23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

This complaint is linked to a previous case XXXX : My mortgage company has been paying the premium on my homeowners insurance per the initial terms of the mortgage. I have been receiving communications since XX/XX/XXXX that there was a lapse in homeowners insurance coverage from XXXX/XXXX/XXXX to XXXX/XXXX/XXXX and I am being asked to pay the mortgage company over {$4500.00} to obtain coverage for the same period. I have tried to resolve this with the mortgage company through written ( email ) and phone communications yet I have not been offered a proper resolution to the issue. I do n't understand being charged an excess of {$4500.00} to cover homeowners insurance for a less than four months period of time. I have tried to obtain coverage for the period in question on my own, but I am unable to get an insurance company to write a policy for a period in the past. 
Update XXXX/XXXX/XXXX : I still continue to receive notifications from South Pacific Financial that my escrow account has insufficient funds as a result of the above. Please see attached letter where I am now being charges {$2300.00} for the Principle, Interest, Required Escrow and Shortage Surplus spread despite the fact that South Pacific Financial had previously answered complaint XXXX with a statement that they would be making this payment on my behalf. Please reference XXXX for the statement made by South Pacific Financial. I have contacted the mortgage firm via email. My next mortgage payment is due XXXX XXXX XXXX and I need a correction made before then to avoid the overage charge. 
To be clear, this is all the result of negligent oversight on the part of South Pacific Financial. They failed to furnish property insurance for the time period in question. As such, the home had no insurance during the period in question.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax mishandled my personal information including Name, Social Security #, Address, Birth-date, etc. resulting in a data breach in XXXX XXXX that they confirmed I was affected by per their " Potential Impact '' site www.equifaxsecurity2017.com. 

They have put myself and millions of others at risk of identity theft/fraud due to negligent security protocols in handling consumer information. They are further attempting to capitalize on the situation by signing injured parties THEY are responsible for up for " trial periods '' of their ID protection services. 

They are simultaneously defrauding these injured parties with hidden terms of service that waive their right to sue the company in what is clearly a situation of criminal negligence/fraudulent behavior as indicated by the three Equifax executives that dumped stock immediately prior to the data breach announcement.
Product: Mortgage

I applied for a loan modification with CitiMortgage and I was denied two times. Finally as a last resort to save my home, In addition to requesting another modification, I filed a Chapter XXXX Bankruptcy to repay the arrearages. This is when they actually considered helping me. The entire process was long and deceitful after that. I originally owed XXXX to Citi but somehow after the modification and a Partial Claim payment of {$28000.00} through XXXX, CitiMortgage is telling me I owe {$170000.00} to them in addition to now owing XXXX back the {$28000.00} which was supposed to be applied to the arrearages on my account.. Long story short ... They have not and will not show me a detailed account of where the {$28000.00} was applied to my account. My questions are " If CitiMortgage was given {$28000.00} from HUD to help decrease my mortgage and pay arrearages, How and why was my mortgage modified and recalculated using an amount that did not reflect the arrearages being paid with the {$28000.00}. How was this calculated? Who can show me a detailed transaction history or re-look at the modification to make sure it was prepared and calculated correctly? Why do I now owe {$200000.00} ( XXXX to CitiMortgage + XXXX lien to XXXX ) on my house which I originally purchased for {$160000.00}? How is this possible when the program is called XXXX - HOME AFFORDABLE MODIFICATION PROGRAM? There is nothing affordable about this!!! I am in more debt than I started with. 
Please help me if you can.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act. This account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX ACCT # XXXX 15. USC 1681 section 602A states I have the right to privacy.

15. USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15. USC 1681c ( a ) ( 5 ) -any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15. U.S.C. 1681s 2 ( A ) ( 1 ) - A person shall not furnish information relating to a consumer to any consumer reporting agency if the person knowns or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

Back in XXXX, I had an account for cable/internet/phone service with XXXX now known as XXXX. I cancelled the service and switched to another provider. My family and I bought a house and moved in XXXX. Ironically, when we moved, my husband opened an account with XXXX. Unbeknownst to me, apparently, I had an outstanding balance of {$310.00} dating back to XXXX. I received no notification of the outstanding balance. The XXXX sent my account to a collection agency, IC System, Inc. who never sent me any correspondence. Instead, they just reported it to the credit bureaus. Once it showed up on my credit report, I proceeded to call IC System, Inc. to dispute it. They said it was a XXXX  account so I called XXXX and that is when I learned about the outstanding balance. The representative at Spectrum said I could make the payment with her over the phone which I did - I gave her my credit card number. She advised that they would contact the collection agency to have them update their records to show it as being paid. Over the past 6 weeks, I have called IC System, Inc. and they keep telling me that they are waiting for Spectrum to update the file on their end. I call Spectrum and they tell me they have notified IC System, Inc on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. In addition, on XX/XX/XXXX, I faxed IC System, Inc a printout from my credit card account showing the balance was paid by credit card on XX/XX/XXXX and it was charged to my card on XX/XX/XXXX. To add insult to injury, I got home today, XX/XX/XXXX, and there is a collection notice from them. When I called, they confirmed they had my fax showing the payment made!! But they still insist on sending collection notices despite receive a cease and desist all collection efforts from XXXX, the original creditor. I'm stuck in the middle and can not get this resolved.
Product: Debt collection

My personal information was compromised in a data breach, and now Im being held responsible for debt that I didnt authorize or create.
Product: Money transfer, virtual currency, or money service

On XX/XX/2023, I was involved in a wire fraud scam. The scammers called me off of the Wells Fargo customer service number and changed the caller ID to appear as though they were the bank. The scammer told me that someone illegally wired a large amount of money out of my account this ended up being a lie but they ultimately tricked me into unknowingly granting them access to my account in which {$13000.00} was sent to their bank account, under the guise that I was inputting their names, as Wells Fargo agents, and this amount of money to cancel out the fake request and return the stolen amount back into my account. Obviously, that was a ruse, but it was too late. 
I quickly notified Wells Fargo within XXXX minutes of the final transaction. Upon speaking to a real Wells Fargo banker, I was told that I would receive a resolution within a MAXIMUM of XXXX business days ( XX/XX/XXXX ). Since then, I have called Wells Fargo almost every single business day, and until today, the XXXX business day, I had received no concrete update aside from that they have requested XXXX recalls from XXXX XXXX, the bank the money was apparently sent to. I was told multiple times that there was no resolution up until XX/XX/XXXX, and suddenly, on the morning of XX/XX/XXXX, despite having called Wells Fargo the day before, I receive a letter in the mail stating I will not receive my money back. They did not tell me this the day before, nor did they imply I would not receive this money. This is not a trivial matter nor a trivial amount of money ; this is money I had saved up and relied on as I just moved XXXX miles across the XXXX to a new city. At this point, I am relying on their response and resolution to survive. 
To make matters worse, I was also implicitly told by a Wells Fargo banker and in the letter that was sent to me on the XXXX that I willingly did this to myself, so, therefore, I am responsible, and this is my fault. I would argue that that is not true, as willingness is contingent upon both parties consenting based on unwavering truth. Since the scammers were clearly lying, I did not WILLINGLY give my money and account information to them. 
Because this scam rested upon the fact that Wells Fargos customer service number is easily spoofed, this seems to be a problem the bank needs to be responsible for, as Im sure they know because they have insurance to cover scams like this. I was never contacted by the real Wells Fargo during the scamming or before these transfers were made ; nothing was done to try and prevent this scam. Nothing has been done since, and apparently, scammers can still easily spoof the Wells Fargo phone #, which seems to be an issue the bank needs to resolve, as this is the ONLY number present on the back of each debit card. 
In the end, the bank possesses the necessary means to assist me, and it is imperative that I see the return of this money.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX XXXX XXXXXXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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
Product: Checking or savings account

I went to the ATM machine inside Chase Bank in XXXX XXXX made a cash deposit of {$1500.00}. Got my receipt and pulled my card out and as I was walking out, a man came out behind me and said that a XXXX dollar bill had fallen out. When I got home I realize that someone had taken XXXX separate withdraws of {$500.00} each. And taken the money obviously they used my pin number which they must have gotten from a fake card reader. I realized when I got home that someone elses card had come out. It was clearly a sophisticated scam. But the bank is holding me responsible for it.
Product: Credit reporting or other personal consumer reports

Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. Send me physical documentation that you have complied with the reporting requirements, and report without any deviations. If you have not complied with the requirements or there are any negative aspects below that have been challenged, I DEMAND immediate DELETION of these items from my credit report. Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity.

