23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I obtained a loan modification in XXXX from XXXX. After I got it, they sold my loan to another company. They in turn sold it to another company with it being sold every year. My taxes and homeowner 's insurance were part of my mortgage payment. When it went to XXXX in XXXX, they stopped paying my homeowner 's insurance and told me to do so on my own. I did so and have paid it myself for over three years. In XX/XX/XXXX my loan was sold to Selene. I continued to pay my own insurance for over a year and a half. Selene suddenly started accusing me of not having home owner 's insurance. I sent them verification that I did and they acknowledged that they received it and are aware that it is paid in full for the calendar year. All of a sudden, they have decided that they want to pay the insurance themselves and have increased my mortgage payment by {$260.00}. This is more than I pay yearly for home owner 's insurance. When I called them about it, they said it included my taxes. I told them that was not true as my taxes have not increased and I pointed out that my previous payment included my taxes without the insurance. Thus, the increase was for my insurance. They then said XXXX told them they paid my insurance when it was sold to them and that XXXX had last paid my insurance in XX/XX/XXXX. I told them this is not true as I have paid my insurance myself for 3 years. They then said they did an analysis when they bought the loan in XX/XX/XXXX and that's why I am now being charged for insurance. I asked them why did it take a year and a half for them to tell me they wanted to do this? Further, I advised that I never received any analysis or documentation from them about this, and that they had told me in writing, email and over the phone that they accepted that I would pay my own insurance. I also questioned why they were charging me more to escrow my insurance than I pay, and why they are charging me for insurance that is paid in full already. They said they would collect the money and have the insurance company refund the money that I paid them already. So in effect they would be voiding my paid in full policy for their own benefit. I talked to them about a waiver wherein I continued to pay my own insurance but was told I wouldn't receive one. So, they have lied about allowing me to pay my own insurance, the reason for the mortgage amount increase, about XXXX paying my insurance, and their property analysis which was never sent to me. The fact that they have consistently lied, and want to charge me for insurance that is already paid in full, and more than I pay is concerning to me. I want to pay my own insurance as I have previously done.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a loyal consumer of XXXX XXXX 's products for years. I have kept current with my payments all up until the pandemic where I lost my job. I still communicated with XXXX  XXXX in attempt to remain current despite my precarious situation. XXXX XXXXXXXX not only refused to accept payment from me, but also closed my account with my consent. In XXXX I communiated to XXXX XXXX that I would tender a payment to them which they refused to accept. It has recently come to my attention XXXX XXXX has reported inaccurate data on my accounts for months. This an example of fraud. They breached my privacy and furnished data they had reason to believe to be incorrect. They also furnished data not permissible under the Fair credit reporting act. The account is currently being reported as a charge off and charge off accounts are not valid debts nor a certificate of indebtedness. To still be reporting data on an account which was written off, charged off, and/or you received compensation for is tantamount to Identity theft. Attached is a copy of my identity theft report filed with the FTC. 

I have reason to believe this is a billing error. Not only is it a billing error but it is an example of willful inaccurate reporting by the furnisher. I am demanding you delete all late payments, remarks, payment status, and charge off status. Until a full file disclosure is delivered to my address in accordance with 15 usc 1681g ( a ) ( 1 ), all potentially negative or adverse information should be blocked until the dispute is resolved in accordance with the consumers desires. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX has acknowledged this account is under dispute yet is reporting the dispute as resolved every month. Pursuant to 15 U.S. Code 1681s2 ( a ) ( 3 ) the financial institution furnishing information to consumer reporting agencies must meet the requirement by reporting that the account is in dispute status. As of XX/XX/2022, the major credit reporting agencies are not currently reporting the account as in dispute status. This is a failure to meet the requirement of reporting my accounts as disputed information. 
A financial institution such as XXXX XXXX XXXX ( XXXX ) XXXX must provide a notice of negative information in writing to the consumer no later than 30 days after furnishing the negative information. The negative information notice can not be in a previous billing statement. I have not received such and I have reason to believe XXXX XXXX XXXX XXXX XXXX XXXX XXXX is in violation of 1681s-2 ( 7 ) ( A ) ( i ) by not meeting this requirement.

