23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

My mortgage was recently sold to NewRez LLC, XXXX. XXXX  XXXX, XXXX, SC XXXX, Main Office NMLS ID # XXXX. My monthly payment requirement was {$850.00}. I chose to pay extra on the mortgage, for a total payment of {$860.00}. The extra {$9.00} should have been credited as an extra principal payment. When NewRez started servicing my mortgage in XXXX 2020, instead of crediting the extra {$9.00} as extra principal, they decided steal the money from me by inventing a legal charge that I do not owe. They took the {$9.00} from me for 5 months before I realized the problem. 

I have to think that they are probably stealing from other customers also, hoping that they won't notice, as I didn't.
Product: Credit reporting or other personal consumer reports

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Docket Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX Account Name XXXX XXXX XXXX XXXX XXXXccount Number : XXXX Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX XXXX XXXX XXXX XXXX A states I HAVE A RIGHT TO PRIVACY 15 USC 1681 604 A SECTION 2 also states A CONSUMER REPORT AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS 15 USC 1681 C. ( a ) ( 5 ) states no consumer reporting agency may make any consumer reports containing any of the following items of information, any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven years. 
15 USC 1681s-2 ( a ) ( 1 ) States a person shall not furnish any information relating to any consumer reporting agency if the person has reasonable cause to believe the information may be inaccurate.
Product: Debt collection

I WAS GOING THROUGH A ROUGH SITUATION AND COULDN'T PAY MY CAR AFTER A FEW MONTHS THEY REPOSSESSED MY CAR I NEVER RECEIVED PROPER LETTERS IN REGARDS TO SELL OR ANYTHING UNTIL I CALLED THAT THEY EMAILED ME WAY AFTER ABOUT IT. MY PROBLEM IS I TOOK RESPONSIBILITY AND CALLED THEM TO PAY IT THEY SAID THEY HAD SENT IT TO A COLLECTION ACCOUNT THAT WORKS FOR THEM I CALL THEM THEY DID A SETTLEMENT OFFER AND SENT ME A LETTER I HAVE NOW PAID THE ACCOUNT AND COMPLIED WITH THEIR DEMAND AND NOW THEY HAVE NOT YET DELETED MY ACCOUNT LIKE IT WAS PROMISED ENCLOSED IS THE LETTER RECEIVED.
Product: Credit card or prepaid card

I was offered the promotion that I will get a statement credit of {$40.00}, {$80.00} or {$120.00} on my XXXX XXXX Credit Card ( XXXX ) as a new customer if I were to register my XXXX before XX/XX/2018 ( XXXX XXXX XXXX ) ' which I'd register my XXXX  before the promotional date ( XX/XX/2018 ) and did not received my statement credit ever!!!!.
Product: Credit card

I recently received a debt collection request from XXXX  XXXX XXXX XXXX  XXXX account credit control for {$2400.00}. I did not open this account and i don't live or have ever lived in that address. Please remove from my name, cancel this fraud card and please remove from my credit report and stop the harassments i keep receiving via phone calls and emails. When is this going to stop. i have my personal information blocked with all XXXX  credit agencies why or how does this continue.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX I received a dispute report review that an account that was already paid for was still showing up on my credit report with XXXX. I submitted to XXXX both bank statement and offer letter that to the settlement was paid for. XXXX does not want to remove this off my report Ive made to attempt two attempts with XXXX to remove it. The company WAYPOINT RESOURCE GROUP has not updated the amount, even though I told them about it.
Product: Credit reporting or other personal consumer reports

I am filling a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissioins, Equifax consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. The practice violates the Fair Credit Reporting Act ( FCRA ) 15 U.S.C 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifaxs actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( 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 complies with federal law and provides consumers with the necessary proof of investigation. These are the accounts that I have marked as inaccurate, followed below : 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 card or prepaid card

