23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I completed a Forbearance plan, with a down payment of {$3500.00} and XXXX additional payments of {$2000.00}. However, after making all of my payments I was told the amount was n't accurate and I owed additional money. 
Each month my mortgage statements have a different amount owed. Recently I requested additional information and received written correspondence XX/XX/XXXX from XXXX XXXX, case manager customer support department of Bayview Loan Servicing. The letter stated my correct payment would be {$1600.00} rather than the {$1800.00} reflected in previous statements. However, my new statement indicates the payment amount of {$1700.00} for XX/XX/XXXX. Again differing what was listed in the written letter. 

Listed on the Customer Account Activity Statement dated XX/XX/XXXX myloan interest rate is reflected at 3.25 %. However, on all of my statements itis listed at 4.25 % which I 'm currently being charged. 

XX/XX/XXXX I received written correspondence from the Bayview LoanServicing, Insurance Department stating they had received appropriatedocumentation for my private home owners insurance. I have maintained a privateinsurance policy through my HOA and an additional policy through XXXX XXXX. 
However, I was charged {$970.00} ; XX/XX/XXXX Homeowners Insurance Premium $ XXXX Homeowners Insurance Premium $ XXXX Homeowners Insurance Premium $ XXXX Homeowners Insurance Premium $ XXXX Homeowners Insurance Premium $ XXXX Homeowners Insurance Premium $ XXXX Homeowners Insurance Premium $ XXXXXXXXThis amount has n't been credited to my account and I continue to be charged ahigher amount for my escrow account based on inaccurate numbers. In the AnnualEscrow Account Disclosure Statement dated XX/XX/XXXX it is reflected my escrowaccount had a shortage of {$1700.00}. I have received the current property taxbill for the XXXX tax year. The total amount due is {$2600.00}. I amcurrently being charged {$350.00} a month for escrow. As of the XXXX XXXX, XXXXmy statement reflects I 've paid {$2500.00}. 

I have tried to work with staff assigned to my account. I had a XXXX minute phoneconversation with XXXX XXXX XX/XX/XXXX. The outcome of that conversation was the letter generated by XXXX XXXX XX/XX/XXXX. I attempted to follow up with XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Not one of my phone calls wasreturned. I am desperate to find someone who can assist me in resolving theabove errors and moving forward. I am concern with the lack of follow throughand do n't know what else to do.
Product: Debt collection

Someone tried to break in to my apartment ... ... .told the management I did n't feel safe ... .. '' nothing we can do about it '' was their responds so I gave notice and moved ... ..never heard any more about it until I checked my credit report?????
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 9th attempt to dispute the information in my credit file which resulted from an alleged identity theft. Again, Im sending over an identity theft report # XXXX. Pursuant of FCRA section 605B ( a ) ( 1 ) ( 2 ) you are required to block or remove any information in my file that resulted from an alleged identity theft, not later than 4 business days after the date of receipt with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report XXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/2017 Balance : {$0.00}. 

Please note that you have 4 business days to block the reporting of any information in my credit file that resulted from an alleged identity theft. I do not consent to E-OSCAR or any means of automated verification.
Product: Debt collection

After searching more for Zoca Loans, they don't even exist anymore. A representative for Zoca Loans at XXXX has stated that Zoca Loans doesn't operate anymore. XXXX XXXX XXXX is trying to collect on something that doesn't exist as the representative also said that any Zoca Loans were XXXX balanced out. If XXXX XXXX XXXX can't produce the orginal documents for the " alleged '' loan with Zoca to validate, then they must stop collecting and remove the file from the credit reports.
Product: Debt collection

Tried calling to ask for validation of this debt got nothing but put in collections have no written letter regarding this
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/2023 to remove accounts that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts not later than 4 business days after the XX/XX/2023. Ive already included this in my previous Complaint XXXX, and XXXX & I am including it again., =XXXX XXXX ( Original creditor : XXXX XXXX XXXX ) XXXX Balance : {$2400.00} XXXX XXXX XXXX XXXX XXXX : {$640.00} =XXXX XXXX XXXXXXXX Balance : {$2400.00}
Product: Credit reporting or other personal consumer reports

