23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

My VA mortgage loan was transferred to Flagstar Bank/XXXX XXXX  XXXX. Every year, I get a letter from them demanding payment for an escrow shortage. Normally, they do my escrow analysis in XXXX ; and when I have contacted them in the past March was when they told me my analysis is supposed to be done. This year they did it in XXXX, right after the insurance and property tax was payed out. I was left with a balance of {$86.00} in my escrow account. They mailed me a letter stating that I needed to pay {$580.00} or my mortgage payments would increase by {$87.00}. The escrow transaction statement they sent me does not show the extra {$200.00} I paid them last year for the " escrow shortage ''. When I looked at the transaction data, they are stating payouts for my home owners insurance that are more that what XXXX is charging me. All of this looks highly irregular and I feel like I am being taken advantage of. When I contacted the escrow department of Flagstar Bank, the agent kept talking in circles and said the escrow shortage was money that I owed Flagstar bank that they paid out on my behalf. When I questioned them about doing my escrow analysis earlier than XXXX, they said it was, " because of the state you are living in requires it to be done in XXXX   ''. I asked the agent why it was different this year than the previous years, and she lied to me and said they have always done my escrow analysis in XXXX. When I sighted RESPA to the agent and that the balance of {$86.00} was over {$50.00} and they are required to refund the amount, she told me that they are not required to refund any money, when I owe them money. I feel like I am being scammed, and I am tired of my mortgage payment jumping up every year. When I look at the escrow transaction amounts, they don't match the bills I am getting from XXXX. Something doesn't feel right about this, and as a XXXX veteran, I think I should have been provided a better explanation from the escrow agent than, " you owe us money ''.
Product: Debt collection

In XX/XX/year>, XXXX XXXX XXXX emailed me try to collect {$1000.00} for XXXX XXXX. I have been arguing with XXXX XXXX for a long time and asking for itemized receipt for the carpet replacement {$710.00}, apartment cleaning {$290.00} and paiting {$270.00}. However, XXXX XXXX refused to respond and sent this unvalidated debt to debt collector. So I submitted a claim also to attorney general of the state and confirmed it is required by law to provide detailed documentation within 21 days of moving out for any charge more than XXXX  XXXX letter has been shared with the debt collector as well. Still, they ignored my statement and tried to collect the debt that I am not responsible to. 
In addition, I want to mention that XXXX XXXX tried to hide the detail of the charge when providing the new statement to the debt collector ( using confusing name " one time concession '' instead of apartment cleaning and carpet replacement ).
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute certain entries listed in my ChexSystems report under my Social Security number. Upon reviewing my report, I found multiple inquiries and accounts that I do not recognize, and I am unaware of any transactions or obligations with the following institutions : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 I request that you please verify and provide documentation for these inquiries and accounts. If you can not provide evidence supporting these entries, such as a contract or other document bearing my signature, I request that you delete this information from the record maintained by ChexSystems under my Social Security number and issue an updated report. 
In accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., you are required to investigate any disputed information and provide me with the results of that investigation within 30 days. If you fail to comply with this request, I will file complaints with the Federal Trade Commission ( FTC ), the Consumer Financial Protection Bureau ( CFPB ), and the Minnesota Attorney Generals Office. Additionally, as in the case XXXX XXXX XXXX XXXX XXXX, XXXX. XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX ), you may be held liable for willful non-compliance.

If I do not receive documentation substantiating these alleged accounts or transactions, I will pursue legal action and seek {$5000.00} in damages for the following : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Credit Reporting Act I trust this matter will be resolved promptly, and I look forward to your timely response. 
Sincerely, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX
Product: Credit reporting or other personal consumer reports

15 U.S. Code 1679c Experian reporting unauthorized fraudulent inquiry from XXXX XXXX XXXX dated on 12.15.2024 15 U.S. Code 1679c Experian reporting unauthorized fraudulent inquiry from XXXX XXXX dated on 12.15.2024 15 U.S. Code 1679c Experian reporting unauthorized fraudulent inquiry from XXXXXXXX XXXX XXXX dated on. 12.15.2024 15 U.S. Code 1679c Experian reporting unauthorized fraudulent inquiry from XXXX XXXXXXXX XXXX dated on XXXX
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have occurred despite having significant burdens when transactions were authorized I was charged fees due to legged posting other charges and credits this issue applies with the recent CFPB findings against Navy federal for similar practices where transactions settled with insignificant balance despite Initially Available funds I believe these practices are unfair and request an investigation into my account transaction
Product: Debt collection

