23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

My loan was transferred to a new Mortgage Servicer ( Roundpoint Mortgage Servicing LLC ) on XX/XX/XXXX and they re-analyzed my escrow and sent me a letter informing my monthly payment was increasing from {$1100.00} to {$1200.00} due to their new analysis. However, the old mortgage company ( XXXX ) had already did an " annual '' XXXX XXXX on XX/XX/XXXX and sent me the statement indicating what my monthly mortgage payment was going to be starting in XX/XX/XXXX to XX/XX/XXXX. The new servicer acknowledged having that escrow analysis from the old company & my payment was {$1100.00} with them up until XX/XX/XXXX which they changed the payment to {$1200.00}. I asked them why they're not honoring the " annual '' Escrow analysis that was done and was told they send it in for approval but nothing has changed after talking with them starting back in XX/XX/XXXX after getting their new analysis. Each time I talk with them they tell me they are submitting it for approval to honor the escrow analysis that was done by he old company and I asked them this last time why do I need to get approval when an " annual '' escrow analysis was already done projecting my payment of {$1100.00} until XX/XX/XXXX. I demanded that my payment be changed back to {$1100.00} but again after 3 calls over several months they only agreed to submit if for approval. I think it's against the law for them change my payment when I've already had an " annual '' escrow analysis done. I'm getting nowhere with Roundpoint Mortgage and I see there are a lot of XXXX complaints against them for this and lots of negative reviews from other consumers regarding these same issues with Escrow & Insurance.
Product: Credit card or prepaid card

I purchased a leather 3 piece leather coach, loveseat and lazy boy from HHGregg in XXXX of XXXX. When I received the furniture the coach had a hole in the back and HHGregg had a repair company to call me and I scheduled an appointment. I took off work for the appointment and no one showed up to later find out that HHGregg had shutdown. I keep trying to contact someone and was unable to contact anyone at HHGregg. In XXXX of XXXX HHGregg added {$2400.00} on my bill for deferred interest. I contacted synchrony bank whom handles the payments and filed a complaint. I should not owe anything for a damaged living-room set that they never repaired. It was very unprofessional to have a company schedule me an appointment and no one called to say that they would not be coming out because HHGregg went out of business.
Product: Debt collection

Approx a year or so ago, I paid down my account with conns furniture to $ XXXXHowever, .I wasn't able to finish out my 24 no interest terms. So, like most creditors, they added two years of interest to my account, and refused to negotiate with me. I understand that this was my fault. However, I'm struggling with payments and they have been made aware.However. The late payments have led to multiple calls a day, as many as XXXX calls. They are relentless with calls starting after XXXX until late evening. I work XXXX XXXX XXXX and this has become very disrespectful and disruptive to my sleep. Please help me to get this under control. Harassing and excessive phone calls are forbidden by law.
Product: Mortgage

I talked to a representatives of Fay Servicing about clearing up a non payment issue on XX/XX/XXXX. I have called twice a day on the XXXX. I have left messages and call back requests. They have not cashed 2 of my checks and are sending me letters telling me I am in pre foreclosure. I just want this cleared up and back on a payment schedule.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the accuracy of the information you have reported on my credit file regarding the account referenced above, allegedly owned by XXXX XXXX XXXX. This information is incorrect and must be removed immediately in compliance with the Fair Credit Reporting Act ( FCRA ). 

The alleged debt associated with this account has not been validated by XXXX XXXX XXXX despite my repeated requests. As per the Fair Debt Collection Practices Act ( FDCPA ) 15 USC 1692g ( b ), I have the right to demand proper validation of any alleged debt, and XXXX XXXX XXXX has failed to provide sufficient documentation to establish the legitimacy of this account. 