Furnish information about accounts or other relationships with an accurate consumer.

C - Conduct reasonable investigations of consumer disputes According to CRRG, to make a lawful report, you must follow the Metro 2 compliance standards.

Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. 
This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. 

Summary of Accounts being Challenged in list form : XXXX XXXX XXXX - Account XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove it from my credit report. 

XXXX XXXX XXXX - Account XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove it from my credit report.
Product: Credit reporting or other personal consumer reports

Subject : Notice Regarding Discharge of Debt Under HJR 192 and Request for Credit File Update I am writing to formally notify you of my status as a Secured Party Creditor and the discharge of all debts associated with my accounts under the provisions of House Joint Resolution 192 ( HJR 192 ) of 1933. Enclosed with this correspondence is an official document from the Internal Revenue Service corroborating this discharge. 

The discharged accounts include obligations reported under the following institutions : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX Under the authority of HJR 192 and supporting documentation, I understand that these debts are considered null and void. Furthermore, I request that any derogatory or inaccurate information about these discharged accounts be permanently removed from my credit file. 

As a consumer, I am exercising my rights under the Fair Credit Reporting Act ( FCRA ), specifically under : 15 U.S.C. 1681i : The right to dispute inaccurate information and have it promptly corrected. 
15 U.S.C. 1681c : The right to request the removal of obsolete information.

To ensure compliance with federal laws, I expect these actions to be completed within 7 business calendar days from the date of your receipt of this notice.

Failure to comply with this lawful request may result in further action, including filing a formal complaint with the Federal Trade Commission and potential legal remedies. 

Please confirm in writing once these corrections have been made, and direct any correspondence or inquiries regarding this matter to my attention at the address on file. 

Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

i am a natural person. i am a living human being, i have rights under 15 USC 1681 Equifax is govern by 15 USC 1681. And they violated my rights numerous times. i demand the accounts listed below be removed because according to 15 USC 1681 ; I have the right to privacy and i did not give Equifax written permission to furnish these accounts Accounts ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX,
Product: Credit card

I write with utmost concern and urgency regarding the blatant violations present on my credit report. The following fraud account and unauthorized inquiries have been made without my explicit consent, constituting not only a severe breach of privacy but potentially identity theft. 1. Midland Credit Management XXXX 2. XXXX XXXX XXXX XXXX XXXXThis egregious violation not only questions the integrity of my personal information but raises serious concerns about identity theft in addressing these unauthorized inquiries, several key legal violations come to light. 1. Fair Credit Reporting Act ( FCRA ) Violations. Section 604. The inquiries lack permissible purpose, violating my rights to privacy. Section 606. The disclosure of investigative consumer reports occurred without proper authorization, Section 609. I have not been provided with adequate disclosures about these inquiries and fraud accounts. Section 611 : The procedures for disputing inaccuracies have been overlooked. 2. California Consumer Protection Code Violations. Title 37, Chapter 20 : Unfair or deceptive acts or practices have been committed. Section 37-20-110 : The unauthorized inquiries and accounts are clear violations of this code. Title 37 Chapter 20 : Unfair or deceptive acts or practices have been committed. Section 37-20-160. Procedures for correction of inaccurate information have been disregarded. I demand an immediate and thorough investigation into these violations, with prompt removal of these fraud accounts and unauthorized inquiries from my credit report. Failure to do so will compel me to take further legal action to protect my rights and seek redress from damages incurred. I am being violated by the Equal Credit Opportunity Act, as well as teh Consumer Credit Protecction Act. Your swift and decisive action in rectifying these violations is not only legally mandated but also essential in restoring the integrity of my credit history. I anticipate your cooperation in this matter and expect resolution within a reasonable timeframe. This complaint was construed and submitted in good faith.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of theft in XX/XX/2021. My purse was stolen with all my identifications in it. I made a police report in XXXX XXXX, Fl. ( case # XXXX ) I have been trying to purchase a home for my family and this is causing my denial for a loan. I have disputed with all 3 credit bureaus and the company itself. I spoke to XXXX XXXX XXXX and they have no record and they advised me to request the credit bureaus to remove it from my report. No one has taking the time to fix the credit error. This account does not belong to me. I have also sent them a copy of all the different information reporting on the same account with each credit bureau I even sent a XXXX letter because I know this is not mine. They have not provided any proof nor removed it. XXXX XXXX XXXX  also said they can't find anything on this account. Please help
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I was sent an identity theft report from transunion ti file out and send in to while I did. One of the accounts that was the result of identity theft to which is XXXX XXXX  was not addressed or blocked it has been well over 30 days to which information that Is an accurate incomplete or can not be verified must be deleted per the FCRA.
Product: Debt collection