I have been sued by XXXX XXXX and they received a default judgement against me for a debt I do not owe. They have never answered my questions about who I owe, show me any proof, just kept forging along. They requested a wage garnishment and the judge denied it. Now they sent a sheriffs officer to my Broker, ( realtor ) with a writ of execution to garnish my future commissions {$1700.00} that they say I owe. Are they allowed to do this arbitrarily? I have had so much trouble with this identity theft issue for many years and I am struggling to keep even my mortgage up to date. I just do n't know what to do.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted you regarding consumer adjustment account. I have asked for copies of documents on file and none have been provided, this account is not mine. This company is not licensed to collect debt in Illinois, and still proceeds to be reported. This has been way over 30 days multiple contacts.
Product: Money transfer, virtual currency, or money service

Paypal.com is permanent limited my account for reason that XXXX XXXX XXXX XXXX but when i said to them that is an error. 
And give strong proof in my transaction that XXXX XXXX XXXX XXXX they can not give.. 
And still permanent limited my account i want to restored my account because i have fund to withdraw and i cant withdraw because of they did error.
Product: Checking or savings account

Ive received countless letters in the mail regarding my credit card. Besides the numerous phone calls that Ive been receiving. I have reached out to a third party company who was supposed to reach out to the credit union regarding a payment plan to pay down my credit card balance. I am unemployed 2 months out of the year and the credit union knows this! Yet I receive a letter in the mail shortly after the credit union responded to my complaint that I have 30 days from XX/XX/2017 to close my checking account due to non payment on my credit card. Which is in retaliation to my complaint to the consumer finance company. And XXXX XXXX did NOT respond to my any of my emails except for one email that I had sent to her specifically asking her for a reply. I have sent every piece of paperwork to SECU that they have asked for. I was told if I had submitted all paperwork that was needed then I would be given a small loan added to my car payment every month. Once I had sent all of the information to SECU. I was then told that I couldnt be helped. When I spoke with XXXX XXXX in person I brought a very successful business man along just for support and the way that I was spoken to and treated was unfairly. I will continue to send in complaints until I see that no one else is treated the way that I was treated Im very disgusted. Ps ... I have paperwork to back up everything that I am saying
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I sent a letter regarding inaccurate and unfair items on my report. ACCORDING TO THE FAIR CREDIT REPORTING ACT, SECTION 609 ( A ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Please note that you HAD 30 days to complete your investigation, as per the FAIR CREDIT REPORTING ACT section 623 ( a ) ( 3 ). It has been well over 60 days and still nothing! 
Your FAILURE TO POSITIVELY VERIFY THESE ACCOUNTS has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed. I demand these accounts to be REMOVED before legal action is taken.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax investigated then deleted addresses not belonging to me. They currently have been placed back on my file without notice or reason. Confirmation number for report with investigation results is XXXX. I've attached a photo of results of the investigation confirming deleted information as well as photos of current file showing deleted addresses once again listed on my personal file as of today. The confirmation number for the investigation can be found at the bottom right hand corner of the results page. I am presenting their findings so there should not be a rebuttal from Equifax. 

This is the second time that this website rejects my social so this report confirmation number as well as the photo of the report should suffice with no problem.
Product: Credit card or prepaid card

Capital One Credit Co. had opened an account under my name on XXXX without my authorization. On XX/XX/21 I received my Credit Report from XXXX and I noticed a credit card account was active under my name and SS. I contacted Capital One and after more than 2 hours of waiting on the phone, Mr. XXXX ( ID # XXXX ) tells me that he had no idea how this account was opened. I believe this account was opened fraudulently by the Capital One organization, and they must be held accountable for their fraud action.
Product: Checking or savings account

