23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

In or aroundXX/XX/XXXX I purchased a car and financed it through Security National Automotive Acceptance Company ( XXXX ) .. I made approximately 5-6 payments and realized I could not afford the car anymore. At some point the car was repossessed. In or around XX/XX/XXXX XXXX began to call my cell phone regarding the payments. Eventually the calls became threatening, persuasive and all but bullying me to give them money. The calls were as much as several times a week during the first 2 months. A few things they were saying to me were, amounts I need to and GOING to pay, we will put an arrest warrant out for you, and we are the only people that can help you. These calls lasted for over 10 minutes and the representatives constantly said the same things over and over until I would ask to speak to someone else and at that point I would be on the telephone waiting for long periods of time and at some point I would just hang up. The calls would then persist from different representatives. Approximately 1 week ago, I received a copy of my credit reports and noticed a balanced owed to XXXX in the amount of {$10000.00}. I called them to inquire, I was told the car was sold at an auction for approximately {$1300.00} and the current balance owed to date is {$10000.00}! I actually had to have someone else speak to them on my behalf because of what i had endured previously. Soon thereafter, I mailed them a letter ( attached ) requesting any and all documentation regarding my account as well as demanding them to cease contacting me via my cellular telephone. I have also received texted messages from XXXX and surprisingly, as of XX/XX/XXXX sure enough, I received another text message ( attached ) from XXXX!
Product: Mortgage

The following is a chronological order of my account 1. XXXX Mortgage was serviced by XXXX. 
2. In XXXX of XXXX an escrow was originated for property taxes only, insurance paid through our condo master policy. 
3. XX/XX/XXXX property taxes paid of XXXX leaving a negative {$230.00}. 
4. XXXX and XXXX escrow payments cleared up negative leaving an actual balance of XXXX going into new year. 
5. XX/XX/XXXX loan transferred to XXXX XXXX. All year XXXX {$230.00} per month contributed to escrow for taxes. 
6. XX/XX/XXXX A FINAL ESCROW ACCOUNT DISCLOSURE STATEMENT SENT TO ME FROM XXXX SUPPORTING THE LAST 4 MONTHS OF THE LOAN ESCROW. 
( ATTACHED ) 7. Monthly escrow payments all year XXXX to XX/XX/XXXX x {$230.00} / {$2700.00} 8. Then after XXXX paid the XXXX taxes of {$2600.00}, they claimed a deficiency of {$2000.00}. 
9. I have been disputing this calculation beginning XX/XX/XXXX. 
10. XX/XX/XXXX, the loan was transferred to Rushmore Loan Management WITHOUT clearing up the dispute. 
11. I had to start all over again with Rushmore and to date my exact dispute questions have not been addressed and after months of letters and phone calls I can not get a simple explanation as to why there is a deficiency. 
12. In XX/XX/XXXX, Rushmore notified me that they were raising my mortgage payment some XXXX monthly. 
13. Now my XXXX taxes are due and there is a large deficiency again, Not sure how much. 
This account has been switched 3 times in 18 months and as of the XX/XX/XXXX I agreed with the final escrow from XXXX. Based on this baseline established, my contributions should have been enough for property taxes, maybe a small adjustment for annual increase but nothing like what I am being told. 
I have attached the final escrow statement from XXXX which was the baseline.
Product: Credit reporting or other personal consumer reports

hello on XX/XX/ I placed a dispute with Experian agency and they did not complete or process my rquest. I signed in online and they have yet to process my request. I know that they have 30 days to process my request and they have yet to complete anything.
Product: Credit reporting or other personal consumer reports

I am Filing a complaint against Equifax for failing to properly investigate my disputes regarding an accuracy in my credit report despite my submissions Equifax consistently responds within 24 hours in the account is accurate without providing any evidence of a throughout thorough investigation. This practice violates the fair credit reporting at 15 U.S.C & 1681i, which mandates a reasonable investigation of disputes, furthermore, Equifax actions may also contravene the financial protection act ( CFPA ), 12 U.S.C 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPBs recent administrative proceeding ( XXXX ) against them for similar violations I request that the CFPB take actions to ensure Equifax complies with federal law and provide consumer with the necessary proof of investigation
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccuracies on my credit report related to identity theft. I submitted my initial dispute on XX/XX/XXXX, along with a Federal Trade Commission ( FTC ) Identity Theft Report and additional documentation supporting my claim. However, your agency has failed to meet its obligations under the Fair Credit Reporting Act ( FCRA ). 

