23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I have a mortgage with Franklin American. They raised my mortgage payment XXXX $ a month because they miscalculated my taxes and escrow account after paying on time for a year. They have refused to take partial payments or full payments. 
I have been trying to work with them and pay what is owed and they are being unreasonable. My most recent of many interactions was on the phone with XXXX XXXX ( XXXX ) on XX/XX/XXXX. I was told that the reinstatement amt was XXXX $ and had to arrive by XX/XX/XXXX. A bank check for that amt was sent to XXXX XXXX XXXX. XXXX NJ XXXX ( the address that I was given ) on XX/XX/XXXX. I have received the bank check back and was told the it was not enough money. There is a stamp on the check for XX/XX/XXXX that was not from the bank or me. Now they are telling me that I have to pay their attorneys fees on top of the other fees that I owe which are over 1500 . I now have a mortgage of XXXX $ a month from XXXX $ a month. I am a single mother of XXXX young children. I would have NEVER signed a mortgage for that amount as I can not afford that. I have actually spoken to a few people that have bought houses in XXXX and this has happened to all of them. Every person that I have talked to has had their mortgage go up by at least 400 $ for the same exact reason. Why are Mortgage companies putting people in homes that they can not afford again. Franklin American has refused to work with me every time I have tried. They have not accepted any payment that I have attempted to make. They just want my house back. It is disgusting. I am a XXXX XXXX XXXX XXXX. If I gave patient care the way they run that financial institution patients would XXXX every day. I am responsible for knowing my job and treating people appropriately. They should also be responsible for their mistakes. 

Most of the Communications were by phone as they told me they do not email communication. They did initially tell me that they would email me and that never happened. When I called back to ask the next agent told me they do not do email communication.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX D.W.I. misdemeanor XXXX XXXX XXXX ( not me ) XX/XX/XXXX Littering and open container misdemeanor XXXX XXXX XXXX ( not me ) XX/XX/XXXX D.W.I. XXXX XXXX XXXX ( not me )
Product: Money transfer, virtual currency, or money service

I opened an account with Binance US on XX/XX/2021 in order to invest in crypto currencies ( virtual currencies ). I had assets worth of approximately {$2000.00} and transferred those assets from Binance to Binance US, because the company mentioned that I had to open an account with Binance US. According to the company 's website account verification process generally takes 15 days. It has been almost 2 months, but my account verification still shows as pending. Binance US does not have a phone number. The only way to contact the firm is to fill out a form and submit online. In order to ask the status of my account, I filled out the form online, but I did not receive any response. I tried to contact the firm through XXXX, but again, I never received a response. My assets are worth {$2000.00}, I want to sell those assets since I need that money but the company is holding on to those funds, and do not respond to any of my inquiries. I need the CFPB to help me access my funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

we have contacted us bank concerning this problem. but they keep ignoring my pleas aboute the debit transactions being levied agaisnt me and account we have told them it was not our fault for these " overdraft '' fees we get social security payments?? and can not afford these overdraft fees. thes add up quitk-ly this is the second time this has happened we want all fees returned too my accounts XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX ohio
Product: Debt collection

I rented a vehicle at the XXXX XXXX airport in XX/XX/year> from XXXX XXXX XXXX, using my XXXX XXXX XXXX. I returned the vehicle after 4 days undamaged. Nine months later I get a letter in the mail from " Viking Client Services '' ( with my name spelled professionally like it is on my credit card ) purporting to be a debt collector for the rental car company, saying that I owed {$1400.00} for damages that XXXX had sent to them for collection. 

I called XXXX XXXX XXXX and the car rental company where I had booked the rental car with the XXXX XXXX and they had no record of a damage claim. When I next called the number of Viking Client Services from my work phone number, they did not have my personal email or cell number used to make the reservation, and I did not provide it to then as it seemed fishy that they wouldn't have that information from the rental car company. I have since gotten three voicemails on my rarely used work extension from Viking Client services.

I suspect this is a scam, mining credit card data from the car rental company and phishing for people to send in money for fake debt.
Product: Mortgage

got XXXX loan in XX/XX/XXXX ' with XXXX XXXX MORTGAGE, interest rate 9.87 %, INTEREST ONLY FOR 1st YEAR, {$430.00} monthly. they kept loanXX/XX/XXXX ', XX/XX/XXXX ' they sold loan to SPECIALIZED LOAN SERVICES. get notice for XX/XX/XXXX' payment, payment is {$1100.00}!!!! new interest rate 10.12 %, that's only .25 % increase!!!! i called to ask HOW & WHY the EXTREME INCREASE in payment when rate did not go up even a 1 %!!!!!!! got lots of babbling & that was end of phone call!!!!! i tried again, no result!!!!!!!! i called my mortgage agent & he was shocked & advised i file with you so i can get an answer as i feel this is XXXX!!!!!!!!! 