On XX/XX/2020 I was billed a charge for XXXX XXXX XXXX XXXX  in the amount of {$200.00}. Someone called me under the name of XXXX XXXX to offer a travel package. I immediately found out that they were not Marriott and reported the fraud to Chase bank. Chase bank keeps telling me that the charge was good, but it was not. I have received no goods or services from XXXX XXXX XXXX  XXXX. Chase says that I did, but have not provided me with what goods or services that they believed that I received. I have no detail as to the vendor, what goods or services they are talking about, I have no contact information for the vendor.. I have written many letters to Chase to resolve the dispute. They write back without any information as to the goods and services provided ; without any information about the vendor : They just refuse to honor their policy to remove fraud charges. My advice to other is not to accept any calls from those who identify themselves as Marriott.
Product: Credit reporting 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 : XXXX XXXX  XXXX Account XXXX Account Name : XXXX XXXX XXXX Account NumberXXXX has violated my rights. Or a list of inquiries : XXXX5 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

Dispute the debt associated with and reportedly sold by upgrade to Velocity Investments LLC, with a stated balance of { $ XXXX request validation of this debt under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C . 1692g. Specifically, I am requesting : 1. Proof of Debt Ownership : Documentation proving that Velocity Investments LLC has the legal right to collect this debt. 2. Complete Payment History : A detailed breakdown of the debt, including the original contract, and any fees or interest that have been added. 3. Verification of Accuracy : Proof that the amount claimed is accurate and consistent with what was originally owed. Additionally, under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, I request that this debt be removed from my credit report if it can not be properly validated. The presence of an unverifiable or inaccurately reported debt could be considered a violation of my rights under the FCRA. I am currently experiencing significant financial hardship and am unable to repay this debt. As such, I am also invoking my rights under the FDCPA, specifically 15 U.S.C. 1692c, to request that all communication regarding this debt cease immediately. Continuous attempts to collect this debt only serve to exacerbate my financial situation and could be deemed as harassment. If Velocity Investments LLC is unable to validate this debt in full compliance with federal laws, I respectfully request that this debt be removed from my credit report and that all collection activities cease. Failure to comply with these legal requirements XXXX result in further action on my part, including filing complaints with the appropriate regulatory agencies.
Product: Mortgage

Bank of America foreclosed on my home and sold my home in XXXX 2014 without having my ( PROMISSORY NOTE ) @ the time sale.I later found out that they broke the FEDERAL LAW and I lost every thing.I need LEGAL help with a BREECH of CONTRACT that they did to me.They even took my ESCROW account away from me also.
Product: Debt collection

National credit systems has me down owing a debt, they will not provide me with any information are requesting me to give me ss #, DOB, address. Once I decline they hang up. I obtained the address and my certified letter was returned attempted-not known- unable to forward. Have no clue what this is regarding and refuse to give my information.
Product: Credit card or prepaid card

American Express routinely bombards me with phone calls with offers, such as " free '' hotel stays. They are NEVER free. I told XXXX to stop the calls, and yet they persist. More recently, they called telling me, that because I was a " good customer, '' they were awarding me XXXX bonus points. The call came from a person with a heavy accent. When I asked where she was calling me, the line was disconnected. American Express refuses to stop these calls and refuses to live up to any of its promised promotions. I already have canceled some of my accounts with American Express and in the coming months, will cancel the rest. But I know that means nothing to such a huge company. They need to be made to held to account for such shameful -- and fraudful ( is that a word? ) marketing.
Product: Debt collection

I received an email that a former employee of mine, whose employment ended more than 5 years ago, received a call on her personal cell phone from ARM Solutions, XXXX, advising they were trying to locate me to " collect a personal debt. '' This is wrong on many levels, as you know. 

I tried to call the above number, and had to leave an automated call back number. I emailed ARM Solutions at the " contact us '' email address on ARM 's website.