Pursuant to 15 U.S. Code 1681s2 ( a ) ( 1 ) ( A ) financial institutions like XXXX XXXX XXXX ( XXXX ) XXXX are prohibited from furnishing any information relating to a consumer if they have reasonable cause to believe that the information is incorrect. The phone calls and complaints delivered to XXXX XXXXXXXX XXXX ( XXXX ) XXXX along with the subsequent responses cause me to believe that XXXX XXXX XXXX XXXX XXXX XXXX XXXX is aware of the inaccuracies being reported and chose to willingly and knowingly report the information.
Product: Debt collection

XXXX XXXX - XXXX ( rental company ) sent a damages statement after we moved out. We called and told them that we believe these charges to be valid. We consulted with a lawyer and are only responsible for the depreciated values, assuming the damages are outside of normal wear and tear. We only spoke with the receptionist who said she'd pass it along, but told her we would need proof, including pictures, and receipts of installation to calculate depreciated value of the carpet, vinyl floors, and A/C cover. We did not hear anything back. 
XXXX, XXXX - I noticed a collections agency had late payment reports since XX/XX/XXXX and filed a dispute with the credit bureau as I was unaware of what they were. 
XX/XX/XXXX - FABCO sent first letter, the same damages statement XXXX provided, and an unsigned renewal copy of the lease from and a signed pet addendum with the wrong address from XXXX, XXXX as a response to my credit dispute. 
XX/XX/XXXX ( postmarked XXXX ) - I sent a request for proof of debt validation., requesting pictures of the accused damages, receipts of original installation, original value, and life expectancy of each item they were charging to be replaced, and requested the late payments be removed from my credit score for the dates I was never notified of the debt XXXX XXXX XX/XX/XXXX ). 
XX/XX/XXXX - FABCO sent extremely blurry, black and white, close up pictures that can not even be identified in most cases, and internal statements provided by XXXX. These internal statements just have one line of a number representing original value with no actual information or proof of the original installation/value/life expectancy of the items to calculate depreciated value. Additionally, one of the  statements containing the carpet information ( only one that shows a date of installation ) claims that the carpet was installed in XXXX of XXXX, which I know is untrue because I lived there at that time. I believe XXXX is trying to scam us and assumed we would believe it because the copy of the lease they provided was really a renewal of the lease from XXXX, so they didn't realize I had been living there in XXXX. Additionally, I believe some of these charges are made up so they could try to get us to pay to replace the entire carpet throughout the house, as they claim holes in the carpets from the dogs in all bedrooms. Only 1 bedroom was actually used, the remaining 3 bedroom doors remained closed at all times and the dogs were not allowed in. The pictures provided are also completely unidentifiable, and the few that I think I can identify look to be normal wear and tear. They also claim that the lease states the walls were not allowed to be painted any color other than neutral colors, which I questioned as I did receive approval, but am unable to get a copy of the original full lease from them. 

I have provided examples of the photos and statements as my zipped file containing all the correspondence is too large to submit. However, I do have all letters, statements, and pictures if needed.
Product: Debt collection

I received a notice of a XXXX sale scheduled for XX/XX/XXXX in XXXX XXXX near the end of XX/XX/XXXX from XXXX XXXX XXXX which is dba XXXX XXXX. XXXX XXXX is trying to hold a XXXX Sale of my Private Property on behalf of Shell Point Mortgage Servicing and NEWREZ LLC. I returned the Notice to XXXX XXXX, letting the know that this was FRAUD and requesting validation of the Debt. I have been in communication with Shell Point Mortgage Servicing asking for the same information since XX/XX/XXXX and I have filed multiple complaints that seem to be ignored along with all of my affidavits, and validation of Debt requests. XXXX XXXX has not responded to any of my communications. My Private Property is still listed on multiple foreclosure sites and random people are knocking on my door and harassing my family along with taking pictures of my Private Property. it is Unlawful to auction off my Private Property without Due Process. The sale of my private property has not been decided in a Court of LAW. 
18 U.S. Code 241 Conspiracy Against Rights 18 U.S. Code 242 Deprivation of Rights under the Color of Law 15 U.S. Code 1692 ( d ) Harassment and abuse 15 U.S. Code ( e ) false and Misleading Representations 15 U.S. Code ( f ) Unfair Practices 15 U.S. Code 1692 ( f ) ( 6 ) ( a ) states there is no present right to the possession of the property claimed as collateral through an enforceable interest 15 U.S. Code 1692 ( g ) Validation of Debts 15 US Code 1 Trusts, ect in restraint of Trade Every contract, combination in the form of trust or otherwise, or conspiracy, in restraint of trade or commerce among the several States, or with foreign nations, is declared to be illegal. Every person who shall make any contract or engage in any combination or conspiracy hereby declared to be illegal shall be deemed guilty of a felony, and, on conviction thereof, shall be punished by fine not exceeding {>= $1,000,000} if a corporation, or, if any other person, {>= $1,000,000}, or by imprisonment not exceeding 10 years, or by both said punishments, in the discretion of the court. 
I have been disputing this Debt due to multiple Loan number filed with my county as well as reporting different loan numbers on my credit report all with the same date attached. As well as multiple companies sending me statements in the mail, I have 4 different addresses from Shellpoint Mortgage Servicing and NEWREZ LLC.
Product: Student loan