THANK YOU
Product: Credit reporting or other personal consumer reports

I am formally disputing and requesting the correction of inaccurate data on my credit report regarding late payments. It is crucial that these accounts are corrected to accurately reflect the payments and that any erroneous information is rectified promptly. 

Regarding the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

In cases where delinquency is reported, I insist that the payment date be appropriately reflected to cover the delinquent period. Any reported late payments was rectified by making a payment within a reasonable time-frame. Therefore, I expect the credit report to accurately represent the payments made, without any indication of missed or late payments. 

I have diligently met my financial obligations, and it is essential that my credit report reflects this accurately. The inaccurate reporting of late payments is not only misleading but also damaging to my creditworthiness.
Product: Debt collection

This company has called and harassed me for years. They are calling my family members including my XXXX year old grandmother and harassing her and scaring her to death. They are abusive to her on the phone as well as my elderly parents. I want them to stop contacting any family members of mine immediately. I have repeatedly asked them to stop and they continue to do so. My family members have asked them to do so as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

I REACHED OUT TO COMPANY AND RECEIVED NO RESPONSE THEN I CONTACTED CFPB. 

RECENTLY THE COMPANY HAS OPENED AN INVESTIGATION ON XXXX ISSUE OF THIS IMPROPER USE OF MY CREDIT FILE AND NOT ALL ISSUES PERTAINING TO THIS MATTER. 

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 1681XXXX 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 have violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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: Credit reporting or other personal consumer reports

JPMCB CARD Inquired on XX/XX/year> Business Type : Bank Credit Cards XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX This is an inquiry for which I do not authorize the reporting due to its inaccurate representation of my credit profile.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX I recently looked at my credit profile and noticed there were a number of fraudulent and inaccurate charges on my credit profile I did not give consent for therefore these accounts need to be REMOVED!!!! Those accounts and charges consist of the following Acct XXXX : XXXX XXXX XX/XX/XXXX {$250.00} Acct XXXX : XXXX XXXX XX/XX/XXXX {$660.00} Acct XXXX : XXXX XXXX XX/XX/XXXX {$11000.00}
Product: Credit reporting or other personal consumer reports

I've mailed out documents with request of basic dispute along with reinvestigation and for proof of validate of debt. 

XXXX, XXXX and TransUnion are in non - compliance with my request. I have attached the documents that were mail out of from XX/XX/XXXX - XX/XX/XXXX ) XXXX. 
I have also attached proof of identity. Proof of employment and address along with a notarized identification letter. 

I have contact the credit agency regarding the inaccurate and errors that are on my consumer report. From personal information to accounts with medical and closed account who are NOT associated with me. I have also place a fraud alert on my consumer report till these investigations and items are removed.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX XXXX. And I was informed by XXXX and XXXX that my information has been apart of a Data breach. After careful review of my credit report I have noticed several inaccurate reporting accounts. I have attached for your review. Please remove these accounts immediately for it is damaging my financial reputation. Thank you
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 15 U.S Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information Please remove the following items from my credit report immediately
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the validity of the information being reported to my credit by corelogic credco, factor trust and Clarity solutions regarding the above-referenced XXXX XXXX XXXX Account XXXX XXXX account. This account, which was originated with XXXX XXXX and is now being handled by XXXX XXXX, contains significant inaccuracies that violate my rights under both the **Fair Credit Reporting Act ( FCRA ) ** and the **Fair Debt Collection Practices Act ( FDCPA ) **. I do not owe debt to either parties nor do i have a contract that states that. 
XXXX XXXX XXXX  Key Points of Dispute XXXX. **Debt Validation : ** I request immediate validation of this debt, including a complete itemized statement, and a copy of any original signed agreement with XXXX XXXX XXXX 
XXXX. **Proof of Assignment : ** I request proof of the legal assignment or transfer of this debt to XXXX XXXX XXXX along with evidence of Clarity Solutions ' authority to collect on this debt.