The XXXX has explicitly stated that XXXX  should not be reflected in my credit history, and there is a deficiency in ensuring accurate reporting on your end.
Product: Checking or savings account

I had water damage in my home. I filed a claim on XX/XX/2022 with XXXX. It took XXXX months for the repairs to even begin, meanwhile my husband and I and our XXXX kids were staying in hotels and later in XXXX 's. They only started after I spoke to the claims adjuster 's boss. I received a large sum for {$47000.00}. XXXX issues it to me and XXXX XXXX  on XX/XX/2022. I attempted to get a new check ( with my name only ) from my claims adjuster from XXXX but was unsuccessful. XXXX XXXX, my claims adjuster did not reply to my email, voicemail, or text regarding my request to get a check with just my name on it. I deposited the check XX/XX/2022 unaware that I had to go through the process of endorsement from XXXX XXXX. On XX/XX/XXXX or XXXX I went into a Chase Bank Location in XXXX XXXX to question why my account was restricted. I was informed about the deposit and that I had to submit paperwork in order for the bank to unrestrict my bank accounts and release the funds. The same day I went back with requested documents. I was told it would take a couple of days. I called or went in XXXX days later and was informed that it was still in process. I went back in to see XXXX XXXX in XXXX XXXX. She was getting the same answers as I had received. She got no answers on her end when she called in from the bank location. This went on for another week. All the while, I have no access to my bank accounts and can not pay my bills. I requested that my other available funds be unrestricted, but they would not. I asked them to cancel the check, so I could start over, but that wasn't an option. The explanation I received was that XXXX 's check was issues by a Chase Bank and I deposited into a Chase Bank, so they couldn't release the funds. I then called XXXX XXXX  and I went through the Third Party Release forms through their Loss Draft department. After calling XXXX, they were able to get a copy of the check, but it was not a legal copy of the check. Therefore, XXXX XXXX  can not endorse the check. I have been working with a nice Vice President, XXXX XXXX at a Chase Branch Location in XXXX XXXX. His communication with corporate has been that had XXXX not banked with Chase, the check would have been returned to me. It is now XX/XX/2022. I have called countless times. I need to get a legal copy of the check so that XXXX Mortgage can endorse and I can pay for the repairs done to my home. My credit score went from a XXXX on XX/XX/XXXX to a XXXX as of XX/XX/2022. During this time I had to pay with my credit card for everything. I had to pay {$21000.00} in repairs with a credit card. My daughter who is in college couldn't pay her rent because her account was linked to mine. I could not send her money because I couldn't access it. The stress that this has caused me and my family has been tremendous. Not only have we been displaced for XXXX months due to the water damage, but the financial burden has increased my stress, has affected my credit score and I still have no resolution from Chase Bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE DISPUTED ACCOUNT HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THIS ACCOUNT REMOVE OFF MY CREDIT. THE ACCOUNT IS A CLOSED ACCOUNT AND IS STILL REPORTING AS A DEROGATORY. CONDUCT A REINVESTIGATION INTO THIS MATTER AND HAVE THIS DEROGATORY ACCOUNT REMOVE AS SOON AS POSSIBLE.