumstances of BofA 's inflated replacement cost estimator one would think that BofA might be understanding and considerate enough giving me more time to obtain the appropriate XXXX coverage. Since XXXX I've kept my XXXX and XXXX & XXXX along with my flood insurance current and continuous except when BofA comes up with an impossible inaccurate replacement cost estimator. 

My mortgage account number with BofA was recently changed to XXXX from my old account number XXXX. The address of my insured home mortgaged by BofA is XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX. The XXXX XXXX XXXX XXXX policy number as reflected by the attached XXXX document is XXXX. Their address is XXXX XXXX XXXX, XXXX XXXX NC XXXX and their phone number is XXXX XXXX XXXX. XXXX 's annual premium as reflected by the attached document was {$32000.00} but supposedly {$23000.00} was returned to my BofA account due to my new XXXX 's policy taking effect on XX/XX/XXXX. If you do the math the charge to my BofA account comes out to {$9700.00} for the XX/XX/XXXX through XX/XX/XXXX coverage. I'm XXXX years old and bought my home 30 years ago come this XXXX and can't afford to pay the {$9700.00} due to insurable inaccurate technicalities. Please see what you can do to help me out here. Thank you for your time and consideration. 

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

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiries : XXXX XXXX Date of inquiry : XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX
Product: Mortgage

XXXX XXXX XXXX XXXX. We paid off our loan on XXXX XXXX 2020, the company showed an escrow balance and we called to confirm this was correct. They said yes verbally and digitally on the website. 

They then closed out the account and sent us a check for over {$2700.00} less. We have called for the explanation, why the huge difference, and they said it was because we didn't make a XXXX payment. This did not make sense, because we closed on XX/XX/XXXX. They received the wire transfer in the first week of XXXX and notification ahead of time. They applied it on the XXXX and on the XXXX ; which also didn't make sense, if they received the single payment, why break it up and space it out over days but record it on the XXXX. 

We have called and spoke to management over 5 times, each time it was a different story and the numbers changed. XXXX XXXX was the last XXXX. Their object now is to not answer the call or put us on and off hold for hours until we get upset and hang up. 

We have been cussed out more than once when they thought we were on silent or hold. 

For my wife 's first home buying experience this has been a nightmare. 

XXXX XXXX They claim all of this security and safety of your private information, but we are constantly being called and receiving mail by XXXX party people that are marketing business partners.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are 2 names on my credit report. My name and XXXX  and my twin name is XXXX. XXXX XXXX XXXXXXXX, XXXX and Discover I didn't apply for anything from these companies. 
Also my address is wrong I never lived in XXXX, NC  nor XXXX, Virginia.
Product: Bank account or service

On XXXX/XXXX/2016, I received an email from by banking institution which is BB & T bank. It stated that I over drafted my checking account. I thought this could not be possible as I had {$1600.00} in my account and my federal tax refund coming in at the same time which was over {$3000.00}. Upon calling BB & T, they stated that yes in fact I did have {$1600.00} in my account in the XXXX of XXXX/XXXX/16 however, their system pulls all debits first and then posts the credits to the account. Even in the debits and credits hit the same day, the debits are always pulled first. Therefore because I had all of my bill pay items hit on XX/XX/XXXX, my account showed a negative first because the tax refund hit my account after all the debits are posted even if it was the same day. I am so frustrated with BB & T. This is just a way for them to make {$36.00} from someone who has way more funds in their account than what they are spending. I feel like the need a 24 hour hotline just so you can call and make sure your purchases the night before wo n't exceed your direct deposit in the morning. I never thought I would get an overdraft fee at the same time when I have {$4800.00} sitting in my checking account. In some way this has to be fraud.
Product: Credit reporting or other personal consumer reports

RE : XXXX  Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 



XXXX. XXXX - XXXX XXXX. CA XXXX XXXX - XXXX XXXX. XXXX XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXXXXXX Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter.
Product: Consumer Loan

RE : Capital One ( Secured Credit Card ) Account # ****************I received a letter around XXXX XXXX 2015 stating that my account was signifigantly pass due and that I should contact a representatuve ASAP. On XXXX XXXX I did so and the representative stated to me that I could pay the minimum balance of {$15.00} to keep my account from closing and out of collections. On XXXX XXXX 2015 I made a payment of {$15.00} and subsequently made payments of {$8.00} on XXXX/XXXX/15, {$18.00} on XXXX/XXXX/15, and {$5.00} on XXXX/XXXX/15 exceeding my minimum balance requirement of XXXX for XXXX. After making an {$89.00} payment on XXXX/XXXX/15 I spoke with Capital One customer service to check the status of my account and was informed that it had been closed and that I owed a balance of {$93.00}. I was told that my the {$190.00} security deposit had had been applied to my balance along with my membership fee of {$29.00}. I was told my account was closed on XXXX/XXXX/15. It was closed over a balance of {$100.00}, the original rep did not inform that to keep my account from being closed it would be {$100.00} or I would 've paid that amount I only paid {$15.00} because I was told that it was sufficient by a Capital One Rep. Now my account has been closed and Capital one has taken my deposit and never sent me anything in writing about my account closing or the other {$100.00} I added toward my security deposit which is the reason my account has a credit limit of {$300.00}, instead I still owe them owe them {$93.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