3. **Accuracy of Reporting : ** Under **15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ) **, all reported information must be accurate. If XXXX XXXX can not verify the accuracy of the reported debt, it must be deleted from my credit report. 
XXXX. **Licensing and Bonding : ** Please provide proof of XXXX XXXX XXXX current licensing and bonding to collect debts in the state of Tennessee XXXX 
# # # Violations and Consumer Rights I believe that XXXX XXXX has violated the following provisions : - **FDCPA Violations : ** - **Misleading Communications : ** Per **12 CFR 1006.34 ( b ) ( 5 ) **, debt collectors may not communicate in a misleading or deceptive manner.

- **Required Disclosures : ** Under **12 CFR 1006.34 ( c ) ( 4 ) ( i ) **, accurate disclosures must be provided to validate the debt.

- **Ceasing Communication : ** Under **12 CFR 1006.34 ( d ) **, I revoke your right to contact me regarding this debt. Continued communication would be a direct violation of this provision.

- **FCRA Violations : ** - **Maximum Accuracy Requirement : ** Under **15 U.S.C. 1681e ( b ) **, all information furnished to credit reporting agencies must be accurate.

Given these clear discrepancies and violations, I formally request the immediate reinvestigation of this matter. If XXXX XXXX can not validate this debt or provide the requested documentation, I demand the prompt removal of this account from my credit report in compliance with **15 U.S.C. 1681i**.

Please provide a written response to this dispute within **15 days** as required by federal law. I expect that you will confirm the removal of any unverifiable or inaccurate information from my credit report promptly. 
Thank you for your immediate attention to this matter. I look forward to a timely resolution. 
Sincerely, XXXX XXXX XXXX
Product: Debt collection

Every three months XXXX XXXX XXXX sales or sends an account to the credit bureaus negatively reporting accounts that do no belong to me. I have been the victim of ID theft, I am teenager and have never used my credit to obtain anything from XXXX & XXXX This is the 6th time my credit account has been defamed for this collection in the last 24 months.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, XXXX  Account XXXX XXXX has violated my rights. This account is under litigation the balance is incorrect I need it closed and removed from my credit report immediately. 


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 an account without my written instructions 15 U.S.C 1692C A. : Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.
Product: Credit reporting or other personal consumer reports

In Accordance with the Fair Reporting Act. The list below has violated my federally protected consumers rightsto privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 Section 602 A. State I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states 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 in accurate. 

15 USC 1681 C-2 15 USC 1692g 15 USC 1681IS-2 15 USC 1681i 15 USC 1681b - ACCOUNTS TO REMOVE XXXX XXXX XXXX XXXX XXXX BANK XXXX XXXX XXXX XXXX XXXX XXXX INQUIRIES ___________________________ XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX  XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXXXXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XXXX XXXX, XXXX Removal date XX/XX/XXXX XXXX Inquiry date XXXX XXXX, XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX  Inquiry date XXXX XXXX, XXXX Removal date XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

Im in the process of buying a home and I went to get a copy of my credit report and upon receipt of it I noticed discrepancies in my report in which I reached out to the credit bureaus XXXX, Experian, XXXX. I am writing to dispute several negative items on my credit report, which I believe are in violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681 ). These inaccuracies have significantly impacted my credit score and financial standing.

I have carefully reviewed my credit report from XXXX, Experian, XXXX dated [ Date ], and I have identified the following discrepancies : XXXX. [ XXXX XXXX, XXXX XXXX charges and insurance resolved debt back in XXXX informed by creditor. 

XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX The aforementioned inaccuracies violate the provisions outlined in 15 U.S.C. 1681, specifically : - **Accuracy and Fairness ( 15 U.S.C. 1681e ) ** : The negative items inaccurately represent my credit history, leading to an unfair assessment of my creditworthiness. I request a thorough investigation into the accuracy of these items.

- **Access to Information ( 15 U.S.C . 1681g ) ** : I am entitled to accurate information in my credit report. The discrepancies mentioned above have denied me this right, and I request that the inaccuracies be promptly corrected.

- **Dispute Procedure ( 15 U.S.C. 1681i ) ** : I have reached out to XXXX XXXXXXXX, Experian, but to no avail. The agency has failed to conduct a reasonable reinvestigation, as required by law. 

I kindly request a comprehensive review of this matter in accordance with the provisions of the Fair Credit Reporting Act. 

I appreciate your prompt attention to this dispute, and I trust that your intervention will lead to the correction of these inaccuracies. Please keep me informed of the progress and outcome of the investigation. 

