23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

XX/XX/XXXX Received an Annual Escrow Disclosure Statement stating there was an escrow shortage amount of {$640.00}. The escrow shortage could be paid in full ( {$640.00} ) or paid over 12 months with an additional increase in the monthly payment of {$53.00}. We have chosen to pay over 12 months. When double checking the new amount due on line the payment increase was {$160.00} not the XXXX, a difference of {$100.00}. 
XX/XX/XXXX Spoke to XXXX XXXX at Shell Point. She or her manage were not able to explain the difference. XXXX XXXX of Shell Point initiated a complaint be filed on my behalf. She would not give me a time reference for a response from Shell Point. 
XX/XX/XXXX Next mortgage payment is due in 2 days and unsure of how much to pay, feel as I am being over charged and at their mercy. 

Shell Point mails out mortgage statement on the XXXX of the month for the month they are due. My mortgage is due on the XXXX of the month. Yes I understand their is a grace period, I pay my bill on the due date. 

I have an excellent credit score and have never in all my many many years have had to deal with a mortgage company that is so confusing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'M HAVING ISSUES WITH ACCOUNTS REPORTING ON MY CREDIT FILE AND THE CREDIT BUREAUS ARE NOT HELPING.
Product: Debt collection

To Whom It May Concern : I am writing to formally dispute the alleged debt referenced in your recent communication. Pursuant to 15 U.S.C. 1692g, I request validation of the debt. Specifically, please provide the following : 1. The name, address, and contact information of the original creditor.

2. A detailed breakdown of the debt amount, including the principal, interest, fees, and any payments made.

3. Documentation of the chain of assignment, showing all transfers of the debt from the original creditor to your company. This should include : Copies of all agreements, bills of sale, or other documents evidencing the transfer of ownership.

Proof that my specific account is included in the transfer ( s ).

4. A copy of the forward flow agreement or relevant portions thereof, demonstrating your right to collect this debt, and whether it includes my specific account. 

Please note that until this information is provided, I do not recognize or acknowledge this debt. I request that you cease all collection efforts, as required by law, until proper validation has been completed. 

This request ensures that the debt collector is held to a high standard of proof, increasing the likelihood that only legitimate debts are pursued. 

DO NOT SEND ME NO STATEMENTS! SEND ME THE ABOVE MENTION. IF NOT, DELETE IMMEDIATELY!! 

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

I am attaching a copy of my ID theft report for a XXXX  XXXX XXXX account being reported on my credit reports. XXXX  XXXX XXXX is ignoring the fact that I did not open this account and as stated in my ID theft report a past roommate/Co-habitant used my personal information to open this account. Please see the attached theft report. Furthermore, In accordance with FCRA 605B ( 15 USC 1681c-2 ) I hereby give you 4 days to block the information I am reporting as it pertains to fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent my dispute letter to equifax disputing incorrect reporting of accounts on XX/XX/22 and that letter was received by them on XX/XX/22 which you can see they received on that date via the green return receipt that's attached. They failed to update the comments on those disputed accounts to say " disputed by consumer '' which you can see on the highlighted accounts that are attached as well in the " additional information '' section. That is a violation of federal law because they have 30 days to update the accounts and they failed to do so which means those accounts must be deleted. Going forward, if my complaint is disregarded, I will enter a class action lawsuit against your company for willfully failing to meet statutory obligations pursuant to the FCRA. 