In the previous answer ( XXXX ) AFFILIATED MANAGEMEN did NOT provide me a HIPAA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPAA rights. I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation. I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a letter from XXXX XXXX dated XX/XX/2019, indicating I was denied credit because of a low credit score. The list of reasons for the low score provided by XXXX XXXX make clear that the file held by the reporting company XXXX XXXX contains errors. I have attempted to contact XXXX via phone, leaving voice messages several times over the last week, but they have failed to contact me.
Product: Mortgage

I received XXXX offers via e-mail ( and XXXX via regular mail ) from Caliber Home Loans with offers to refinance with claims on how I can save money by refinancing into what are obviously sub-optimal new mortgages. I currently have a 30 year 3.375 % mortgage with about 27 years left. They sent me XXXX offer that tries to sell me on the idea of refinancing to a new 30 year mortgage at 4.0 % because " Getting a lower monthly rate and paying less over the life of your loan just makes sense. '' The other offer was to get me to refinance to a 20 year 3.75 % mortgage, again an awful fiscal move. Again they use strong language " refinancing is an easy way to solve many of your mortgage worries. '' They do put a disclaimer on the e-mail that lists out all of their assumptions, but the exuberant language they are using to try to sell people on making what is clearly an awful fiscal decision is wrong and borderline predatory in my opinion.
Product: Debt collection

My recent credit report shows multiple accounts that I suspect were added without consent and are incorrect. I request immediate removal and blocking of these fraudulent accounts.
Product: Mortgage

Per case # XXXX, Ocwen sent old false paper work to justify their reason for raising the final pay-out of my loan after they were contacted by XXXX XXXX XXXX. Payment went from XXXX to XXXX. Ocwen was the 2nd Mortg. but they wanted the Insurance to be in their name. each year Ocwen would charge a higher insurance rate in-order to increase the penalty to my account, # XXXX
Product: Checking or savings account

Wells Fargo bank charges an extra balance inquiry fee on top of the regular non-network fee for using a non-Wells Fargo machine. I have never seen that fee at any other bank before. Also ATMs in XXXX usually ask if you want to do a balance inquiry first before the transaction occurs. I always answer no. Wells Fargo charges the fee anyway.
Product: Mortgage

I applied for payment assistance with Wells Fargo and was accepted until XXXX XXXX. The agreement was to pay $ 25 monthly until I was able to pay. In XXXX XXXX I found employment in XXXX, WA. I contacted my payment assistant representative and informed her of such, and that I would be putting my home in XXXX XXXX MO on the market. There was a contract on the house and I accepted it. On XXXX/XXXX/XXXX I received a disclosure for the closing on the home, Wells Fargo added an additional XXXX to my loan amount and when I called the representative stated that it was for foreclosure proceedings. I completely complied with the payment agreement, I was not aware that my home was in foreclosure and set to sell on XXXX/XXXX/XXXX. When I informed the representative that I had sold the house she told me to not send any more payments and the proceeds of the sale would be applied to the home. I am furious and I feel that Wells Fargo has been fraudulent.
Product: Credit reporting or other personal consumer reports

CREDIT REPORT FILE GENERATED ON XX/XX/2024 REPORT # XXXX.THE PERSONAL INFORMATION PROVIDED ON THE CREDIT REPORT IS INACCURATE, LATE PAYMENT ACTIVITY SHOWS INCONSITENCY IN ALL THREE Bureau.
Product: Credit reporting or other personal consumer reports

i recently reviewed a copy of my credit report i was shocked to learn that i have been a victim of identity theft. i found numerous accounts on my credit report that were not open by me. this has been hurting me as i am in the process of buying a home for my family. Please remove the fraudulent accounts from my credit report as soon as possible
Product: Mortgage

XX/XX/2018 : In the process of selling my home, Bank of America was given request for final mortgage payment. The buyers financial payment was ongoing and in collaboration with Bank of America. After 30 days in processing the payment for selling my home, Bank of America sent negative report stating 30 days delinquent to my credit account. I was not given a 45 day notice stating this would be placed on my credit report. The house was sold and the mortgage paid off but the delinquent notice on my credit report remains. I spoke with a Bank of America representative to explain that the home is in the process of being sold prior to their sending a delinquent report to my credit report. I explained to them that I had never been late after 14 years of owning my home. I explained again that the home was sold and total payment will be sent via closing company. I was under the understanding that all was Well with this process due to the fact that final payment is being processed and did occur. After I reviewed my credit report, it was shown that Bank of America is not a company to trust and the loyal customer is not valued by the Bank.
Product: Credit card or prepaid card

AMEX business platinum credit card 's representative informed incorrect information resulted in payment of unwanted annual fee / opening up a credit card.