23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Recently, the inquiries under an XXXX report with reference number XXXX were still present in my XXXX credit report, whereas the other credit bureaus have removed the inquiries, leaving only the inaccurate personal information to be addressed. If you do not remove the following inquiries listed below, which are inaccurately reported due to erroneous credit report entries, I will forward my documents to my attorney to initiate legal action. It is my intention to avoid any legal action, so please adhere to the law. I have also attached a new XXXX report with reference number XXXX. Please remove the following inquiries as they are unauthorized and were opened without my consent or knowledge : 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 XXXXXXXX. If you claim these inquiries are 100 % accurate and verifiable, then I need you to provide me with copies of any documentation associated with these inquiries that bear my signature, as I know none exist. In the absence of such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. Please note that you have four business days to remove the reporting of any items in my credit file that resulted from erroneous credit report entries. I do not consent to XXXX or any means of automated verification. I expect your immediate attention to this matter and a response within four business days.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  account # XXXX, has violated my rights. 

15 U.A.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: Mortgage

I am writing to file a formal complaint against Essex Mortgageregarding their handling of my mortgage escrow account. I believe that the company has violated several federal regulations, including those under the Real Estate Settlement Procedures Act ( RESPA ) and Consumer Financial Protection Bureau ( CFPB ) policies, specifically related to escrow account management and mortgage payment notifications. 
Issues : 1. Failure to Provide Required Escrow Analysis : Essex Mortgagehas failed to provide me with an annual escrow account statement that includes the required escrow analysis as mandated by 12 CFR 1024.17. This statement is critical to ensuring that the amounts collected and disbursed from my escrow account are accurate and compliant with federal regulations. 
2. Failure to Pay Property Taxes : Despite receiving the necessary tax statement from the County Tax Office, Essex Mortgagefailed to pay my property taxes from the funds held in my escrow account. This has resulted in penalties and late fees being assessed against me, which are solely due to the companys negligence. 
3. Lack of Communication and Escrow Statements : There has been a significant lack of communication from Essex Mortgage regarding my escrow account. I have not received the periodic escrow statements or any responses to my inquiries about the status of my escrow account and property tax payments. This lack of transparency is deeply concerning and has caused undue stress and financial strain. 
4. Unexplained Increase in Mortgage Payments Without Proper Notice : My mortgage payments have been consistently increased without any prior notice or explanation from Essex Mortgage. This is in direct violation of CFPB regulations, which require mortgage servicer to provide clear and timely notice of any changes to the payment amount, particularly when those changes are due to adjustments in escrow account calculations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed FRAUDULENT accounts on my credit report in XXXX of XXXX and have disputed these accounts several times since then with no results. This has held me back from getting a vehicle under favorable terms, an apartment in my name, and countless other missed opportunities. I need these fraudulent accounts removed from my credit profile/consumer report as soon as possible. 

I've attached my most recent dispute letter, a copy of my Equifax credit report and a copy of my Identity Theft Report.
Product: Credit card

My name is XXXX XXXX XXXX. My card ends in XXXX. 
It was made clear to me I qualified for the XXXX dollar spending bonus after spending XXXX. I paid off all XXXX XXXX today and got no bonus. I called a supervisor and was gaslighted and told I never qualified for it and I should have read it carefully and I got a counter offer. I read up online and found out that HAHA YOU DO THIS ALL THE TIME TO XXXX XXXX XXXX XXXX, ALL OVER XXXX AND XXXX PEOPLE TALK ABOUT IT. And they told me to file a complaint. So here I am. I implore people to look it up. Its so so so common. I recently moved out and I was so exited for this extra money to finally eat so real food, but no, stuck with college food for even longer. Thank you
Product: Debt collection

XX/XX/XXXX I submitted an inquiry for debt validation of an account I did not recognize as valid on my credit reports. I received a letter post marked XX/XX/XXXX with copies of paperwork I do not recognize and a signature that is not my own. Within this documentation is no legal binding proof of identity which was explicitly requested. Furthermore the documentation provided references XXXX and not NCB Management Inc, in which I do not owe and have never owed. NCB continues to report and attempt to collect a debt that is not owed to them or by me at all. I've since disputed this reporting with XXXX, XXXX, and XXXX to no avail. This negative inaccurate reporting is hurting my credit worthiness and affecting my life. 