Under 15 USC 1681i of the FCRA, I am formally requesting an investigation into this account. Please take the following actions : Verify the validity of this alleged debt with XXXX XXXX XXXX and provide me with documentation that proves the account is mine, including a copy of any signed contract or agreement with the original creditor. 
If the account can not be fully verified, delete this account from my credit report immediately. 
Please also note that XXXX XXXX XXXX is required to cease reporting this account to any consumer reporting agencies until proper validation is completed, as stipulated by FDCPA 1692c ( c ).
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax, Transunion and Experian for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax, Transunion and Experian consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. $ 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax, Transunion and Experian 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C {$5500.00} ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax, Transunion and Experian complies with federal law and provides consumers with the necessary proof of investigation,
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian 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 on XX/XX/XXXX under the account number ( XXXX ), a credit card account opened at XXXX XXXX  on XX/XX/XXXX under the account number ( XXXX ), a credit card account opened at XXXX on XX/XX/XXXX under the account number ( XXXX ), a credit card account opened at XXXX  XXXX on XX/XX/XXXX under the account number ( XXXX ), a charge account opened at XXXX  on XX/XX/XXXX under the account number ( XXXX ), a charge account opened at XXXX on XX/XX/XXXX under the account number ( XXXX ), an loan account opened at XXXX on XX/XX/XXXX under the account number ( XXXX ), an loan account opened at XXXX XXXX  on XX/XX/XXXX under the account number ( XXXX ), an loan account opened at XXXX XXXX  on XX/XX/XXXX under the account number ( XXXX ), an loan account opened at XXXX XXXX on XX/XX/XXXX under the account number ( XXXX ), a cellphone account opened at XXXX on XX/XX/XXXX under the account number ( XXXX ). 
These accounts have resulted in several fraudulent hard inquiries, late payments, charge off, closed accounts with negative balances, Public Record and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, late payments, charge off, closed accounts with negative balances, Public Record or hard inquiries as reported. The aforementioned accounts, collections, late payments, charge off, closed accounts with negative balances, Public Record 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 ), ( XXXX ), ( XXXX ), ( XXXX ). as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, late payments, charge off, closed accounts with negative balances, Public Record and hard inquiries are the result of identity theft and fraud.
Product: Credit card

I received a letter from Bank of America dated XXXX XXXX, ( Reference number : XXXX ) informing me a credit card application in my name was denied. I did not apply for a new credit card. BOA employee XXXX said the application was filed XXXX XXXX, XXXX, but could not provide other details. He provided this reference number for their fraud investigation : XXXX. He suggested I contact XXXX, which has provided my credit score. XXXX took a fraud complaint from me and suggested I contact the FTC.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ).
Product: Credit card

I came home and in my mail was a credit card that I didn't apply for. 
When I called the company they would Not give me information on the card. 
I have an account number but they kept asking for my social security number and date of birth. 

The company is called Chime XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX I still have no idea when the account was opened or if thete is an account. They will not give me info. 

I have an account number on the card but they say they can't get my info even with an account number. 

Thanks for your time. I hope I filled this out correctly XXXX XXXX XXXX
Product: Debt collection

I've been trying to clear this balance off my credit since I paid it in full. the collections sent me a paid in full later but XXXX refuses to remove the balance.
Product: Credit card or prepaid card

I never been late with this accounts, and please update it, and I always paid on time that's why this is ridiculous.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Re : Social Security Number XXXX Re : Letter to Remove Inaccurate Credit Information Recently I looked at a copy of my credit report and noticed several incorrect accounts. I feel that these accounts are adversely affecting my credit report and costing me thousands of dollars in interest every year. It is my understanding that you will investigate these items for me to ensure accuracy. 

Here are the items I am asking you to verify as accurate. 
XXXX. XXXX XXXX XXXX XXXX XXXX Account Number XXXX Reason : Inaccurate and Misleading Showing A Balance Owed With Charge off Status. 
Reason : Debt Sold to Collections. 
Please investigate & delete this account Best Regards, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

There is an account listed on my credit report as " XXXX  '' that shows it was opened in XX/XX/XXXX and closed XX/XX/XXXX. it says that it was charged off and that the company holding the debt can be reached at the phone number : ( XXXX ) XXXX I have contacted XXXXXXXX XXXX  directly as well as the phone number listed on my credit report. Neither have any record of my information or this debt owed. I have given them all of my information, spoken to more than 10 representatives over the course of 2 weeks. I have received no help, and no one has been able to verify this information, what this account is, or tell me why its on my credit report. 

This is a violation of my rights under the fair credit reporting act.
Product: Credit reporting or other personal consumer reports

Incorrect account information FICO SCORE NEVER UPDATED FROM DELTED ACCOUNTS OR DELTED INFORMATION AS PER 15 U.S.C 1601 AS PER 15 USC 1692c AS PER 15 U.S.C 1602p
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, 2017, I learned that my data ( possibly including my name, Social Security number, birth date, address, drivers license number, and credit card numbers ) was taken from Equifax due to a security breach. Equifax failed to protect my data and stored it in a way that allowed it to be stolen.
Product: Checking or savings account

I currently have a dispute with PNC over unauthorized payments ( around {$1500.00} ) to something called XXXX XXXX XXXX. That initial payment was on or around XX/XX/2023. 

While I was out of the country, on XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX somehow got {$53.00} from my checking account via my debit card. This happened nearly two weeks after I reported XXXX XXXX XXXX as suspicious to PNC. Yet they didn't block or even flag them for this debit. 