I was up for re-certification of my income-based repayment plan. On XX/XX/2017, I was advised by a Fed Loan rep that the payment would increase from {$610.00} to over {$10000.00}. I advised the rep I could not afford that payment. The rep stated I could re-certify first then switch to the REPAYE plan, which would bring my monthly payment to around {$700.00}. I followed these instructions and submitted a corrected IBR recert on XX/XX/2017, which was approved. I then submitted a request to switch to REPAYE on XX/XX/2017 with supporting documentation. I called after submitting and was advised it would take about 10 business day to start processing the application. I called on XX/XX/2017 to get a status check. The rep could not provide a status update and failed to acknowledge that the XX/XX/2017 uploaded application. I requested to speak to a supervisor. I spoke to XXXX who noted the XX/XX/2017 application was incorrectly processed as a recert and stated she submitted requests for the application to expedited and I would be removed from IBR and switched to standard. However, she noted that I should receive a letter stating a reduced payment of {$5.00} will be owed and then to call back to ensure the rest of the REPAYE process is initiated. I appreciate XXXX 's help but I am concerned that I will be charged the incorrect amount and will be incorrectly billed an un-affordable amount. In addition to potential credit reporting damage, I am also on the public interest loan forgiveness plan and I am concerned that Fed Loan 's incompetence will impact my eligibility with the program. Please expedite this complaint as my next payment is due XX/XX/2017. I should not be penalized and harmed for following Fed Loan 's directions.
Product: Credit reporting or other personal consumer reports

Now the truth is out about all these different frauds including stolen identity by your client fake XXXX XXXX XXXX fake SSN numbers XXXX and XXXX here in our country XXXX XXXX XXXX and used those fake titles including XXXX XXXXXXXX XXXX XXXX on those loans as you say I started loan XXXX and absolutely have never done business with XXXX XXXX and that fake title as a XXXX  got reported as XXXX. He also got a credit card in my name with XXXX  XXXX as ending XXXX. Then with XXXX XXXX  cards ending XXXX, XXXX, XXXX and XXXX confirmed by another XXXX XXXX XXXX XXXX ext. XXXX still claim no XXXX unpaid. Then he use a fake lender that do not exist NOT XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX id # XXXX on XX/XX/XXXX at XXXX XXXX XXXX XXXX XXXX XXXXXXXX, do not exist. Then around XX/XX/XXXX XXXX  informed me he cash XXXX checks in my name XXXX. XX/XX/XXXX XXXX. Mailed on by XXXX  supervisor XXXX on XX/XX/XXXX to the XXXX he cashed. They informed me to make police report and I did as XXXX Det. XXXX XXXX XXXX that he cash XXXX XXXX XXXX XXXX XXXX still unpaid. I received notice from XXXX XXXX no XXXX that Tradelines - XXXX XXXX  Resolve XX/XX/XXXX and XXXX has confirmed my loan were paid off in XXXX.
Product: Debt collection

On XX/XX/2024 I ask the debt collector to provide me with proof that I owe this debt with copy of my signature and a receipt and they have not provided me and have put a collection on my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX reported a past due account with XXXX XXXX XXXX XXXX to Equifax. Equifax confirmation # : XXXX. I disputed this with XXXX XXXX XXXX XXXX, XXXX XXXX XXXX and Equifax. The basis of the dispute is simple : XXXX XXXX never sent a bill or invoice for the amount not paid by insurance. No bill no debt no past due account. I confirmed with XXXX XXXX that they had my correct address, email address and phone number. I requested a copy of the bill, any bill addressed to my attention. XXXX XXXX has not produced a copy of the bill ( because they failed to bill ). I had no notice that the insurance did not pay the full amount for the procedure. Its been one year as of XXXX XXXX, 2016 and I have received no correspondence from XXXX XXXX. I contacted them by phone and all they said was your account was turned over to collections and there is nothing we can do. XXXX XXXX claims to have investigated my dispute, but all they did was send a verification letter to XXXX XXXX confirming an account balance. They never requested or confirmed if I was ever put on notice of any amount owed or if XXXX XXXX even sent an invoice or bill to my attention. Again no bill no debt no past due account. Now my credit score has been negatively impacted and XXXX XXXX and XXXX XXXX XXXX will do nothing. Please note, when I saw my credit score drop, I ordered a copy of my report. That is when I found this false claim of a past due account. I paid the {$410.00} on line, that week.
Product: Credit reporting, credit repair services, or other personal consumer reports

