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

I am disputing the negative items in my credit profile. I dispute these claims and demand that any information be removed from reports immediately if it is inaccurate or misleading, as this will only harm me further! Upon review of my report, I noticed that several deviations from mandatory standards were present which will most likely affect the validity and accuracy of data in this document. These claims that the information in my report is negative, untrue or incorrect are unsubstantiated. To date I have not received any physical proof to back up these statements and eagerly await a reply from you.Document that you have complied with the reporting requirements, and report without any deviations. Please note that if you have not complied with the requirements, I will need to remove them from my report. Multiple inconsistencies are on my report and have been highlighted on each account below i also attached letters exercising my rights and proof. 

accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Debt collection

Hey XXXX ; EOS CCA : Happy XXXX XXXX I'm demanding a true validation on this alleged account. Im confused and stressed and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
Product: Credit reporting or other personal consumer reports

15 U.S.C. Sec. 1681i ( 5 ) ( 5 ) TREATMENT OF INACCURATE OR UNVERIFIABLE INFORMATION ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a Consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. You have not showed me verifiable proof with my signature during the investigation and the reinvestigation that these accounts are mine. I Demand to see Verifiable Proof ( An original consumer contract with my signature on it ) you have on file of the accounts listed below. your failure to positively verify these accounts has hurt my ability to obtain credit. under the FCRA Unverified Accounts must be Removed and if you are unable to Provide Me Copy of Verifiable Proof, you must Remove the accounts listed below. XXXX I Demand the following accounts to be correctly verified under the FCRA or be removed Immediately. [ 1.Account name : XXXX  Account number : XXXX ] [ 2.Account name : XXXX XXXX  Account number : XXXX ] [ 3.Account name : XXXX XXXX Account number : XXXX ]
Product: Credit reporting or other personal consumer reports

These inquiries aren't related to me, and I don't have any connection with the mentioned creditors.
Product: Mortgage

I was informed of an escrow shortage by Freedom Mortgage of over {$8800.00}. After researching what happened I found that my mortgage company drastically miscalculated my amount and is asking me to come up with the shortage amount. I pay them to manage this for me and they did not. After numerous calls and escalations I was told that Im out of luck even though they acknowledged making the mistake. They also told me it would not impact my credit and I would not be assessed any late charges. Then I was told it will indeed impact my credit if I do but pay by end of day.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. I've talked to the bank & they've agreed to update the accounts. BUT TransUnion has some internal block which they're claiming they can use to not update the accounts because they feel they're above the law. When questioned why they're not accepting the dispute letter they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the dispute letter ( which is a FEDERAL LAW ). So TransUnion feels they're above the letter of the law & will not explain their policy, as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Every ( Bureau ) shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at Bureau is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. 
XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$54000.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$20000.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$13000.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$20000.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$13000.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$13000.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$20000.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$20000.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$20000.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$10000.00}, XXXX XXXX XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$18000.00}, XXXX XXXX XXXX XXXX ******** XXXX Date Opened : XX/XX/XXXX Balance : XXXX
Product: Mortgage

Upon receiving my escrow shortage notice in the mail on XX/XX/22 ( over 2 weeks after they mailed it on XX/XX/22 ) it gave me very little time to react to the shortage amount. Plus upon discovering they also did not fully calculate the upcoming shortage only the previous year shortage. This still raised my mortgage payment nearly $ XXXX. I expected a slight increase if I paid the shortage based on the escrow recalculation, but I didn't expect it to be that much. I started to calculate it myself and discovered they didn't account for the future shortage they knew was going to occur. This bothered me. I'd rather pay for that upfront than over time. My previous mortgage company gave me two options with the escrow shortage. To either pay what was short and accept the new much higher payment or to pay the full shortage and accept the slightly higher monthly payment. To not be given this option is extremely offensive. It makes me feel like they're attempting to take advantage of consumer 's ability to make decisions for themselves. It's our financial responsibilities, not necessarily theirs and it feels like they want people to default on their mortgages so they can force foreclosures. It's a nasty, slimy tactic. 

Also, I paid more than the calculated shortage, but not quite the full amount of the total shortage because it was in between pay periods for me... I was expecting when they recalculated the monthly payment for my payment to drop below just the " calculated shortage amount '' but instead even though I paid more, it only dropped to the amount they had calculated previously regardless of the additional funds sitting in my escrow account. This was the insane part. I scrapped together the additional amount which was a little over {$300.00} to finish out the full future shortage and was told my payment would be recalculated automatically in XXXX hours ... of course it hasn't been done yet after XXXX hours. So I was fed a bunch of lies because their refund process was much more tasking than just paying the additional funds. It felt kind of like blackmail and I got nothing out of it.
Product: Credit card or prepaid card

Over the period of several months I did have financial difficulty in making payments on my Milestone Card but I did attempt to make several payments with an agent. During this time, it appears the agent captured the incorrect routing number or account number when I made the payments which resulted in late fees. I called Milestone on XXXX to make a payment as the account was past due and the agent assured me there would be no negative credit reporting by making the payment that day, which was a lie. I recently became aware there was late payments reported to the credit bureau despite my attempts to make payments on XXXX and prior. In addition, the agent did not capture the correct account information to take the initial payments. This negative credit reporting has caused me to be declined for a mortgage and I lost {$500.00} paying for an appraisal.
Product: Credit reporting, credit repair services, or other personal consumer reports

Over the past several months, I have tried to resolve this issue, but to no avail. These accounts are invalid and unverified. I've attempted to dispute it several times already. 

XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX  Account # XXXX I am requesting your assistance in putting an end to this matter. If you have any questions or need additional information, please contact me at the address listed below.
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed 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
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, Account name : # XXXX, Account name : # XXXX Account name : # XXXX, Account name : # XXXX 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 an 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 card

This letter is to file a complaint with PayPal as well as the Consumer Financial Protection Bureau concerning PayPal 's policy of allocating refunds on purchases to the general balance instead of applying directly to the cancelled charge. 

This has happened to my account twice in the last two months. The first incident was on my statement of XXXX/XXXX/16 for a charge of {$210.00} to XXXX on XXXX/XXXX/16 that was refunded on XXXX/XXXX/16 by XXXX for {$210.00}. In this instance I was charged {$22.00} in interest on an amount that had been refunded. I would like that {$22.00} refunded as a credit on my account. Note that for some reason the charge is shown as {$210.00} on my Statement, but online it is correctly shown as {$210.00} for both the charge and the refund. 

The second incident was on my statement of XXXX/XXXX/16 for a charge of {$230.00} to XXXX on XXXX/XXXX/16 that was immediately refunded that same day by XXXX for {$230.00}. In this instance I was charged {$26.00} in interest on an amount that had been refunded. I would like that {$26.00} refunded as a credit on my account. 

Please note that I 've already scheduled a payment of {$620.00} for XXXX/XXXX/16 which will alleviate any interest charges as noted on my Statement of XXXX/XXXX/16. Of that amount paid, {$340.00} was a charge from XXXX from a charge on XXXX/XXXX/16 which was refunded three days later on XXXX/XXXX/16 in XXXX amounts of {$110.00} for a total of {$340.00}. The application of a refund amount to the overall balance is confusing to the client and I believe to be a dishonest and unlawful practice. I believe that when a refund is made on a specific order or payment that it should be credited to that order or payment. What PayPal is doing is deceitful and that is why I have sent a copy of this letter along with the statements and listing of charges to the Consumer Financial Protection Bureau as a formal complaint against PayPal. 

I hereby request that you refund a total of {$49.00} in alleged interest charges and case and desist this despicable practice of charging interest on refunded amounts.
Product: Credit reporting or other personal consumer reports

I applied for an apartment with XXXX XXXX XXXX XXXX XXXX XXXX uses First Advantage for their background checks. I was told it would take no more than XXXX hours. I submitted my application on XX/XX/year>. It is XX/XX/XXXX as I am writing. The XXXX appears to be doing all they can do. The XXXX reached out on my behalf twice, the last time being XX/XX/XXXX and were told by First Advantage the application would be processed by the XXXX. On the XXXX I reached out to First Advantage again by call and email. The did not respond to my email which requested an update and reasoning for this delay. Over the phone on the XXXX I was told the application would be processed by the XXXX. It is now the XXXX and I can not get ahold of someone on their phone or a response with their chat team regarding this issue. This marks the second instance where First Advantage stated turnaround times have not been met, resulting in misinformation about the status of my application.This repeated misrepresentation may be in violation of the Fair Credit Reporting Act ( FCRA ), which mandates accuracy, transparency, and timeliness in reporting processes. The delay is not only impacting my ability to move forward with my housing application but also causing undue stress and inconvenience.
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 ( File No. 2025-CFPB-002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with the federal law and provides consumers with the necessary proof of investigation. Below are the inaccuracies I would like removed from my credit reports. 

Collection Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

The company called my phone multiple times within a short amount of time. They only left a voicemail on the first call. I have asked them repeatedly to email me during business hours because I 'm not allowed to make personal calls at work. I had already informed them that I would be making a payment today. This is not the first time this has happened either. The company is One Main Financial.
Product: Student loan

Within one months time trying to get a loan consolidation with income driven payments, I will receive several different emails about repayment. I general end up calling them to understand the information that was received that doesn't match what I was told. Most of the time, the representative doesn't help resolve the repayment issue I have been having. After years of calling, I finally talked with a Mrs/Miss XXXX that was very helpful. After which my communications with the providers are very confusing. First week of the month I get an email stating that I owe XXXX dollars for example XX/XX/XXXX, two weeks I have a full payment due which my XXXX email stated that my payment would be in XXXX by email. A few days later my email tells me that my full payment is past due. Every month it is different and I have to call to understand what is going on but they are usually not helpful to understand what is going on with my payments. Their miscommunication has caused my credit score to drop quickly. I have been attempting to do what I can but that is humanly impossible with all the miscommunication I receive weekly. This is their norm but I am very tired of it. First off, if I am having issues making my payments how can I make a payment is less than two weeks when I thought I had at least a month to become stable again. 

XX/XX/XXXX email XXXX due until XX/XX/XXXX XX/XX/XXXX email full payment due XX/XX/XXXX
Product: Debt collection

on XX/XX/XXXX I got a phone call from XXXX XXXX XXXX XXXX explaining I had a debt. with them since XXXX. I live in Texas and the statue is 4 years. I explain that they never reached out to me and this was the first time I was hearing from them. I tried to get the mailing address from the fist agent I spoke to ( XXXX XXXX in order to send a request for verification but the agent refused to give it to me. 

If I am not mistaken the law requires them to send verification documents within a week. They failed to do this. I never got anything from them. I also believe they have been calling me at work which is embarrassing and upsetting to say the least. Since they failed to send me the information they can no longer harass me. 

pleas assist me.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2020 I was furloughed from my job that I held for XXXX years at XXXX XXXX. Through NONE of my own decisions, choice or actions did I want to lose my job. The government shut us down because of Covid. I was in no way shape or form prepared for what that entailed for the next couple of years. Prior to the pandemic, I had a 100 % payment history, not one single collection or negative mark whatsoever on my credit report, check and see for yourself. I didnt ask to be furloughed, I didnt ask for not a single bit of that traumatizing and life altering event in my life. Now the end result of not being able to pay my bills, about 15 negative collections on my credit report, I lost my vehicle to repossession when it was so close to being paid off, XXXX cant even get a loan or a bank account at this time. Im nothing but a huge risk to everyone. Why? Because I lost my job due to a global pandemic that I had no control over?! Thats insane. I absolutely feel like people who were in the same boat as me should be given leniency and these negative things be taken off of our credit reports immediately. This is not fair at all. Covid has literally ruined my credit that I worked so hard for and now Im being punished extremely wrongfully due to something out of my control, a world wide disaster. I am a Government employee now, Department of Treasury, and I can not even open up a checking account at XXXX XXXX XXXX due to this. I feel like this is such a huge issue for some of us and I will not stop fighting until we get the relief we well deserve. Please, mentally and emotionally and physically, Covid has reeked enough havoc in our lives, now we have to live with this affect as well!? Im genuinely a good person and I would appreciate it so much if we could do something, anything, to help us people who are still being punished by that nightmare. Please take what I have said into consideration and I pray that you can put something into place to help us go back to a semi normal life again. Its been enough for way too long already as it is. Thank you for your time and understanding. Looking forward to hearing back from someone soon. Thanks again.
Product: Debt collection

On XX/XX/2020 I noticed a collections agency on my credit reports, which caused my credit rating to be seriously affected in a very negative way. I called the company and informed them I had no business with them and requested they send me some proof, we have business together. I also asked for them to provide a legal contract, we have with each other signed by the both of us. I was informed they purchased some sort of debt totaling over 6,000 dollars. I explained I didn't know what they were talking about and demanded they contact the credit bureaus and remove this item ASAP! I'm prepared to fight this to the end and have know problem filing suit against this fraudulent company.