I am asking for a correct review of this file and that correct information and proof be provided and or reported which is my right as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a customer of PayPal for over two decades.

I had alwasy used my own credit cards. 

I was recently offered a PayPal credit card which turned out to be offered from Synchrony Bank. The offer claimed there would NOT be a HARD ENQUIRY. 

Because of this, I accepted the offer and received a Card.

However, I found out later that my credit file showed this as a HARD ENQUIRY, thereby adversely affecting my credit score.
Product: Mortgage

On XX/XX/2019, I purchased a vacant home insurance policy from XXXX. I paid the first premium of {$560.00}. The vacant home insurance was necessary as my existing policy was due to expire XX/XX/2019 and the sale of the home was not closing until after that date ( between the XXXX and XXXX of XXXX ). Unbeknownst to me, unrequested by me, and undesired by me, XXXX/Loancare on XX/XX/2019 inexplicably sent a payment of {$2600.00} constituting the entire year 's worth of premium to XXXX. This overdrew my escrow account by a significant amount. I found out about it on XX/XX/XXXX. I assumed XXXX had made the withdrawal. I contacted them XX/XX/2019 and they assured me they had not requested that payment and that they would return it and it should be redeposited in my account. As it is impossible to reach anyone at XXXX by phone, I sent two emails to them asking about the payment. I never received any response from them. It is now XX/XX/XXXX. My loan is due to close TOMORROW and XXXX is still showing an overdrawn escrow balance and is asking me to pay it off and then increase my mortgage payment going forward. It should not take an entire month to correct this problem. Also, the Loancare/XXXX  website looks like it was built by a 3rd grader learning to code. I can't wait to pay off this loan and I hope to never have to do business with these morons again.
Product: Debt collection

I have been contacted -- called directly, my sister has been called, and I have been getting physical mail -- by XXXX XXXX XXXX. 

Address : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX CO, XXXX They state that I owe {$8400.00} from PayPal debt. I have contact PayPal directly and have confirmed that I owe no such debt, and they have advised me not to give any information to this collections company as it is likely a scam. I couldn't get the company I " owed '' the debt to over the phone from XXXX XXXX unless I gave them my information, but that is what is listed on the letters I am being sent. 

The main person calling is XXXX XXXX at XXXX XXXX XXXX ( XXXX but the number has been changing since I continue to block their calls, previous numbers are : ( XXXX ) XXXX, ( XXXX ) XXXX ) and she refuses to release any information to me about this debt unless I give her my Full name, date of birth, and last four of social security number. When I refuse I am sent to a " manager '' who yells that they already have all my information and need to verify that it is me, asking me to comply and give them the information they need. At one point they said in order to verify they needed to call me back to " set up a secure line. '' At this point I hung up and have been blocking their calls but they are rather relentless, and it is now harassment. They have called my sister asking for this information as well -- I am unsure how they got this information. 

The first call was on XX/XX/2021 and have been consistent since then to present. 

Recently I have now been getting letters from XXXX XXXX XXXX XXXX XXXX regarding this debt as well.
Product: Vehicle loan or lease

I have been trying to get the title to my semi-truck since XXXX of 2022 from the lein-holder they have given me the run around which has cost me I. Storage of the vehicle and also several potential customers. I have been unable to sell the vehicle due to the neglect of the lein-holder. I paid off the vehicle and simply want my title. Well Fargo based on what was mentioned to me commercial department was sold to some other company they can't even pull the account by the loan number. This doesn't make sense. I have been disregarded with out concern of the financial damage to me.I would never recommend Wells Fargo to anyone with the continued bad press they have received in the press you would think they would try to have better customer service.
Product: Debt collection

this is my case # for a previous claim that the cfpb didnt handled the right way and now im forced to take legal action against the cfpb and vance & huffman for violating my fcra 15 usc 1681 and identity theft because they still havent show my how they verified the account. my information was bought by this debt collector which has no right and without my written consent to collect a debt and have my information and threating me.