I called PNC as soon I noticed this, yesterday ( XX/XX/XXXX ). They apparently have no mechanism in place to block parties I've warned them of. They refused to escalate the situation, even though I have a current dispute over the same vendor. 

Further, I reached out to someone at PNC on their executive customer service team ( or whatever group it is ), but was quickly dismissed with " It's still in dispute. '' I'm waiting on a call back from them.
Product: Credit reporting or other personal consumer reports

XXXX did a 30-credit report update on my account as of XX/XX/2024 and dropped my credit from a XXXX to a XXXX and stated the reason that had account balance on my account with balance that had already been paid of 10 days or more. 


They are showing a XXXXXXXX XXXX account ending in XXXX with a balance of {$200.00}. And they account was paid in full as of XX/XX/2024.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identify theft and i have been trying to get inquires and other debt collections off my report for months and no luck and i continue to get credit inquires on my credit report XX/XX/18 XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/18 AND XX/XX/18 XXXX XXXX XXXX XX/XX/18 XXXX, XXXX   XXXX XX/XX/18 XXXX XXXX XXXX XX/XX/18 XXXX XX/XX/18 XXXX XXXX XXXX XX/XX/18 XXXX XXXX XXXX  XX/XX/18 XXXX XXXX XX/XX/18 XXXX XXXX XXXX  XXXX XX/XX/18 XXXX XXXX XXXX XX/XX/18 WESTLAKE SERVICE INC XX/XX/18
Product: Credit reporting or other personal consumer reports

" After reviewing my consumer report, I noticed that there was still late payment on my consumer report which have never been late because the creditor failed to provide any proof or evidence so this needs to be corrected immediately to paid as agreed and never late. This account is related to a transaction and experience that falls under the XXXX section of the FCRA 's definitions, rules of construction section. It was also reported without my written consent and therefore is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be Corrected. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency name liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please CORRECT this item from my consumer report! According to15 U.S. Code 1681b - Permissible purposes of consumer reports The Law clearly states : ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I clearly did not give your agency written authorization or written instructions to report this information. Your agency is conspiring with these creditors against me in committing aggravated identity theft and I have sustained defamation of my character, just to name a couple damages should this matter escalate to court. 15 U.S. Code 1681e - Compliance procedures- ( b ) Accuracy of report 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. 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. ''
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that this item is being reported correctly? Who verified this item? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the items listed below I wanted to confirm my thoughts and contacted the companies directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ITEMS? I believe you have not verified these items based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

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

Formal Dispute of Inaccurate Credit Reporting under FCRA and Consumer Law To whom it may concern, I am writing to formally dispute inaccurate information on my credit report. This dispute is to submit under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C 1681i, which requires credit reporting agencies to conduct a reasonable reinvestigation of disputed items.

Recent findings by the consumer financial protection Bureau ( CFPB ) have brought to XXXX significant concerns regarding Experians failure to conduct proper investigations. Specifically, in a lawsuit filed against Experian, the CFPB alleges that the company engaged in sham investigations, violating, consumer protection laws by failing to meet its obligation under FCRA. 

As per 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), Experian is required to conduct a thorough and reasonable investigation of disputed items within 30 days. Furthermore, under 15 U.S.C. 1681i ( a ) ( 5 ), any information found to be inaccurate, incomplete, or unverifiable must be promptly deleted or corrected. Failure to adhere to these requirements constitutes a violation of federal law. 

I hereby request that Experian : XXXX. Conduct a thorough reinvestigation of the following disputed accounts or items in XXXX. Provide me with all documentation used to verify the accuracy of the dispute. 
XXXX. Correct or delete any information that can not be verified, or is inaccurate, as mandated by law. 

Given the recent CFPB findings, I expect Experian to handle this dispute with the utmost seriousness and compliance with legal standards. A copy of my identification and any relevant supporting documents are enclosed to facilitate your investigation. 

If Experian fails to comply with its obligations under FCRA, I will not hesitate to escalate this matter to the CFPB and purse any necessary legal actions to protect my rights. 

Please respond to this dispute in writing within to legally mandated timeframe. I expect written confirmation of any changes made to my credit file.
Product: Credit reporting or other personal consumer reports

XXXX XXXX placed a hard inquiry on my credit. That I did not authorize nor recognize. 
Inquiry Date XXXX. Type, Credit Union.
Product: Credit reporting, credit repair services, or other personal consumer reports

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS
Product: Checking or savings account

I am filing a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 

Under 15 U.S Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report. It shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1691i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information as appropriate, based on the results of the investigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.