I am writing to dispute the presence of an unauthorized or unverifiable credit inquiry listed on my credit report. Under the Fair Credit Reporting Act ( FCRA ), credit inquiries must have a permissible purpose as defined in 15 U.S.C. 1681b and must comply with Metro 2 and XXXX standards for accurate and lawful reporting.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Prior Cfpb Investigation related to this matter today XXXX XXXX it has been more than 30 days a considerably reasonable amount of time to contact me back in regards of these unauthorized inquiries, that I am unfamiliar with. In my last complaint I mentioned these inquiries that have resulted from Identity theft. 
The Inquiries are XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Once more, I am not familiar with these fraudulent inquiries, and I also have reservations about the accuracy of the information provided in some of them. 
I am asking the CFPB to step in and help me secure and make sure my rights are not being violated Thank you. XXXX
Product: Bank account or service

I was sent a cashier 's check for {$1900.00} on XXXX XXXX, 2015. I deposited it in my bank account and the funds were in my available balance the next day. The check obviously cleared in the bank since the entire funds were made available to me. However, on the XXXX of XXXX. I called the bank to find out why my account was withdrawn and was told that the check for {$1900.00} was fraudulent and was being sent back. I was also told that it was my fault for not waiting for the bank to clear the check and make sure that the check was good. I was also told that the reason the bank made the funds available to me was because I have been a long time customer and have never had problems like this before. I trust that when the bank makes funds available to me that they are really available to me. I have completely lost my trust in US Bank. I am now over {$700.00} withdrawn in my bank account and I was told I am responsible for paying this money back. This is wrong on many levels and I feel I should be refunded this money because this the bank made the funds available to me.
Product: Debt collection

In XXXX I was contacted by a debt collector called ( NATIONAL CREDIT SYSTEMS XXXX. XXXX XXXX, XXXX, GA XXXX XXXX. They informed me that there is a debt on my account from my previous apartment. I asked them what the reason was and they said it was due to a ruined carpet/rug and utility bill. I offered to send them pictures and bill proof to prove that I left the apartment in good condition since the leasing office refused to do a walk through with me but they declined. I asked for an evidence of their claim and they didn't respond nor provide them. I didn't know that they had already put an adverse report on my credit history ; sometime in XXXX, XXXX, when I ran a credit report, I found the adverse report and contacted. They said they were in the process of passing the case on to a lawyer and would be heading to court. I am a foreigner and the thought of going to court for something I didn't do, is so scary ; so I asked them what I needed to do and they said to pay every dime off and that it would be out of my report. I went ahead to pay for something that I knew absolutely nothing about all in the vain of continuing to live peacefully. I ran a credit report today ( XX/XX/XXXX ) and to my surprise the two negative reports are still in my credit report.
Product: Debt collection

It 's from a company called XXXX that says I owe them for magazines that I did not order. 
In 2006 XXXX XXXX called saying I owed them for a magazine subscription that I did not order and I told them that and they sent the magazings anyway and I sent them back. They left me alone for ten years now a collection agentcy is trying to collect it. I tryed to explain to them I did not order the magazines and I 'm XXXX an draw a small check every month and can not afford to pay it. I keep telling them that I did't order from them. Interstate Recovery Service calls day and night 5 to 6 times a day. Please help. XXXX XXXX XXXX
Product: Debt collection

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

Upon reviewing my updates, incorrect information was found in my reports. The XXXX Credit Bureaus have not complied with the Fair Credit Reporting Act, XXXX XXXX Sections XXXX, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : 1. PORTFOLIO RC XXXX Opened : XX/XX/2016 Balance Owed : {$130.00} ; 2. PORTFOLIO XXXX Opened : XX/XX/2016 Balance Owed : {$130.00} ; 3. PORTFOLIO RC XXXX Opened : XX/XX/2016 Balance Owed : {$77.00} ; 4. PORTFOLIO XXXX Opened : XX/XX/2016 Balance Owed : {$77.00} ;
Product: Debt collection