7
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Wells Fargo Bank, N.A., and all of its subsidiaries. 
The purpose I am writing this letter to you today respectfully is in regards to inaccurate information being reported to my credit report. On varies occasions Ive disputed these claims to both the credit bureaus and to Wells Fargo Bank, N.A at XXXX XXXX XXXX XXXX XXXX, IA XXXX. 
The credit bureaus response to me is always verified by creditor ( W.F ) and Wells Fargo Bank never response with a letter back. I have personally gone into local Wells Fargos branches who have assisted me in calling Wells Fargo customer service line on two separate occasions. Moreover no credit card account has ever existed or has been verified. 
It is very unclear to me as to why Wells Fargo Bank, N.A of XXXX XXXX XXXX XXXX XXXX, IA XXXX. Is reporting a debt owned of {$1100.00} to my credit report when I have never had a Credit Card or Credit Card at a Retail store associated with Wells Fargo Bank. 

For the record I am aware under the ( FDCPA ) the original creditor ( W.F ) does not have to provide a Debt Validation request. If the original creditor chooses not to. But under the Fair Reporting Act ( FCRA ) I have the legal right to dispute and receive evidence on what being reported against my credit report from the original creditor. So please mail me any evidence as to why this is being reported to my credit report if any exist.
Product: Credit reporting, credit repair services, or other personal consumer reports

i Have Both medicare and medicaid and was balance billed by doctors office. in Pennsylvania i can not be held responsible or billed or sent to collections for balance billing it is against state and federal insurance law and consumer protection law. i was sent to collection company XXXX XXXX XXXX XXXX XXXX XXXX please investigate not only with debt company but also XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I am stressed and displeased that I see so many fraudulent accounts on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. I have tried several times to get these accounts removed. Let alone, my information was in an Experian & XXXX breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected. This is a defamation to my character, and this is a federal law violation. According to, XXXX5 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. This is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now. Also, it is illegal these companies should NOT be furnisher people 's information to 3rd party companies, so this is illegal, neglect and fraud. I have already reported this to the local police department and Federal Trade Commission. These companies and the credit bureaus can get sued for these damages. This is negatively affecting my livelihood and putting me in a bad space. I feel your database is inaccurate and I am filing ligation against this if these items aren't removed immediately.
Product: Debt collection

This company has harassed me for two years once even having papers served on my at my residence in front of company. I had responded to court proceedings at my county circuit court. Had contacted the company to resolve but they only gave two options for payment. Have notified all that I am XXXX on XXXX no other means. They continually threaten with court action by letter and sometimes via phone. Have told them to stop. XXXX XXXX  XXXX XXXX  for Portfolio Recovery Associates.LLC
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : Account Name : XXXX  XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information 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 any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

EVERYTIME I WOKE UP IN THE MORNING, THESE FRAUDULENT ACCOUNTS ARE STILL IN MY ACCOUNTS AND REPORT. 
THESE ARE FALSE AND SHOULD BE IMMEDIATELY REMOVED.
Product: Debt or credit management

I am writing to formally address a concern regarding services I contracted from XXXX XXXX XXXX, a credit repair company I engaged to assist with improving my credit report. Unfortunately, I have found that the services promised were either not provided or were grossly inadequate, despite my payment for their assistance. 

I trusted XXXX XXXX XXXX to take specific actions to address issues on my credit report, but I have not seen any meaningful progress or results that justify the fees I was charged. Furthermore, their customer service team 's attempts to seek clarity or resolution have not resolved the matter. 

