23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I reached out to ERC about my account in the amount of about {$1400.00} for an old phone bill I had for someone. I attempted to get a written payment arrangement so I could try to settle this account. The gentleman refused to give me a written payment arrangement and told me to contact them when I have money which was very unprofessional. He said that his company doesn't do payment arrangements.
Product: Mortgage

Company has failed to make XXXX year property and school district taxes, refunded money to me out of my escrow without an explanation, township and school district put a lien on my property, are suing me, and are threatening to sell my home for nothing I did wrong. They recalculated my escrow and are now demanding additional XXXX dollars a month to put into escrow to cover their costs of not paying property or school district taxes
Product: Credit reporting, credit repair services, or other personal consumer reports

Navient is showing a high balance of {$8000.00} on my XXXX XXXX credit report. This is impossible, because the account was paid off through a forgiveness program years ago. The account is also past the 7 year statute of limitations, and should have been removed from my credit reports years ago.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'am writing to dispute several accounts on my credit report in accordance with the fair credit reporting act the following accounts : 1. ) XXXX XXXX Account # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX 2. ) XXXX Account # : XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX 3. ) XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX ( XXXX ) XXXX 4. ) XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX ( XXXX ) XXXX 5. ) XXXX XXXX Account # : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, MO XXXX ( XXXX ) XXXX 6. ) XXXX  Account # XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX 7. ) XXXX  Account # : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX 8. ) XXXX XXXX Account # : XXXX XXXX XXXX XXXX XXXX, OR XXXX ( XXXX ) XXXX 9. ) XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ( XXXX ) XXXX, has violated my rights. 
15 U.S.C 1681 section 602A States I have the right to privacy.

15 U.S.C 1681 section 604A section 2. It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Debt collection

XXXX XXXX XXXX is trying to collect an old debit that I had settled with the original company. They have used phone calls repeatedly to try and get the money that I do n't owe to them. Please help me solve this problem. Thanks!
Product: Credit reporting, credit repair services, or other personal consumer reports

I never authorized for my credit to be run and causing me so much inquires on my credit file.Please delete the inquiries as they are hurting me from becoming a home owner
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX failed to send me verification of a collection agency according to section 609 of the FDCPA. I want them to obey the law and remove the item ( XXXX XXXX XXXX ). 

According to Disclosures to consumers [ 15 U.S.C. 1681g XXXX is in violation of said section. 

If they can't produce any/all evidence of collection agency, they must remove it from my file.
Product: Mortgage

Had an old loan with PennyMac : XXXX which was refinanced in XXXX, loan was fully funded on XX/XX/XXXX. I contacted the XXXX Tax Commissioner on XX/XX/2020, XX/XX/2020 and XX/XX/2020 and they confirmed that county taxes were outstanding with a balance of {$3400.00}. 
I contacted PennyMac on XX/XX/2020 4 times via phone, and via their message center on XX/XX/2020, XX/XX/2020, XX/XX/2020 and XX/XX/2020 in reference to the unpaid county taxes, that were supposed to be paid off at closing. 
During the XX/XX/2020 call I was given the name of the titling agent, who according to them paid the taxes for me, I called XXXX XXXX  XXXX. They indicated that they did not pay the taxes at closing because they never received the funds from PennyMac.

PennyMac said they would open a tax inquiry with their specialists, but they've also stated that perhaps the escrow was used to pay the loan ; however, as another customer service rep also pointed out that the prepaid on the closing cost Details page, under Other Costs it lists property Taxes to XXXX County for XXXX. Which means they were supposed to pay taxes at closing. 
As of XX/XX/2020, the county tax website : XXXXXXXX  still shows the taxes as unpaid, however, PennyMac says that it was paid on XX/XX/2020, but that I have an owed amount in the escrow since I didn't have enough to cover the entire balance, which means they only used the escrow under the new loan number XXXX, and not the escrow balance from the old loan which was {$4000.00}. I called PennyMac on XX/XX/2020, and they said that perhaps the taxes were paid twice : once on XXXX, and once on the XX/XX/2020, I informed them that not only was the county website not reflecting that, but that the agent responsible for paying it off, XXXX XXXX  XXXX, also said they did not. As of right now I have no clue what happened to the {$4000.00}, from the old loan, as it was not used to pay the taxes, furthermore, the taxes are still unpaid, and I may have to pay out of pocket. PennyMac indicated on their closing disclosure that they would pay the taxes, and they have not, additionally, the old escrow balance disappeared.
Product: Credit reporting or other personal consumer reports

I submitted a FTC report to Experian on XX/XX/XXXX, and 5 items were deleted/blocked from the investigation. Experian has violated my rights under the FCRA 15 USC 1681i ( 5 Day reinsertion notice ). Under the FCRA, Experian never notified me by email or US mail between XXXXXXXX and XX/XX/XXXX of any reinsertion within 5 days of reinserting the information. I uploaded a request to remove previously disputed items that were reinserted on XX/XX/XXXX. Experian failed to comply under 15 USC 1681i ( 5-day reinsertion notice ).
Product: Credit reporting or other personal consumer reports

I hope this message finds you well. I am writing to express my deep concern and frustration regarding the ongoing presence of charge offs, accounts included in bankruptcy, and public records despite our repeated attempts to rectify this issue. As we approach the several round of addressing this matter, it is evident that more concerted efforts are needed to effectively manage and remove these adverse records from our systems. 

I urge you to conduct a thorough review of our procedures and systems to identify any systemic weaknesses or gaps that may be contributing to the persistence of these adverse records. It is essential that we implement robust controls and enhanced monitoring mechanisms to prevent the recurrence of such incidents in the future. 

Additionally, I encourage you to prioritize customer communication and support throughout this process, providing clear guidance and assistance to those who have been impacted by these adverse records. Transparent and timely communication regarding the steps being taken to address their concerns is crucial in restoring trust and confidence in our organization. With this, I am asking for your assistance to remove these items in my credit file : 1. XXXX XXXX XXXX Balance : {$1200.00} - I requested an investigation and the removal of the charge-off status. No changes were made. No investigation was conducted at all. You had optimal time to review this matter and make the appropriate corrections, you elected not to. Please remove this item immediately. 
2. XXXX XXXX XXXX Balance : {$2400.00} - The limit to this account was a fraction of the amount due it as stated. That is utterly unfathomable! Had a proper investigation been conducted you would have seen the error and corrected it immediately. You failed to do your job ; you must now REMOVE THIS ITEM ALTOGETHER. 
3. XXXX XXXX XXXX Balance : {$0.00} - This is showing to be 120+days past due as the current status but it also says its been transferred. Youre showing a payment due amount but how can I owe something to a company that no longer owns the account? You need to change the description to say and change the Current Status to say : Paid as Agreed. Please remove all the negative information as well as it is a violation of automatic stay and bankruptcy court orders. 
4. XXXX XXXX Bankruptcy Reference # : XXXX Liability : {$0.00} - This bankruptcy file date is wrong and this bankruptcy is out of statute for reporting on a credit report. It should no longer be reported because it is past the 10-year statute of limitations that a credit bureau can report. Please update the filing date and then remove.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, FL XXXX Date of Birth : : XX/XX/XXXXXXXX  SSN : XXXX XX/XX/XXXX Dear Sir/Madam, Upon reviewing my credit report, I have identified certain incorrect information that needs to be corrected immediately. Below, I detail the inaccurate information that should be removed, as well as the correct information that should be reflected in my credit report : Incorrect Information to Be Removed : - Incorrect Name ( s ) : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - Incorrect Address ( es ) : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, FL XXXXXXXX XXXX XXXX XXXXXXXX, NJ XXXX Correct Information to Be Reported : - Full Name : XXXX XXXX - Correct Date of Birth : XX/XX/XXXX - **Correct Social Security Number** : XXXX - **Correct Address** : XXXXXXXX XXXX XXXX XXXX XXXX XXXX FL XXXX I request that you correct this information promptly, as these errors may harm my credit history and misrepresent my identity, potentially linking me to fraudulent activities. Additionally, I ask that all phone numbers listed on my credit report be deleted, as I have been a victim of unsolicited robocalls. 

Please also be advised that I have formally opted out of any binding arbitration agreements with your company and am prepared to exercise my legal rights if necessary. 

Under Section 611 of the **Fair Credit Reporting Act ( FCRA ) **, I am requesting the removal of any inaccurate or negative information from my credit report. I expect to receive an updated report reflecting these corrections within 30 days, as required by law. 

Thank you for your attention to this matter. I look forward to your prompt response. 

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

I received a notice from  XXXX  that I had activity on my credit report. Upon accessing the   XXXX    site and viewing my report I saw  XXXX  discrepancies but do not know if they are related.   The first issue is a hard credit inquiry from  XXXX  on  XXXX / XXXX / 17 . I did no  t authorize this and I am currently not seeking credit of any kind. The  XXXX  site did not give means for addressing this and did not give contact other than a   XXXX   XXXX   .
The second issue regards an address in WV. I 've never lived in WV and I have an open dispute on that right now. However the dispute is only with  XXXX  and I need to have that address disputed with the other creditors as well.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX XXXX XX/XX/XXXX {$XXXX} XXXX  XXXX XX/XX/XXXX {$XXXX} XXXX  XXXX XX/XX/XXXX {$XXXX} XXXX XXXX XXXX XXXX XX/XX/XXXX {$XXXX} XXXX XXXX XXXX XX/XX/XXXX {$XXXX}
Product: Credit reporting or other personal consumer reports

This CEPB comolaint ha been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the fraudulent, inaccurate, and false information. XXXX accounts nave meuited in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer rico credit report maintained by you wnich shows the atorementioned traudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as eported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquines are the result of identity theft and fraud.
Product: Mortgage

On XX/XX/XXXX, the loan servicer XXXX XXXX created a new escrow analysis, stating that they anticipated the county tax disbursement for XX/XX/XXXX is {$9100.00}, and school tax disbursement for XX/XX/XXXX is {$5200.00}, based on XXXX XXXX county tax {$4400.00} and school tax {$5200.00}. Loan care 's escrow department mistakenly calculate the County tax for XXXX as a combination of XXXX XXXX XXXX tax and school tax. With addtion of school tax, XXXX XXXX created a shortage of {$1700.00} as of XX/XX/XXXX, then increased the escrow payment from {$1000.00} to {$1400.00} and another prorated shortage of {$140.00}, totalling a {$560.00} increase in escrow payment, despite of the county has not updated the XXXX 's assessed value or property bill yet. This is totally XXXX XXXX 's calculation mistake. As soon as I received the incorrect escrow analysis statement, I called XXXX XXXX  to correct, no actions was taken on XX/XX/XXXX. I then made 4~5 phone calls talking to different customer representative, they all told me the ticket is handling by the escrow department and soon will be update. As of XX/XX/XXXX, XXXX XXXX still does not want to cure this mistake and has been charging me the {$560.00} overage on escrow for XX/XX/XXXX and XX/XX/XXXX 's payment. My payment history is ALWAYS one time with XXXX XXXX, no late payment at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to file a complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding your failure to provide proof of reinvestigation in response to my dispute. 
On XX/XX/2022, I submitted a dispute to your company regarding XXXX XXXX XXXX ( Collection ), XXXX XXXX XXXX ( Collection ) XXXXXXXX XXXX XXXX XXXX ( Collection ), XXXX XXXX XXXXXXXX ( Collection ) and XXXX XXXX ( Collection ). As part of my dispute, I requested that you reinvestigate the information and provide me with proof of the reinvestigation, as required by the Fair Credit Reporting Act ( FCRA ). 