I received a financial statement in the mail from Citizens One. I do not have an account with citizens one. The financial statement at the top says XXXX XXXX XXXX Purchased at XXXX XXXX. There are two transaction on the statement, on for XXXX and one for XXXX. The last four digits on the account are XXXX. I tried to call citizens one yesterday and they asked for my 16 digit account number. I don't know the 16 digit account number because I never opened the account to begin with.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went through a dispute process with XX/XX/XXXX credit beauru because I filed bankruptcy chapter XXXX back on XX/XX/2014. I consulted with a n attorney that advised i can dispute and have it taken off my credit since it have been 7 years and it is discharged. XX/XX/XXXX denied/refused my request and I am still unclear the reason why. I know people personally did same process and it was removed from their credit reporting. This needs to be looked at again. Thank you. I am not allow to dispute again and ask for more information which is not fair to me or any consumer out there.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I sent a letter about inaccurate and misleading information on my consumer report. To this date it has been 47days and still no response. It has been a tough time for me especially due to covid and with this failure to comply with the law it has had a great impact on me moving forward. I have been reading up on 611 ( A ) of title 15 chapter 41and realized this is a violation of my rights. The information I presented should be deleted immediately or I will file for litigation because of the great amount of stress.
Product: Credit reporting or other personal consumer reports

Transunion has failed to fulfill its legal obligation under the Fair Credit Reporting ACT to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Transunion, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of the dispute outcomes. These failures align with my experience, where Transunion has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Transunion 's inaction violates federal law and my rights as a consumer.
Product: Credit card or prepaid card

I received a usbank reliacard unsolicited through the us mail. They didn't even have my name correct on the card. I do not appreciate the offer and I consider it harassment and I feel that it opens the door to fraud and identity theft. I have no desire to do business with us bank and I want them to cease and desist with this harassment.
Product: Mortgage

I did file a previous complaint against XXXX XXXX XXXX case # XXXX, on XXXX XXXX but there is no answer to that complaint yet, instead they did file a FRIVOLOUS FORECLOSURE at the XXXX XXXX Courthouse against my property, Case # XXXX staying I did not make payments from XXXX to present, which is not true as the bank statements enclosed show, instead XXXX is returning my paymets see proof XXXX supporting foreclosure documentation doesnt support the claim as is just the initial loan paperwork and loan modification of XXXX annexed to my previous complaint. XXXX foreclosure stays I owe them {$25000.00}, but there are no pending payments and I always pay on time so when I called Bayview Loan Servicing with the help of Credit org ( call ID # XXXX ) I could finally talk to them and ask about the claimed amount of {$25000.00} but no explanation was given and they hang up on me. After that XXXX XXXX from Bayview Loan Servicing called me today to say the foreclosure is because of my lack of payment from XXXX this year to present ; which is not true as it can seen the Bank statements. I never missed a payment. XXXX XXXX said he wanted to see the proof of payment so here enclosed are the Bank statements showing the payments. XXXX XXXX neither explained in what was based the claim of {$25000.00}. Making a frivolous foreclosure claim with no legal ground is a serious issue, a total abuse, and an attempt to damage my interests and my health.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed the XXXX XXXX account XXXX with all 3 Credit Reporting agencies they updated I accurate information noting that the furnished of the information Guaranteed that the information was accurate. The FCRA says that these companies must do an independent investigation not jut take the furnishers word for it .they are willfully violating the FCRA an also my rights they have the proof that this account is not accurate but in fact erroneous an should be deleted according to federal consumer protection laws .this account has been reporting in error since it opened with the creditor breaching the contract with an unscheduled monthly payment before payments were scheduled to begain.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The Fair Credit Reporting Act grants me the right to challenge any inaccuracies in my credit report. It mandates that all information in a consumer 's file must be thoroughly documented and validated before being used by creditors. I take this responsibility seriously, as the allegations of delinquency and derogatory remarks against me are untrue, and I am prepared to vigorously contest them. The accuracy of my credit report is paramount, and the mentioned allegations do not meet federal or state reporting requirements. 

I contest these claims due to their failure to comply with basic reporting standards, which undermines my confidence in the information presented. It is imperative that you adhere to the obligation of maintaining and reporting data with absolute accuracy and compliance. Reporting claims that do not meet regulatory standards is prohibited, and it is essential to ensure that all information is accurately and correctly reported, as mandated by the Fair Credit Reporting Act ( FCRA ) and reporting standards such as METRO 2. 