Given this situation, I request your assistance in removing any disputes or actions initiated by XXXX XXXX XXXX from my credit report, as I no longer wish for their involvement. Additionally, I would appreciate guidance on what steps to take to protect my credit further and ensure accurate reporting moving forward.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, Re : Urgent Request for Immediate Removal of Fraudulent Accounts Due to Data Breaches I am writing to dispute the inclusion of certain accounts on my XXXX credit report, which I firmly believe are fraudulent and directly linked to the recent XXXX and Experian XXXX breaches. These breaches have compromised my personal information, resulting in the unauthorized use of my identity. 

The following accounts are fraudulent and must be removed from my credit report immediately : XXXX. [ XXXX XXXX XXXX XXXX ] XXXX. [ XXXX XXXX ] I have never authorized or opened these accounts. I have already filed a police report regarding identity theft ( see attached copy ) and submitted a fraud alert to all major credit bureaus, including XXXX. Additionally, I have included the following supporting documents for your review : Copy of my government-issued ID Proof of address ( utility bill or bank statement ) Police report or FTC identity theft affidavit Any correspondence proving the accounts are fraudulent Your failure to safeguard consumer data has already subjected me to financial harm and unnecessary stress. It is unacceptable for these inaccuracies to persist on my report. As mandated under the Fair Credit Reporting Act ( FCRA ), you are legally obligated to investigate this matter thoroughly and resolve it promptly. 

I demand : XXXX. An immediate removal of the disputed accounts from my XXXX credit report. 
XXXX. A written confirmation that these accounts have been deleted. 
XXXX. Assurance that this dispute will not impact my credit score negatively. 

Please consider this letter my formal notice. Should you fail to resolve this matter promptly, I am prepared to escalate this issue by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and other relevant authorities. 

I expect a written response to this dispute within the ( XXXX ) days.
Product: Checking or savings account

I had a transfer of {$270.00} scheduled to occur nightly from my Square Balance to my checking account. Square has closed my account without warning despite abiding by all of their payment terms. Further, they are refusing to release my funds as agreed upon.
Product: Vehicle loan or lease

On XX/XX/XXXX I went into XXXX XXXX to sign loan paperwork to pay off my Ally lease as the lease was coming to a conclusion and I intended to keep the truck. On XX/XX/XXXX a payment posted to my Ally account for {$25000.00}, which I expect to be payment in full. On around XX/XX/XXXX, I looked at my Ally account and to my surprise it shows a past due balance or {$410.00} and an outstanding balance of {$820.00}. 

I contacted Ally, they told me that I needed to contact the dealer. I contacted the dealer and they told me the {$25000.00} was payment in full. 

I'm concerned that if this is not resolved before the end of XXXX that Ally will post a late payment on my credit report. I'm also concerned about paying them and then attempting to get back the money that they would owe me.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX [ XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/year> XX/XX/XXXXXXXX XXXX XXXX Subject : Dispute of Erroneous Names and Addresses on Consumer Gredit Report Dear Sir/Madam, I am writing to dispute the inaccurate names and addresses appearing on my credit report issued by your agency. 
This letter is a formal dispute and request for investigation under the Fair Credit Reporting Act ( FCRA ), 15 USC 1681 et seq. 
The FCRA mandates credit reporting agencies to maintain accurate information in consumer reports. The following provisions support my dispute : 15 USC 1681e ( b ) - Accuracy of Information : This requires credit reporting agencies to ensure maximum accuracy in consumer reports. The inaccurate names and addresses negatively impact the accuracy of my credit report. 
15 USC 16811 - Duty to Investigate : This provision obligates credit reporting agencies to conduct a reasonable investigation when a consumer disputes the accuracy of their credit report.I request a thorough investigation into these inaccuracies. 
15 USC 1681c - Disclosure of Consumer Reports : This stipulates that consumer reports should only include relevant and creditworthiness-related information. The inaccurate names and addresses do not contribute to an accurate representation of my creditworthiness and should be removed.

I kindly request that you investigate the accuracy of the names and addresses associated with my credit report, remove the inaccurate accounts, and provide me with a free copy of my updated credit report. 
Failure to address this dispute may result in legal action as permitted by the FCRA. Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX XXXX