Violations of the FCRA 1.Failure to Conduct a Reasonable Investigation ( 15 U.S.C. 1681i ( a ) ( 1 ) ) Under the FCRA, credit reporting agencies are required to conduct a reasonable investigation upon receiving a dispute. Despite providing a comprehensive FTC Identity Theft Report and detailed supporting evidence, I have not received confirmation of any substantive investigation into the disputed items. 2.Failure to Notify Me of I
nvestigation Results ( 15 U.S.C. 1681i ( a ) ( 6 ) ) The FCRA mandates that consumers be notified of the results of an investigation within 30 days of submitting a dispute. To date, I have not received any such notification, nor have I been informed of the outcome of your review or the process by which my dispute was evaluated.

3.Failure to Block Inaccurate Information Promptly ( 15 U.S.C. 1681c-2 ) The FCRA requires credit reporting agencies to block information resulting from identity theft upon receipt of appropriate documentation, such as an FTC Identity Theft Report. This has not occurred in my case. 

Precedent Cases Supporting My Position Your failure to comply with FCRA requirements is not only a violation of my rights but also exposes your agency to liability, as demonstrated in precedent cases : XXXX XXXX TransUnion XXXX ( XXXX ) : This case emphasized that credit reporting agencies have a duty to conduct reasonable investigations beyond relying on the data provided by furnishers. 

XXXX v. TransUnion LLC ( XXXX ) : The Supreme Court upheld consumer rights in disputes related to credit reporting inaccuracies, reinforcing the accountability of credit bureaus under the FCRA.

Requested Resolution To resolve this matter, I demand the following actions : 1.Conduct a reasonable and thorough reinvestigation of the disputed accounts and transactions associated with my identity theft.

2.Provide a detailed written summary of your investigation, including the steps taken and evidence reviewed.

3.Immediately block or remove all inaccurate information resulting from the identity theft. 

If this matter is not resolved promptly, I will have no choice but to escalate my complaint by filing with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and potentially pursuing legal remedies. 
XXXXXXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

The following inquiries are fraudulent on my 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the accuracy of information on my credit report, specifically regarding the reporting of late open accounts. I have carefully reviewed my credit report from your agency and have identified discrepancies that I believe require immediate attention and correction. I have outlined the details of the disputed information along with an explanation of the inaccuracies : the late payment reported on the above-mentioned account is incorrect. I have diligently made all payments on time as per the terms and conditions of the agreement with the creditor. I kindly request that you investigate this matter promptly and correct the inaccuracies on my credit report as required by the Fair Credit Reporting Act.written confirmation of the correction once the investigation is complete. I understand that, according to the Fair Credit Reporting Act, you are required to investigate this dispute within 30 days and inform me of the results. I expect your prompt attention to this matter and a swift resolution : XXXX XXXX Balance : {$18000.00} ; XXXX XXXXXXXX : {$2800.00}.
Product: Checking or savings account

PayPal won't let me withdraw or send money and I contacted them and they said they override the problem and it still won't work and they keep telling me I just have to wait and see if it will let me
Product: Mortgage

I was on actived COVID 19 forebearance for XXXX XXXX  XXXX. Shellpoint Mortgage has been charging me XXXX  per month for last 6 months for property inspection fee. 

Under covid 19 forebearnce, there are not supposed to be any fees assessed to my loan which they continue to do. After I came off this COVID 19 plan, and am trying to catch up on payments I am still being assessed XXXX  per month propety inspection fee. 

Please help me.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX  Credit Bureau Name U.S. DEPARTMENT OF EDUCATION [ XXXX XXXX XXXX ] [ XXXX XXXX, NY, XXXX ] Subject : Dispute of Unauthorized Furnishing and Obtaining of Information under 15 U.S.C. 1681 Dear Sir/Madam, I am writing to formally dispute the furnishing and/or obtaining of my personal information as reported by your bureau, which I believe occurred without my written consent, in violation of the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681.

To the best of my knowledge, I never provided written authorization to any party to either request or report my personal information to your bureau. As you are aware, the FCRA requires that consumer information is only shared with the written consent of the consumer, or in the event of certain permissible uses outlined in the statute.