I declare under penalty of perjury that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621.
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS IS MY THIRD COMPLAINT AGAINST XXXX XXXX FOR ALLOWING IDENTITY THEFT. 
IN XX/XX/2013 a XXXX XXXX Credit Card appeared on all 3 credit reports in the amount of {$7700.00}. 
See my response to the most recent complaint. 
XXXX XXXX mailed yet another letter requesting me to spend money on mailing them data. 
I will not spend one more dime mailing this corrupt, fraudster bank anything. 
IN order to close this complaint and stop me from writing every day if I have to they need to have mailed to me via email copies of CLEAN credit reports from all 3 agencies. They have been provided addresses and ssn info to clear up this matter and they continue to play cat and mouse about getting a XXXX XXXX XXXX XXXX credit card off of my credit report in the amount of {$7700.00}. 
I am so furious about this I can not see. 
I noted this error in XX/XX/2013 and complained then. I have written from XXXX spending money I should not have had to spend. Sure, one can say well it's a small amount. NO AMOUNT IS SMALL when you are dealing with a corrupt financial institution who has been fined and cited by the US Government for numerous laws broken - in my case, it is indentity theft, a credit card, and {$7700.00}, and finally failure by XXXX XXXX to take the necessary action in removing the {$7700.00} and providing to me copies of my credit reports. 
Again, I will write every week if necessary and I will only deal with XXXX XXXX through this site. No more letter writing or trying to deal directly with XXXX XXXX liars. I know - you are far too sophisticated to use the word lie - but you are big fat liars. 
Send me clean copies of my credit report NOW. 
XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I reviewed the results that you have sent back to us after your investigations, I appreciated you for removing some of the inaccurately reported accounts, But it seems the investigation is not fully done, I still profoundly dispute the following remaining Accounts. These items are still reporting illegally which leads to great damage to myself. I would need your help to fix my credit. 

Based on my rights with the Fair Credit Reporting Act Section 1681i, I request you to re-investigate. I look forward to your reply and address my concerns right away! 

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

This company is reporting false and negative items on my credit report. I tried to resolve this issue over 60 days ago and I still havent got a response nor have I gotten anything removed. I am trying to get a mortgage, how can I move on with that process if this company is failing to help resolve my issue. I attached the letters and my identification for confirmation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed my chapter XXXX bk on my credit report. My XXXX  XXXX  was frozen for security reasons at the time. Yet when I disputed it they said they verified with a company ( XXXX XXXX ) XXXX XXXX said that it wouldn't be possible while it frozen. I know because the same thing happened on my XXXX and they were un able to verify it just weeks earlier when I disputes it with them I reached out to the court out of cuirousity and they said they don't report any info to the bereaus. Experian lied when giving info on my dispute.
Product: Debt collection

I never had a credit card that was in this large amount of {$13000.00}. I did have a card in 2006 but it only had a limit of {$5000.00}. They would refuse to accept any of my offers to pay them smaller amounts. I have no proof that this was the same card. This debt has been sold over and over and XXXX , XXXX has harassed and scared me with letters over the years. I never received any phone calls and now I am receiving a summons to garnish my wages! I have no job and XXXX children. I have a bank account set up under my father that I do not want them to touch. This is his money, not mine.
Product: Debt collection

It has been a few years that this Company Account Resolution Service has harassed me in an attempt to collect a debt that doesn't belong to me. They have sent me billing for amounts owed and I've sent them certified paperwork stating to them that the debt isn't mine 3x as well as the bureaus. I have stated to the parties involved that I in fact do not refuse to pay a debt that I owe, but that I would need proper validation e.i. ( 15 usc 1692g ) as a consumer and a working middle class law abiding citizen I in fact have that right of decency. The company has yet to respond to my request of providing me competent evidence that this debt is mine in association with them. I have no legal binding contracts with Account Resolution Services, I have never made any verbal or written agreements with the company. ARS claims that I am in debt to them in the amount of {$1100.00}. I have and medical Insurance and has always had medical insurance. I has gotten to the fact that it is affect my credit score horribly. I have in endured this emotion suffering thru anxiety because I have exalted all corners to get fair practices thru consumer rights, at this point this is my last route before I pursue legal litigation in this matter because it is also starting to affect me financially on top of the aspects of the Covid19 devastation which has directly affected me and my family. these agressive practices should not be aloud amongst consumers.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my report to buy a car and I seen frivolous amounts of inquiries on my report that I did not authorize nor recognize here is a list from Transunion XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

ln accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX 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 fumish a account without my written nstructions
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX and I am not a third party. I am a consumer disputing again for myself. 
I disputed information on my credit report that some how without doing a proper investigation like interviews with neighbors, friends, associates as the law states Equifax should, Equifax relied on electronic verification instead. No original documents no accounting audits nothing 100 % accurate and verifiable as Congress makes clear just a paid verified. I XXXX XXXX also never gave Equifax written consent to furnish any information on my consumer report 15 USC 1681b ( a ) ( 2 ) No Permissible purpose and youre reporting fraudulently with no consent. Now, Equifax is civilly liable.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the late payments on XXXX XXXX XXXX XXXX account for months. The credit bureaus refused to reverse the late payments. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. CFPB please step up and fix this ASAP
Product: Credit reporting or other personal consumer reports

XXXX XX/XX/year> XXXX XX/XX/year> I recently reviewed a copy of my credit report and noticed some unrecognized and unauthorized inquiries.
Product: Money transfer, virtual currency, or money service

I am filling a formal complaint against Cash app ( Block , Inc ) for inadequate customer service and unfair practices that violate the Consumer Financial Protection Protection Act ( CFPA ) 12 U.S.C 5531 ( a ). Specifically cash failed to implement timely and effective measures to prevent and address fraud on their platform leaving my account vulnerable and unprotected constitutes an unfair and deceptive act or practice under the CPFA FUTURE MORE cash app dispute resolution process was both unfair and deceptive. They failed to comply with the error resolution requirements mandated by the Electronic fund transfer act ( EFTA ) 15 U.S.C 1693f and its implementing regulations, Regulations E, 12 C.F.R 1005.11. The laws require financial institutions to investigate and resolve disputes promptly and in good faith, yet cash app failed to meet these obligations.

These violations have caused significant inconvenience and financial loss. I am seeking appropriate redress for these violations of federal law
Product: Credit reporting or other personal consumer reports

Subject : Request for Removal of 30-Day Late Payment Due to Nationally Declared Disaster Dear Sir/Madam, I hope this letter finds you well. I am writing to humbly request your assistance regarding a financial hardship that occurred during the nationally declared disaster in XXXX, which I addressed with XXXX. My intention is to seek your understanding and compassion in addressing a 30-day late payment that has continued to cause a significant financial burden. 

During the declared disaster in XXXX, our household was severely impacted by the COVID-19 pandemic. Several members of my family, including myself, XXXX XXXX XXXX, which led to an inability to work and maintain regular income. As a result, despite our consistent efforts to manage our finances responsibly, we fell behind on one bill payment during this challenging time. 

The 30-day late payment, which occurred during this period of extreme hardship, was an isolated incident in an otherwise impeccable payment history. The account in question has since been paid off, and I have continued to uphold responsible credit practices. However, this single late payment has had a lasting negative impact on my credit report, affecting my ability to secure financial stability for my family. 

I am appealing to your sense of fairness and humanity to consider the extraordinary circumstances that led to this oversight. The COVID-19 pandemic was a time of unprecedented struggle for many, and I believe that showing compassion and understanding in such situations aligns with the principles of the Consumer Financial Protection Bureau . 

I kindly request the removal of the 30-day late payment from my credit report as a gesture of goodwill and recognition of the hardships faced during the nationally declared disaster. This adjustment would not only alleviate the ongoing financial burden but also allow my family and me to move forward from a time we would prefer to leave behind. 

Thank you for considering my request. I sincerely hope for a favorable resolution and am willing to provide any additional information or documentation that may be required. 

Yours faithfully, XXXX XXXX
Product: Credit reporting or other personal consumer reports

What happened ( statement of pertinent facts ) : Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been led to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number ( XXXX ), another personal credit card account opened at XXXX XXXX XXXX  on XX/XX/XXXX under the account number ( XXXX ), another personal credit card account opened at XXXX XXXX Bank on XX/XX/XXXX under the account number ( XXXX ), and another credit card account opened at XXXX XXXX XXXX  on XX/XX/XXXX under the account number ( XXXX ) and a collections account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number ( XXXX ) .These accounts have resulted 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 FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. 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 inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX, Experian has not explained why I learned from lead supervisor of XXXXXXXX XXXX  XXXX, XXXX XXXX that he spoke with Experian Rep XXXX XXXX, in the Data Reporting Team Dispute # XXXX. XXXX, according to XXXX, sent him an email saying that Experian had " purged '' my account from Experian 's database which is a direct contradiction to Experian 's response dated XX/XX/XXXX and to their response XX/XX/XXXX that does not acknowledge this issue - " purged. '' I have had this mortgage since XXXX almost 20 YEARS. This does not make sense. 

I did not ask to have my mortgage file purged from Experian, and XXXX said they did not ask to have their trade line purged from my account. 

Why did Experian " purge '' my mortgage credit history? My mortgage credit history is on all the other credit bureaus? 

I do not need a report mailed to me in 10 days that does NOT include my mortgage history. I already have a credit report sent to from Experian that is incomplete in XXXX. I am getting terrible and dishonest service. 

Experian has provided form response that does NOT answer the question or lead to a fair resolution. 

Why was my mortgage history purged from my credit report by Experian? This history is the most significant one to my credit score and credit worthiness.

Who authorized this kind of action against me and why? I have spoken to many Experian representatives over the past few months and not one has told me the truth. 

They kept saying that they were not getting a report from XXXX XXXX XXXX XXXX XXXX and nothing about having deleted their trade line from my credit file. They gave me a number for XXXX to call XXXX and no one answers this number for the BUSINESS side. It rings and rings. XXXX XXXX had to send an email and he reached XXXX who opened a file to address the concerns to find a resolution.
Product: Credit card

In response to my first complaint, I am attaching an e-mail that I received from a representative of Capital One. Apparently this was just a joke. I have called 4 times, was put on hold for about 20 minutes, and the " foreigner '' I spoke to ( I could not properly understand him ) said this lady was not available. I guess the joke ( more deception ) is on me, right? Attached is the e-mail for your review : XX/XX/2017 Capital One Case : XXXX Dear XXXX XXXX, I 'm reaching out to you about your concerns. I would like to try to help you with this. 

Please give me a call at the phone number below at your earliest convenience. 

I am available from XXXX.-XXXX PT, Monday-Friday at XXXX. When contacting me, please use XXXX as the XXXX-digit PIN when prompted. My XXXX-digit extension is XXXX. I 'm glad to help any way I can. 

Sincerely, XXXX XXXX, on behalf of Capital One
Product: Credit reporting or other personal consumer reports

I am writing to request the immediate blocking and deletion of specific accounts appearing on my credit report due to a data breach that has exposed my personal information. In accordance with my rights under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am seeking the removal of these accounts to protect my credit from any further misuse or potential harm. 
Accounts to be Blocked and Deleted : XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$10000.00} Inquiry to be Blocked and Deleted : XXXX XXXX  - XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute inaccurate information that appears on my credit report. I am exercising my right to dispute this information under the Fair Credit Reporting Act ( FCRA ), Section 611 ( 15 U.S.C. 1681i ).

The following item on my credit report is incorrect and I request that you investigate and remove it : Creditor Name : [ XXXX XXXX Bank ] Account Number : [ XXXX ] Reported Late Payment Date : [ XX/XX/year> ] This late payment report is inaccurate because the payment in question was never actually late. The issue arose due to a dispute regarding an escrow account payment, which was charged unfairly for a reported lapse in our insurance policy. We were actively disputing this charge at the time, as we had continuous insurance coverage and believe the reported lapse was an error. 
During this dispute process, we continued to make our regular mortgage payments on time. Unfortunately, it seems the disputed escrow amount was incorrectly flagged as a late payment. 
I request that you investigate this matter and remove the erroneous late payment report from my credit history. If you are unable to verify the accuracy of this information, it should be promptly deleted from my credit report as required by the FCRA. 
Please provide me with the results of your investigation within 30 days, as required by the FCRA. If you find that this information is indeed inaccurate, please send me an updated copy of my credit report. 
Thank you for your prompt attention to this matter.