I have had an ongoing dispute with this bank/credit card holder. The debt of the credit card was left to me after a XXXX settlement and the collections refused to let me apply for low income repayment options because it was a cosigned card and then when they stated they would allow me to apply and I did, they stated it was too late and that they had already filed it into collections and were int he process of filing a lawsuit in Utah where the bank is based, this was starting in XXXX and I spoke to XXXX XXXX. Throughout the last XXXX years, XXXX has harassed me constantly, calling multiple times a day every day. Even during this process when I explained I was unemployed, the only primary care giver for my children, and even homeless and they were unwilling to work with any sort of affordable repayment option and threatened to call my employer to begin garnishment, and to further impact my credit since I wouldn't pay the amount they were demanding. Then in XXXX, I received a letter at my new address stating I hadn't responded to a lawsuit that was filed in Utah, which I had never been made aware of or contacted in any form whatsoever. I attempted to reach the person in charge of my case for approximately 4 months without responses and other employees were unwilling to assist me because she had sent into into suit and they stated there was nothing that could be done by anyone except for her. After trying to find resolution after all of this time, I finally was able to contact XXXX XXXX XXXX after her sending me threatening messages demanding I contact her by a certain date and her not returning any of my calls, she stated they would accept the principal amount due on the card, totaling {$5500.00} or a settlement offer with a letter of my circumstances towards this amount to clear the debt. When I was no longer employed with the pandemic I submitted my request and XXXX told me then that they were unwilling to accept anything less than {$7000.00} and that was a temporary offer as they were considering my debt to still be collecting interest opposite of our previous agreement. They continue to threaten me with negative impacts every time I reach out to try to find resolution with them and are unwilling to resolve the issues. They state there is no court documents filed but when I speak to different people with the company they use their threats of litigation or supposed current litigation to bully me into agreeing on a full payment of the full debt, which is unreasonable and not what was agreed to. They have used predatory practices and every-time I attempt to settle with them, they report my payments as delinquent for the next 3 months but if I do not contact them, they do not report this. The company is using manipulative tactics to scare and terrorize customers like myself.
Product: Credit reporting, credit repair services, or other personal consumer reports

MY PERSONAL INFORMATION HAS BEEN COMPROMISED AND THERE ARE FRAUDULENT ACCOUNT ON MY CREDIT REPORTS XXXX XXXX XXXX AND EXPERIAN ARE REPORTING INCORRECT DATA AND ACCOUNT THAT DO NOT BELONG TO ME THERE IS A ADDRESS ON MY CREDIT REPORT THAT DOES NOT BELONG TO ME WHICH WAS ALSO USED TO OPEN UP FRAUDULENT INSTALLMENT LOAN ACCOUNTS IN MY NAME I HAVE FILED A POLICE REPORT ABOUT THE ACCOUNTS FROM THE FOLLOWING CREDITORS 1.XXXX 2.XXXX XXXX 3.XXXX XXXX 4XXXX XXXX 5.XXXX XXXX 6.XXXX  XXXX I HAVE BEEN DISPUTING THIS MATTER SINCE 2021 AND THE CREDIT BUREAUS ARE NOT RESPONDING IN A TIMELEY MANNER AND THEY ARE REPORTING ACCOUNTS THAT DO NOT BELONG TO ME ALONG WITH THE FACT THIS IS HAMPERING ME FROM HAVING GOOD CREDIT
Product: Credit reporting or other personal consumer reports

As a result of a data breach, my personal information was compromised, leading to unauthorized accounts and credit inquiries being added to my credit report without my knowledge or consent. These accounts and inquiries were not initiated by me, yet they persistently appear on my report, negatively impacting my credit profile. Despite my efforts to address these inaccuracies, they continue to be reflected, raising serious concerns about the security of my personal information and the integrity of my credit report. I request that you investigate and remove the following items : Items to Dispute Personal Information Previous Address XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX Previous Address XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Collection/Charged Off XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXXXXXX XX/XX/XXXX {$1300.00} XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX {$1400.00} XXXX XXXX XXXX XX/XX/XXXX {$45000.00} XXXX XXXXXXXX XX/XX/XXXX {$2300.00} Late Payment 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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting incorrectly a ( 30 ) day late on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I have never missed a payment on this account. XXXX  and XXXX  are reporting correctly. This false reporting of a late is seriously harming my credit score and this late needs to be removed from my credit report. I have contacted the bureau to remove this however, I have not been successful.
Product: Mortgage

CREDENCE FUNDING CORPORATION ( XXXX XXXX ), XXXX AND XXXX XXXX   ( XXXX XXXX ) ARE ALL ENGAGED IN AN ACTIVE CONSPIRACY TO WRITE FRAUDULENT LOANS FOR ELDELRY PEOPLE FOLLOWED BY THEFT OF HOME USING COMPLEX AND ILLEGAL ESCROW MANIPULATION TO CONFUSE AND ROB THEM. SPECIFICALLY IN THIS CASE WE HAVE A LOAN WITH MISSING ITEMS ON LOAN AND ESCROW DISCLOSURES, AND A THEFT OF {$1500.00} FROM THE VICTIM 'S ESCROW ACCOUNT AFTER HER HUSBAND DIED.. WE HAVE A LOAN THAT NEVER MATCHED THE PAYMENT QUOTED AND A HOUSE PAYMENT THAT DoUBLED SEVERAL TIMES DURING THE COURSE OF THIS FRAUDULENT LOAN 'S EXISTENCE. XXXX EMPLOYEES CONFIRMED THE MULTIPLE COUNTS OF LOAN FRAUD, A COPY FROM THEIR LETTERHEAD IS PROVIDED HERE.
Product: Credit card