Months ago, I have sent a letter to the three credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. I'm looking forward to the correction of the following items. Thank you. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I have been disputing back and forth with experience, equifax and XXXX   regarding them reporting my finger hut account late since XXXX of this year 2019. This account along with my XXXX XXXX account is included in my bankruptcy that they all are reporting as being dismissed when it was never dismissed it is now awaiting closing from the discharge of debt.
Product: Checking or savings account

PNC Branch offices closed due to virus in XXXX XXXX XXXX XXXX Residents about half of whom are over 90 using atm for the first time. The interface on the atm default process for deposits is express cash which has a 2 % fee for immediately available funds. Fee is disclosed and an option for standard availability is available. However few residents are sufficiently fiscally aware to understand that choice. 

I asked the bank to remove the express cash option for our community. They declined. 
I asked the bank to send out a letter to customers offering an opt-in for the feature. They declined. 
Our residents are generally are on fixed incomes or have portfolios that have lost significant value. At the very least PNC should refund any fees that are charged.
Product: Credit card

In XXXX 2015 the minimum payment on my credit card was {$270.00}. I paid {$300.00} and did not make any purchases, etc. on the card. As I understand it, {$270.00} should have gone toward the interest and the principal of the lower interest rate ( 9 % ) and at least {$24.00} should have gone to my highest interest rate of 16 %. When I look at my statement from XXXX and my statement from XXXX, though, the balance actually increased for the amount being charged 15.99 %. I called Bank of America XXXX times and spent more than an hour on the phone. The XXXX rep told me it was because I had underpaid XXXX month ( I did not ), the next call I got disconnected and the XXXX transferred me to a line that was supposed to have voicemail, but rang for more than 3 minutes without being picked up.
Product: Credit reporting, credit repair services, or other personal consumer reports

i wrote LEXISNEXIS RISK SOLUTIONS INC. on XX/XX/2021 about them reporting and sharing inaccurate and incomplete information on my credit report.I attached a copy below to delete the bankruptcy from my file.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Capital One Attn : Customer Service XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Subject : Request for Removal of Charge-Off from Credit Report Dear Sir/Madam , I am writing to formally request that the charge-off listed on my credit report for the Capital One account be reviewed and removed. The charge-off in question is listed under the following details : Account Holder Name : XXXX XXXX Account XXXX : [ Insert Account Number ] Charge-Off Date : XX/XX/XXXX I acknowledge the financial challenges I faced that led to this charge-off, and I regret that it occurred. Since then, I have worked diligently to improve my financial situation, including taking steps to settle and resolve any outstanding debts. I respectfully request that you consider removing the charge-off from my credit report as a gesture of goodwill, as it no longer reflects my current creditworthiness. 

Removing this negative item would significantly improve my credit standing and help me continue to rebuild my financial profile. I sincerely hope you will consider this request favorably. 

Please let me know if any additional documentation or information is required to process this request. I can be reached by phone at XXXX or by email at XXXX. 

Thank you for your time and consideration. I look forward to your prompt response. 

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

Since 2016, I have been in dispute with two of the three credit reporting agencies, Transunion and XXXX, regarding the unlawful reporting of a Chapter XXXX Bankruptcy that does not belong to me. I have contacted the Florida Bankruptcy Court regarding this matter and was informed that they do not give out anyone 's full and complete social security numbers nor addresses. I was also informed by the Florida Bankruptcy Court that a bankruptcy report or listing does not have the consumer 's complete social security number listed. I submitted letters to XXXX and Transunion on numerous occasions trying to explain this information to them and informing them of my mistaken identity. These two credit reporting agencies continue to report this Chapter XXXX Bankruptcy on my reports. I froze all of my credit files with several credit agencies such as XXXX XXXX, XXXX XXXX, etc. Therefore, no one has access to my information, not even myself without a private pin number that was personally assigned to me. XXXX nor Transunion are legally investigating my disputes, if at all and responding to me with false information that the bankruptcy was verified, yet no one can tell me how the report was accurately verified when it does not belong to me.