This is a former employee who often refers my business, and ARM 's blatant privacy violation could cost me business. Please advise.
Product: Credit reporting or other personal consumer reports

United States of America Federal Trade Commission Attn : Division of Enforcement XXXX XXXX XXXX XXXX XXXX XXXXXXXX District of Columbia XXXX XXXX United States of America Consumer Financial Protection Bureau Attn : Division of Enforcement XXXX XXXX XXXX XXXX XXXX XXXXXXXX District of Columbia, USA NOTICE OF DISPUTE AND REQUEST FOR INVESTIGATION OF BILLING ERRORVALIDATION AND VERIFICATION OF ALLEGED DEBT WITH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Dear Sir or Madam, I am writing to formally dispute a billing error and to request debt validation regarding an alleged debt that XXXX XXXX XXXX XXXX XXXX ( formerly known as XXXX XXXX XXXX XXXX ) claims I owe. This dispute is prompted by multiple instances of erroneous credit reporting by the organization, which allege an outstanding debt, as evidenced in my consumer credit file dated XX/XX/XXXX ( XXXX  XXXX ). I request the United States ( federal government ) Federal Trade Commission ( FTC ) and Consumer Financial Protection Bureau ( CFPB ) to conduct a comprehensive investigation into this matter. 

I assert my rights under the Fair Debt Collection Practices Act ( FDCPA ), specifically as outlined in 15 U.S.C. 1692g Sec. 809 ( b ), and sections 807 and 814 ( 15 U.S.C. 1692e, 1692l ), along with the relevant regulations ( 12 C.F.R. 1006.34 ( c ) ( 1 ) ( 2 ) ( 3 ) ( 4 ), 1006.38, 1022.41, 1022.42 ). Additionally, my request is in accordance with the Fair Credit Reporting Act ( FCRA ), particularly under Regulation V ( 12 C.F.R. 1022.21 ( a ) ( 1 ), 1022.24 ( a ), 1022.25 ( a ), 1022.42, 1022.43 ) and 623 ( a ) ( 8 ) ( E ) - ( F ) and 623 ( b ) ( 1 ) ( 15 U.S.C. 1681s-2 ( a ) ( 8 ) ( E ) - ( F ), ( b ) ).

This dispute also invokes my rights under the Electronic Signatures in Global and National Commerce Act, the
Gramm-Leach-Bliley Act concerning the Privacy of Consumer Financial Information , the Bank Secrecy Act, Internal Revenue Service regulations , and the extensive protections provided by the FCRA ( 15 U.S.C. 1681-1681x ). Moreover, it includes my rights under the Consumer Financial Protection Act of 2010 ( CFPA ), specifically 1031 ( a ) and 1036 ( a ) ( 1 ) ( 12 U.S.C. 5531 ( a ), 5536 ( a ) ( 1 ) ), the Truth in Lending Act ( 15 U.S.C. 1601-1665 ), the Fair Credit Billing Act ( FCBA ) ( 5 U.S.C. 1666-1666j ), and the billing error resolution procedures under 12 C.F.R. 1026.13 ( Regulation Z ). 

Given the significant implications for my financial well-being and credit history, I request an immediate and thorough investigation into these allegations. It is crucial to ensure that all collection efforts are valid and that any reporting to credit bureaus accurately reflects the legal and factual circumstances as required by the aforementioned laws and regulations. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX All  Rights Reserved without Prejudice
Product: Credit reporting, credit repair services, or other personal consumer reports

Involved in the Equifax security breach which is a mishandling of data putting myself and hundreds of thousands of others at risk.
Product: Vehicle loan or lease

Late XXXX or early XX/XX/2020, I contacted Wells Fargo Dealership about COVID-19 assistance, if at all, offered by Wells Fargo Dealership. They stated a 90-day deferment but that I have to pay {$27.00} and change by due date each month. I did that starting in XXXX and XXXX. However, I recently received billing somewhat different than what was discussed via the phone. My regular monthly payment : {$350.00}, but the total due is {$270.00}, not the {$28.00} ( interest and late charges ). In addition, I was told that balance of payoff of the XXXX XXXX XXXX must be paid in full by XX/XX/2020! How is this helping me during the COVID-19?
Product: Credit reporting or other personal consumer reports

I DONT RECOGNIZE ANY OF THIS INQUIRIES ON MY CREDIT REPORXXXX 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

I am a natural person, i am a living human being, i have rights under 15 USC 1681. 