Thank you for your assistance in upholding the consumer rights outlined in 15 U.S.C. 1681. 

Sincerely, XXXX XXXX
Product: Checking or savings account

Reference # XXXX Dear Sir or Madam : I did not receive the two mobile phones I ordered on the XXXX store website. This is my police report. I have always trust Chase. I hope Chase can give me a satisfactory answer. Thank you. 
The police station phone number is XXXX Sincerely, XXXX XXXX The next three pages are the police report.
Product: Debt collection

I was made aware of a seemingly erroneous debt that had come up on an apartment screening. When I learned of the debt servicer IQ Data International I attempted to contact them in order to resolve the issue. 

After they almost coerced me into paying a debt they had yet to verify. I asked for debt verification along with the proof of the agreement where this debt originated. Once I asked for this, the tone changed and the person on the other side of the line became very rude. Wouldn't stop talking over me, and eventually responded with " I don't care what you have to say '' essentially no longer listening to me and only wanting me to pay up. I hung up before they could get any nastier. 

As soon as I asked for clarity on the debt they are trying to collect they became unruly and unable to communicate. 

This didn't feel legitimate. This felt like a shakedown from someone who has too much of my personal information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am bringing this to CFPB second time after crossing 30 day deadline by the credit bureau ( TransUnion ). I have complained about wrong Inquiries on my credit report to the company ( TransUnion ) and asked for a verifiable proof of permissible purpose. 
I did not hear back in 30 days and I complained about this issue to CFPB. I was told that TransUnion is still working on my issue. 
I am requesting second time to CFPB to help resolve the issue as this is a clear violation when wrongful hard inquiries are still showing on my report. I am reserving right to file for lawsuit to claim for {$1000.00} per wrong entry on my credit report.
Product: Credit reporting or other personal consumer reports

I am formally disputing the recent update to my credit report on XX/XX/scrub> 2024, regarding the XXXX XXXX account and requesting a re-investigation of all reported details. First, I dispute the balance of {$2300.00}, which exceeds the original credit limit of {$2000.00}. This reporting is both inaccurate and misleading, as it reflects a utilization rate of 117 %, despite the account being charged off. Under FCRA 15 U.S.C. 1681e ( b ), credit reporting agencies must ensure maximum possible accuracy, and this discrepancy should be corrected or removed. Additionally, I challenge XXXX XXXX XXXX status as the creditor. I do not acknowledge this debt, and I request proof of XXXX XXXX legal right to report this debt, specifically a valid contractual agreement containing my full signature that establishes my obligation to repay the debt. Without such documentation, this reporting violates FCRA 15 U.S.C. 1681s-2 ( b ), which mandates that only accurate and verifiable information can be furnished by a creditor. 
Furthermore, I request verification that XXXX XXXX is still the legal owner of the debt. If this debt has been transferred or sold, XXXX XXXX should not be reporting it, in accordance with FCRA 15 U.S.C. 1681s-2 ( b ). I also dispute the current payment status, marked as In Collections/Charge-off with a past due amount of {$2300.00}, since this account was closed and charged off on XX/XX/scrub> 2024. No additional payments should be marked as past due, making this reporting inaccurate under FCRA 15 U.S.C. 1681i. Moreover, the worst payment status is incomplete, violating FCRA 15 U.S.C. 1681c, and should be corrected or removed. Lastly, I dispute the remarks stating " Charged off as bad debt ; Dispute resolved, '' as I do not agree with the resolution of my prior dispute. These remarks are misleading and should be removed, as per FCRA 15 U.S.C. 1681s-2. I request a thorough re-investigation of all the account details, including the balance, creditor status, payment status, and remarks. I ask that all inaccuracies be corrected or removed from my credit report. Please provide written confirmation of the results of your investigation and a valid contractual agreement containing my full signature to substantiate this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

THEY ARE CONTINUING TO REPORT FRAUDULENT INFORMATION INFORMATION EVEN AFTER BEING NOTIFIED.
Product: Credit card or prepaid card

I recently became aware of a billing error on my statement. Pursuant to 15 USC 1666d any credit balance in excess of {$1.00} should be credited or refunded to the consumer. I have identified in a billing statement issued on XX/XX/2023 in the amount of {$14000.00} should be refunded or credited to me the consumer. According to 18 USC 8 all debts public and private is the obligation of the United States.