I was shocked when I reviewed my credit report and found late payments on the dates below : 30 days past due as of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me. This must be an oversight and would appreciate any help in clearing this up.
Product: Debt collection

This was a collection account on my credit report that i wrote/called in to have validated. It is my understanding that this company ( XXXX XXXX ), is not suppose to continue pressing me for the money until dispute is resolved. They have called several times and even demanded that i produce a " student identification ''.
Product: Student loan

These accounts do not belong to me. 

XXXX XXXX XXXX Nelnet opened XX/XX/XXXX {$21000.00} XXXX XXXX XXXX Nelnet opened XX/XX/XXXX {$9700.00} XXXX XXXX XXXX Nelnet opened XX/XX/XXXX {$9200.00} XXXX XXXX XXXX Nelnet opened XX/XX/XXXX {$7400.00} XXXX XXXX XXXX Nelnet opened XX/XX/XXXX {$7300.00} XXXX XXXX XXXX Nelnet opened XX/XX/XXXX {$4700.00} XXXX XXXX XXXX Nelnet opened XX/XX/XXXX {$4700.00} XXXX XXXX XXXX Nelnet opened XX/XX/XXXX {$3700.00} XXXX XXXX XXXX Nelnet opened XX/XX/XXXX {$3700.00} XXXX XXXX XXXX Nelnet opened XX/XX/XXXX {$540.00}
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. 15 U.S. Code 1681XXXX - Procedure in case of disputed accuracy XXXX  Account Number : XXXX Delete From My CREDIT REPORT 2. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS WFDS Date of inquiry : XX/XX/2022 Please remove it from my credit report. 

3. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report. 

4. 15 U.S. CODE 1681B - XXXXERMISSIBLE PURPOSES OF CONSUMER REPORTS  XXXX XXXX XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report. 

5. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report. 

6. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report. 

7. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report. 

8. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report. 

XXXX. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXXXXXX XXXX XXXX, GA XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Prove to me that the inclusion of this complies with this ferdersl law, or remove it. Correct?
Product: Credit reporting or other personal consumer reports

I sent a letter on XX/XX/2023 to Transunion, XXXX, and XXXX the following through XXXX XXXX. However the credit bureaus said they completed the investigation and everything was 100 % accurate. 

According to the law 15 U.S Code 1681a- Definitions ; rules of construction. 

The term " investigative consumer reports '' means a consumer report or portion thereof in which information on a consumers 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 whom she/ 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 the consumer or from the consumer. 

I would like to know who they spoke with and how did they conduct the investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit and personal information stolen in the equifax data breach announced XX/XX/2017 due to gross negligence.
Product: Bank account or service

I signed up for Citibank 's Citi Gold checking account under a promotion that promised XXXX Thank You Points in return for originating the ( new ) account and meeting the eligibility requirements and a series of tasks. The eligibility requirements were : Possess a Citi credit card that earns Thank You points ( yes : Prestige and Premier cards ) You must be XXXX or older, ( yes ), New checking customers only ( yes ), Must open account before XXXX/XXXX/15 ( yes ), Must use offer code : XXXX ( yes ) Upon opening the account I confirmed eligibility with a Citi representative via secure message ( Live Chat ). 
To qualify for the aforementioned points, the new account holder needs to use the Bill Pay feature in his/herCitigold account to pay one bill for two consecutive months. I did. 
Upon completing these tasks, I confirmed that I 'd met the requirements with a Citi representative via secure message ( Live Chat ). She indicated that the points would post to my account by XXXX XXXX. 
When they did not, I started a series of communications with Cit via Live Chat and telephone calls where a determination was rendered that I was not targeted and therefore ineligible for the XXXX Thank You Points. I 've repeated the process of explaining the chronology and communication three times to Citi Gold representatives by phone, who indicate sympathy and acknowledge that the conditions for the reward were met, but then file a report with " the back office '' that generates a form letter that repeats the assertion of a lack of eligibility.
Product: Debt collection

This is account advises that I opened XX/XX/XXXX. I've sent credit reporting letter from XXXX XXXX to have removed as it's reporting negatively on my file as I never gave permission to report. I've not received any correspondence from the company as of XX/XX/XXXX.