XXXX is govern by USC 1681. and they violated my rights numerous times. I demand the accounts listed below be removed because : XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX 

According to 15 usc 1681 : I have rights to privacy and i did not give XXXX written permission to furnish these accounts.
Product: Credit reporting or other personal consumer reports

This is several times I have found inaccurate information on my credit report. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit reporting agencies to review this ITEMS ( A ). Posting as information without confirmation within the time limit set by law is not permitted. I need to investigate, correct, or update the listed incorrect information on my credit report. 
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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

They keep calling me for my ex spouse that I divorce years ago and I even give them his phone number. He live in XXXX I told them several times and they keep calling me. I dont know how to stop this calls. They are calling for XXXX XXXX
Product: Checking or savings account

Well my account was fine in the morning, then I looked again and {$1200.00} was taken out of my checking account due to card claim reversal of credit. Making my account - {$1200.00}.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681 c-2 ) that you, the Equifax 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 XXXX XXXX XXXX XXXX opened XX/XX/year>. I do not recognize the aforementioned collection account as reported. The aforementioned collection account appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. This is the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within 24 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 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding 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 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. 
These are the accounts that I've marked inaccurate : DEPT OF EDUCATION/NELN and US DEPT OF EDXXXX
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my consumer report I was shocked to learn I have been a victim of identity theft I found numerous accounts on my consumer report that wasn't open by me. I'm in the process of buying a house for me and my family and these fraudulent accounts are hurting me please remove this from my consumer report as soon as possible.
Product: Money transfer, virtual currency, or money service

XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX, DE XXXX. 
( XXXX ) XXXX XXXXXX/XX/XXXXMeta XXXX, XXXX XXXX, California, XXXX ( XXXX ) XXXX I've reached out to XXXX for my account being compromised on the date of : XX/XX/2023 for multiple possible purchases made through my accounts, identity being compromised through their helpline # that turned out to be decisive. Fraudulent. My identity was compromised accounts were opened up, and XXXX never has fixed this to this day or compensated me for my credit being ruined and hardship and loss of money and control over my identity being sold out all over the Internet. Possibly thousands of dollars by using my identity to purchase crypto through my XXXX being hacked.
Product: Checking or savings account

On XX/XX/XXXX, I made a deposit into a Bank of America ATM and the ATM had an error mid-deposit, stealing XXXX $ from me. This money was for my rent and credit card payments. I am now facing eviction as well as hundreds of dollars of late fees due to this theft from the ATM. The first supervisor I spoke to said the provisional credit would be in my account the day after the claim was filed and that if it wasnt I would be able to apply for a hardship credit to get that provision into my account. The next supervisor told me that unfortunately I was given misinformation by the first supervisor and that shes so sorry about the misinformation but theres nothing they can do and that it will actually take XXXX weeks to resolve, and now they say they cant give me a credit in the meantime for the money that their machine stole. The address for this bank is XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this complaint because Experian has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 days and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA, they are required to promptly delete all information which can not be verified that I have disputed. Please resolve this manner as soon as possible. Thank you
Product: Credit card or prepaid card

XXXX of XXXX I had a XXXX. Because of that XXXX I had multiple care takers coming in and out of my home to take care of me and help me. They had access to my credit cards, personal information, and mail. In XXXX of XXXX I found out that one of those people used all of my existing credit cards and opened many more without my consent. I contacted all three credit bureaus. I filed reports with the Federal Trade Commission per the advice of the police because they did not take a report because there were so many unknown people who helped with my care and I did not know who did it. I was able to resolve 13 of the fraudulently used or obtained accounts by sending them the federal trade commission report, a copy of my license, a copy of my social security card, a copy of a utility bill, a notarized identity theft affidavit, and letters from other creditors that were effected and resolved. 7 credit card companies continue to refuse to remove the accounts affected by this identity theft although I have contacted them multiple times sense XX/XX/XXXX and sent all the documents listed above multiple times. I contacted the federal trade commission to see what I could do to resolve this and they told me to file complaints with Consumer Finance protection agency to finish getting this identity theft issue resolved to have my credit report updated.