However, despite multiple requests for proof of reinvestigation, I have yet to receive any documentation from your company showing that you have completed a reinvestigation of the disputed information. This failure to provide proof of reinvestigation is a violation of my rights under the FCRA and has caused me significant harm and financial loss. 

I am requesting that you immediately provide me with proof of reinvestigation for the disputed information, as required by law. Additionally, I request that you remove any inaccurate or incomplete information from my credit report and take any other necessary steps to ensure that my credit report is accurate and complete. 

If I do not receive a satisfactory response to this complaint, I will be forced to pursue legal action to protect my rights under the FCRA. 

Thank you for your attention to this matter.
Product: Credit card

I authorized Alliant to withdraw the minimum monthly payment from my XXXX XXXX  account ( also known as XXXX XXXX XXXX ) for my credit card. However, they drafted the entire balance instead, resulting in an XXXX fee as the full amount was not available. Despite their error, they have refused to reimburse me for the XXXX fee. 

On Tue XX/XX/XXXX, I received a XXXX % Balance Transfer offer from Alliant. 

On Fri XX/XX/XXXX, I took advantage of the offer and transferred a balance of {$26000.00}. 

On Fri XX/XX/XXXX, I adjusted my recurring payment from 'Statement Balance ' to 'Minimum Payment ' from my Brilliant Bank account . It was then that I realized the minimum payment was higher than expected. Upon calling Alliant to inquire about the calculation, a representative informed me it was XXXX   % of the balance, which I later discovered was incorrect ; it's actually XXXX  %. Despite bringing this discrepancy to their attention, the representative stated " XXXX  % was what I was told. '' I also expressed concerns about the difficulty I experienced navigating their site during the setup of the recurring payment. I asked the representative to confirm that my recurring minimum monthly payment was set up properly. He assured me that the email confirmation I received was accurate. 

On XXXX XX/XX/XXXX, I discovered my XXXX  Bank account was overdrawn, revealing that Alliant had attempted to draft the full credit card balance instead of the authorized minimum payment. After extensive communication with Alliant, they promised to deposit the full amount into my Alliant savings account, minus the minimum payment, which never materialized. I insisted on reimbursement for the overdraft fee I incurred. 

By Mon XX/XX/XXXX, Alliant informed me that they wouldn't reimburse the XXXX  fee due to the 1 to 2 billing cycles it supposedly takes for changes to recurring payments to take effect. This information was not communicated to me when I made the change. They claimed it wasn't their fault, but regardless of their claim, the XXXX  fee occurred because of their erroneous withdrawal after the change in authorization.

Subsequently, I removed the recurring payment and made manual payments to cover the minimum payments for the current month and the followin month. Despite this, I received numerous calls and emails from Alliant claiming my account was overdue, indicating a serious lapse in their customer service.

Their decision not to reimburse the XXXX  fee is unjust. Alliant confirmed both in writing and verbally that my recurring minimum payment was set up correctly, giving me no reason to believe otherwise. They should be held accountable for the financial loss they caused and their business practices scrutinized. I seek your assistance in obtaining reimbursement for the XXXX  fee and urging Alliant to review their practices.
Product: Mortgage

This is in regards to Shellpoint Mortgage Servicing and their attempt to charge us for insurance on a property address where we do not and have never lived at. They have our XXXX XXXX XXXX  information for our current address and location of our mobile home. We have never lived at the address that Shellpoint has provided. After several attempts, Shellpoint refuses to change our physical address. Thank you for looking into this matter.
Product: Credit reporting

EQUIFAX SOLD A CREDIT COMPANY XXXX XXXX XXXX A DEBT I HAD ON MY CREDIT FILE AFTER IT WAS 10 PLUS YEARS OLD WHEN ACCORDING TO FCRA LAWS A DEBT IS NOT ALLOWED ON YOUR FILE AFTER 7 YRS. WHEN EQUIFAX WAS WRITTEN A LETTER IN XXXX BY ME THAT THIS DEBT WAS FROM 2004 AND SHOULD NO LONGER BE ON MY CREDIT FILE AND TO REMOVE IT AT ONCE THEY. ( EQUIFAX ) SOLD THE DEBT TO XXXX XXXX XXXX XXXX IN XX/XX/XXXX INSTEAD OF ABIDING BY THE FCRA LAWS " NO DEBT CAN BE REPORTED ON A CREDIT FILE AFTER 7 YRS. " A CLEAR VIOLATION OF A FCRA LAW. WHEN I WAS NOTIFIED BY XXXX XXXX XXXX XXXX IN XX/XX/XXXX I TOLD THEM WHAT OCCURRED THAT EQUIFAX SHOULD OF AND WAS NOT ALLOWED BY FCRA LAW TO SELL YOU THAT DEBT AND I SHOWED THE CREDIT FILE THEY IMMEDIATELY SENT ME A LETTER STATING THEY ARE NO LONGER COLLECTING ON THIS DEBT AND I AM NO LONGER OBLIGATED TO PAY THIS DEBT. THEY HAVE VIOLATED MY RIGHT AND I WANT THEM TO REMOVE ALL NEGATIVE ITEMS FROM MY CREDIT REPORT AND HELD ACCOUNTABLE OR I WILL SUE THEM IN COURT FOR XXXX XXXX DOLLARS ALLOWED BY THE LAW ...
Product: Credit reporting, credit repair services, or other personal consumer reports

They do not have the identity of the original creator. They do not have the license in the state of Florida, and they have not given me my license numbers and registered agent. And we have already send two letters to take away the negative account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be advised, I noticed the credit bureaus that I had been a victim of identity theft. Per FCRA I asked them to block information from my report. Not only did they ignore my request, it seems as if the are evaluation of the FCRA and the FTC. I sent a statement ftc report and proof of identity. It was also names on my report I never went by Accounts XXXX XXXX {$380.00} XXXX XXXX {$810.00} XXXX XXXX {$1200.00} XXXX XXXX {$1600.00} Please see attached FTC report for additional information amounts account numbers and off please like this information from my report as it was right please block this information for my report as Ive sent in the proper identification if I dont hear back from you and this is not a block within four days I will make a complaint with the attorney generals office and seeking to get a legal counsel XXXX XXXX XXXX XXXX XXXX XXXXXXXX All of the following names are fraudulent and needs to be removed. 
Please see attached FTC report and proof of identity thank you
Product: Debt collection

On XX/XX/XXXX I told XXXX XXXX I never had a account with them and reported fraud no one helped me XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Iam not aware of these charges and need them removed I also have hard inquiries XXXX XXXX and XXXX I need these removed asap
Product: Mortgage

My general problem is that my mortgage was sold without my consent to a different mortgage company ( Mr. Cooper ). I am dissatisfied with the service provided by this new company, but I can't just change to a different company. My only choice is to re-finance with a new company and incur the costs associated with that transaction along with a potentially much higher interest rate. Also, there's no guarantee that my newly refinanced mortgage wouldn't simply be sold right back to the same company I'm dissatisfied with. 

This leaves all the power in the hands of giant financial institutions and leaves consumers like me with no choices at all. Most home owners in the US are just like me and my husband : we have one mortgage on our primary place of residence. This represents our largest single investment. Yet we have zero choice once closing documents are signed as to what company will continue to service our mortgage. 

Average consumers should have more control over who services their mortgage than faceless corporations we've never heard of who provide poor service.
Product: Credit reporting, credit repair services, or other personal consumer reports

Remove old obsolete accounts. 

Remove XXXX - XXXX XXXX According to my record, the date of my first delinquency was XX/XX/XXXX, and the fall-off date is XX/XX/XXXX. 

It has been on my credit report for 7 years and 9 months. XXXX and TransUnion refuse to remove the account. 

XXXX has removed the account. Why are XXXX and TransUnion continuing to violate the fair credit reporting act?