Specifically, 15 U.S.C. 1681 ( b ) states that " a consumer reporting agency may issue a consumer report only if the agency has a permissible purpose under section 1681b of this title. '' Furthermore, I have not given consent, nor do I have knowledge of any circumstances in which my information was shared under these permitted conditions.

In light of this, I respectfully request that you investigate this matter thoroughly and remove any and all references to this unauthorized activity from my credit report. Please provide me with the details of any parties that have accessed my information without my consent, and ensure that any erroneous or unauthorized data is corrected or removed from my credit file in accordance with the law.

Please provide written confirmation of the results of your investigation and any actions taken to resolve this dispute.

Thank you for your prompt attention to this matter. 

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

I recently checked my credit reports and am disputing a late payment entry that has been reported by XXXX by error. Pursuant to the provisions of the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), the Fair Credit Billing Act ( 15 U.S.C. 1666 ), and the Fair Credit and Charge Card Disclosure Act ( 15 U.S.C. 1666b ), I request a thorough investigation into this matter to ensure the accuracy and fairness of my credit report. 

I sent on XX/XX/year> a certified mail to XXXX  and the credit bureaus ( see attached ) to dispute the error in the reporting of this late payment as it is negatively affecting my creditworthiness. I have attached relevant supporting documentation, including [ copies of check from XXXXXXXX XXXX evidence of first check mailed ] to substantiate my claim and my good faith.
Product: Credit card or prepaid card

I monitor my credit closely and noticed a hard inquiry on my report from TD Retail Services. I contacted XXXX immediately and was told to contact the company that issued the credit card. I contacted TD Bank immediately to let them know I did not open the account. Then I contacted XXXX again on XX/XX/2023 Report # XXXX to let them know I spoke with the issuing company and they promptly removed the hard inquiry from my credit report. I was told by a representative at TD Bank that the name and social security number did not match my home address listed on the application- and the credit card company issued the card anyway. Now there is {$3600.00} in charges that are appearing on my credit report. Fast forward and I receive a letter dated XX/XX/2023 stating I have 14 days to dispute the charges/card- I receive the letter on the XX/XX/XXXX -the XXXX day and when I try to contact the phone number on the letter, it rings and rings and says the voicemail box has not been set up - XXXX XXXX XXXX XXXX I reported the fraud to the 3 credit reporting agencies and am now reporting it to you too. The company is TD Bank Case number XXXX - they are responsible for this mess and I am not a " victim of identity theft '' I am a victim of a company that did not due their due diligence prior to issuing this card. TD Bank issued a credit card for XXXX XXXX XXXX Account ending in XXXX- they are responsible for this fraud. My credit was pristine and now they have reported this amount to the credit bureau which is going to tank my credit when I don't pay the bill I am not responsible for. Please help me.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXXt, XXXX XXXX Account # XXXX, XXXX XXXX XXXX  # XXXX, XXXX XXXX  Account # XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and I noticed some hard inquiries that I do not recognize or were made in error. According to 15 USC 1681B a credit inquiry may only be made under certain circumstances and for permissible purposes. Additionally, under 15 USC 1681i, I have the right to dispute inaccurate information on my credit report. The following hard inquiries were not authorized by be and I request that they be removed from my credit report immediately. 
Disputed Inquiries : 1. XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX AUTO - XX/XX/XXXX XXXX. XXXXXXXX XXXX XXXX - XX/XX/XXXX Consumer Financial Protection Bureau ( CFPB ) What Happened? 
I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ).

I have previously submitted a formal complaint to the Federal Trade Commission ( FTC ) concerning unauthorized inquiries on my credit report. The reference number for this complaint is ( FTC Complaint XXXX ) filed on ( FTC Complaint XX/XX/XXXX ). 
After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize : Disputed Inquiries 1. XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX. XXXX XXXX AUTO - XX/XX/XXXX XXXX. XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX Basis for Dispute Section 611 ( 15 U.S.C. 1681i ) states that I have the right to dispute any inaccurate or incomplete information on my credit report. I request that you investigate these unauthorized inquiries and remove them from my credit report. 
Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the inquiries made. After reviewing this information, I firmly believe that the inquiries listed above should not be on my report.

Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. I did not give my consent for these inquiries to be made, and I can not find a permissible purpose under this section that justifies their presence on my report. 
Request XXXX request an immediate investigation into the listed inquiries. If it is determined that these inquiries were made without my authorization or in error, I ask that they be removed from my credit report. I also request that you provide me with an updated copy of my credit report once the necessary corrections have been made. 
Enclosed is a copy of my identification to verify my identity. 
I appreciate your prompt attention to this matter. Please confirm receipt of this letter and keep me informed of the progress of your investigation.
Product: Vehicle loan or lease

On XX/XX/year> to Cease and Desist all forms of communication via phone, text, mail, email, voicemail, and all consumer reporting agencies.
Product: Credit reporting or other personal consumer reports

Hello, I received a copy of my credit report and an writing to dispute the following information that appears on my XXXX report. 
The following inquiries are unauthorized or inaccurate, and I ask that you delete them : Credit card from FEB DESTINY Bank I am a victim of identity theft and Ive never applied or had an account with you guys, I've been in the hospital/recovery home for over an year trying to learn how to walk, and stand, and eat and drink I got into an horrible accident. this isn't me and I would like this removed this is unfair how someone got my information I have add security locks and added a lock on my credit.
Product: Credit card or prepaid card

American Expressed closed all of my card accounts on XX/XX/2019. I had been a loyal American Express customer for over 2.5 years and had a 99 % payment rate for all of my cards. Prior to closing, I held the American Express Platinum Card, the American Express XXXX XXXX Card, the American Express Business Gold card, as well as the XXXX XXXX XXXX Card. However, I had made a large purchase with my cards ( some XXXX for my family ) that American Express deemed suspicious. As a result, American Express put my accounts under financial review. I cooperated with American Express and the IRS and provided them with as much information as I could to help alleviate any confusion over my accounts. I had filled out the form 4506-T, the request for Transcript of Tax Return, along with the cover sheet to American Express. However, I had put the incorrect address on the form as I had moved and thus the request was denied by the IRS. After submitting the form to American Express, I had to conduct XXXX training ( as I am an XXXX XXXX service member ) which put me in a location where I was unable to receive any calls, texts, or emails. American Express tried to contact me but I was unable to be reached, and they closed all of my accounts as a result. Upon returning from training, I contacted American Express and tried to explain the situation to hopefully get my accounts reopened. However, they not only denied my request, they also denied my request to reapply for those same cards. Faced with no other choice, I have resorted to filing this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX, and I am personally submitting this request to resolve the errors on my Credit Reports. In addition to failing to investigate the inaccuracies and unverifiable accounts on my report, they never sent appropriate account validation. They assured me that it had been verified, but they never sent me any form of verification or an original contract containing my signature. They have demonstrated negligence and a refusal to comply with my request. I am certain that they must comply with the Fair Credit Reporting Act law, provide evidence, documents, and provide definitive and accurate responses within the statutory time frame. However, if they fail to do so, they are required to remove the incorrect and unverified content. Their adverse and unacceptable actions have had a devastating effect on my credit scores. Please see below for my specific concerns : XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The information posted on the XXXX and XXXX of XXXX is incorrect I've been outta work for XXXX  months now
Product: Vehicle loan or lease

Hello I have always had trouble making payments on this car as the payment is high and Im single and support myself. But I do my very best. I tried in the past to get the amount lowered and they told me no after I submitted the paperwork two years ago proving I struggled to make the minimum payment. However I work in healthcare now and I had covid and have had horrible health issues since. I have been out of work with fevers and can not return per employee health. My XXXX was denied. I have no money coming in. I called a few times to capital one both XXXX and XXXX. XXXX was on hold over an hour so called twice. I cried on the phone with the representative. They know what a horrible situation I am faced with. I am trying to get ahead of this however they would only offer me partial payments or a payment plan. I made it clear that I have no money coming in. I can not pay them right now. I wanted to do put this months payment at the end of the loan. I am terrified of losing my car because I have to get to doctors appointments for my XXXX or the appeal could be denied. The appeal could take 45 days. I wont be getting paid anytime soon. I made this clear to them and they didnt offer me anything other than payment in the next 10 business days and I made sure to call before I was 30 days late on the loan. I am beyond stressed out and very sick. I am looking for a way to make this car payment more affordable and to get back on track. XXXX affected my health greatly and I just want to get everything back together. Thank you for any help you can bring me.