I request substantiating evidence that justifies the negative status of my accounts. Any inquiry or account in my report must have a permissible purpose, and I expect this to be clearly demonstrated. This letter serves as a formal notice of your failure to fulfill your responsibilities. If this matter is not promptly addressed within the next 30 days from the date of delivery, there may be severe consequences. I trust that you will rectify the inaccuracies without the need for further intervention or escalation. 

Additionally, I request physical proof of your actions and an updated credit report reflecting accurate and verified information. The claims listed in my current report appear to be inaccurate, and I insist on receiving correct and verified information promptly.
Product: Prepaid card

My giftcard valued at {$370.00} was frozen after never being used with the provider American Express ( AMEX ). I called and they issued a case number, I've called several times over the span of a month and they have refused to action anything and kept requesting I call back at a later date to no avail.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 U.S. Code 1681b - Permissible purposes of consumer reports. Inquiries are not attached to an open account. On XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ran my credit without permission. 
On XX/XX/XXXX XXXX XXXX XXXX ran my credit without permission. On XX/XX/XXXX XXXX XXXX ran my credit without permission. I contacted XXXX, XXXX, EQUIFAX to get written validation of the inquiries. No documentation was provided. This has caused emotional distress and pain & suffering.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled up my credit report from all three credit bureaus, Experian, XXXX and XXXX, and noticed there was a listing of Chapter 7 Bankruptcy filing on XXXX 2009 on my report, the furnisher is the U.S. Bankruptcy Court. 

I wrote a letter to the Arizona XXXX XXXX on XXXX XXXX, 2017 requesting they send me the procedure for verifying bankruptcy information with three major credit bureaus, i got a call back from the court stating they DO NOT furnish any information to the credit bureaus. The credit bureaus are providing false information and they are in violation of the Fair Credit Reporting Act. 

I wrote dispute letters on XXXX to XXXX 2017 to Experian, XXXX and XXXX on the bankruptcy and they all responded back by saying the information was verified.
Product: Debt collection

multiple phone call to my prepaid cell phone from way point resource group XXXX no messages hang up phone calls as many as 4 per day no contact by mail or on my home phone number
Product: Credit reporting or other personal consumer reports

I filled a dispute on XXXX, XXXX & XXXX that starts with XXXX due to Federal Law 15 U.S Code 6802, no financial institution can share my non public information with a third party entity. Given the severity of this breach and the resulting compromise, I requested they immediately cancel and discharge this debt as I have no federal obligation to this debt. Experian denied to follow up with the investigation. I recently was notified that CFPB has filed a lawsuit against the company ( Experian ). They alleged the company of accepting unreliable information and failure to notify consumer dispute results. This aligns with my situation! Experian has not attempted to remove, nor correct any information. Given the severity of this breach and the resulting compromise, I request that they immediately cancel and discharge this debt in full as it is affecting my chances of getting a house and car, Experian violates my rights as a consumer, as well as federal laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 

XXXX XXXX Balance Owed : {$2000.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 disputed two items on my credit report and they pretty much told me that the two items I disputed about was mine. I have a twin her name is XXXX XXXX and mine is XXXX XXXX. Our SS # 's are two numbers off, we live at the same house and work for the same company. I am at my wits end with this. We are XXXX different people and they keep saying her XXXX is mine on my credit report. I want it fixed, and at this point I don't know which way to go other than investing money I don't have for an attorney to get this rectified. Please give some incite as to what can be done.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed these fraudulent accounts and inquiries on my credit reports and I've disputed them several times with the companies and XXXX, XXXX and XXXX and they are still stating these are mine without properly verifying. Some of these items are more than 7 years old. Please remove the following fraudulent accounts and inquires immediately, thank you. 

Account Opened Amount XXXX XXXX XXXX XX/XX/XXXX {$2700.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX XX/XX/XXXX {$2900.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$970.00} XXXX XXXX XXXXXXXX XX/XX/XXXX {$360.00} XXXX XXXX XXXX  XX/XX/XXXX {$86.00} Regional Finance XX/XX/XXXX {$190.00} Hard Inquiries XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX