23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

My mortgage was with XXXX XXXX until they transferred it to M & T Bank in XXXX, NY. 
M & T Bank sent me a letter asking for an increase in the amount of the escrow account of {$280.00} per year. In addition they are increasing the amount of my current mortgage payment of {$1800.00} per month to {$1800.00} per month an additional {$21.00} per month or {$250.00} per year. 

The problem is this : I called M & T bank in XXXX to get an understanding of why if the bank is increasing the amount of my escrow to cover the taxes, insurance, etc., that the M & T Bank has to pay during the year, why isn't the increase included in the escrow shortfall of {$280.00} that I am being asked to pay which I think should include the additional {$21.00} they are increasing my monthly payment from the current amount of {$1800.00} to a new amount of {$1800.00}? 

When I asked the supervisor from M & T Bank, XXXX XXXX, he advised that the increase in my current mortgage payment from {$1800.00} to the new amount of {$1800.00} was due to increases in my taxes and insurance. My question is, isn't the increase in the escrow supposed to cover the increase in all of the items like taxes and insurance that the bank pays monthly? XXXX responded to me by saying the same thing over again and again and failed to connect the increase in the escrow amount with the additional increase in the monthly payment of {$21.00}. It appears to me that the bank has decided to add an additional amount of {$21.00} each month for 12 months for a total of {$250.00} which is in addition to the escrow increase of {$280.00}. 
So I am receiving an actual increase of ( {$280.00} plus {$250.00} which equals {$530.00} ) annually. What is happening here? It looks like the bank has figured out a way to charge all of its customers with an additional charge in additional to the escrow increase. This is an unfair and deceptive practice and XXXX XXXX, the M & T supervisor I spoke to could not explain to me why the monthly amount of the mortgage was increasing after I paid the escrow shortage of {$280.00}. Please contact the M & T Bank and ask them to explain why they are engaging in such unfair and deceptive practices. 

Thanks for your help, XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I had a credit with my ex-husband from XX/XX/XXXX thru XX/XX/XXXX. First National Collection Bureau , Inc. XXXX XXXX XXXX, XXXX NV XXXX is now trying to force me to pay this debt after nine ( 9 ) years. I have asked them to stop contacting me about this debt, which is past the statue of limitation and they refuse.
Product: Debt collection

This a judgment that I didnt even know about until it was on my credit reports. I have disputed the transaction with all XXXX major credit bureaus and the have refused to remove the judgment from credit file. I also wrote the attorney and they never responded to my letter and have not removed the judgment from credit file
Product: Debt collection

Hi I have updated information regarding a formal complaint # XXXX. 
The company was sent a final invoice and affidavit showing their wrongdoing. They stated they obeyed FDCPA and other State Laws. They did not! I'm enforcing my rights to hold them accountable and receive my monetary compensation for each violation that injured, damaged my reputatuion and financial livelihood. 
Once again I'm acting in good faith, striving to keep this mater out of court. Going to court will cost them more in fees and all damages I did not add to the invoice.
Product: Checking or savings account

Today is XXXX XXXX Normally I get paid on Thursdays but here it is Friday afternoon and still no check. My husband and I called all morning trying to reach capital one customer service but they kept dropping my calls and was on hold for an hour before finally getting through to an actual person. I told her about the issues with my check and she said they were having technical difficulties but it would be fixed and that's only explanation I received from both her and her XXXX. I have bills due and people waiting on money I owe
Product: Credit reporting or other personal consumer reports

This afternoon, I was shocked to find that my credit report contains accounts that shouldnt be there, and I have no idea how this happened. I checked my report, expecting everything to be in order, only to see discrepancies that werent there before. I even refreshed the browser hoping it was just a display issue, but nothing changed. Given this situation, Im asking for a detailed review of my documents to resolve this once and for all.
Product: Credit card

Hello, I XXXX XXXX Im writing this appeal letter to appeal, the decision of ownership of this XXXX XXXX XXXX account that was open fraudulently in my name without my knowledge or consent. I have been a victim of identity theft for years, I have taken the action of making a police report with the XXXXXXXX XXXX XXXX. Please overturn your decision, and remove this fraudulent account from all credit bureaus, as I continue to try to put my life back together due to me being a victim of identity theft. Kohls account number XXXX Opened XXXX 2021 amount {$530.00}. The account can be looked up under my XXXX XXXX
Product: Mortgage

I am customer of XXXX, XXXX in XXXX  XXXX. Changed my home insurance in XXXX and I received a XXXX dollar check from old insurance which I immediately sent to XXXX to be applied to my escrow account. Instead it was broken up and applied to hazard insurance. As a result my escrow account was low and my mortgage was raised around 65 dollars. This increase is a financial problem for a low income XXXX senior on social security. First I was told they did not get the check and my bank and I had to prove they received it. I called many times, sat on hold for hours, spoke to XXXX, XXXX, and last week XXXX who hung up on me. I was told by all three and several more that they more doing a TICKET and the money would be put in the proper escrow account. Then I was told on XX/XX/2021 that they never received my XXXX payment even though I emailed them a copy of the check to the address they gave me. Then I was told the check had to be used to pay for XXXX 's payment. Of course I paid XXXX XXXX mortgage payment. This company will ruin my credit rating which is over XXXX as I try to figure out how to eliminate this company from my life. I am never late and I never have a late fee from anyone.
Product: Debt collection

This complaint is based on violations of the FCRA, the FDCPA On XX/XX/2018, I reviewed my credit reports and saw a collection account reported by Resurgent capital claiming they purchased a debt from XXXX  XXXX. I was never aware of this account and had no opportunity to dispute the debt prior to this period. 


___ On XX/XX/2018, I mailed to RESURGENT CAPITAL a demand letter pursuant to XXXX Chapter 93A and a request for validation of debt. I requested all of the required materials under FLORIDA. law 940 CMR 7.08 ( 2 ) and 209 CMR 18.18 ( 3 ). These materials include ( a ) all documents, including electronic records or images, which bear the signature of the debtor and which concern the debt being collected, and ( b ) a complete transaction history which reflects the date and amount of payments, balances, and charges concerning the debt. My letter also included the very same form letter provided on the website of the CFPB for consumers to request validation of an alleged debt. 

XXXX On XX/XX/2018, resurgent CAPITAL received my letter via certified mail. 

___ At no time did they validate the debt by providing the required materials under Massachusetts law, nor did they provide the answers and documents as prescribed by the form letter issued from the website of the CFPB. 

___ I disputed the account thru the credit reporting agencies. My dispute included that ( a ) I had no knowledge of the account and ( b ) that resurgent capital failed to validate the debt as required by [ florida LAW ] and the Consumer Financial Protection Bureau. 

___ Between the dates of XX/XX/2018 XXXX, I received the results of the investigations from the credit reporting agencies, where XXXX had falsely verified the account, despite their failure to validate the debt as required by FLORIDA law and the FDCPA. 

CFPB Complaint Resurgent capital failed to validate the debt as required by state and federal law can only be construed that they do not possess the required materials to support its claims that they are owed this debt, including the accuracy thereof. 

I do not have a signed contract nor any contract with this company. Iam not liable for the collection from this debt from XXXX XXXX XXXX or resurgent capital. Iam not responsible for debt and this debt  needs to be removed from my all credit reports. 

I WANT THIS REMOVED FROM ALL CREDIT REPORTS. 
THIS COMPANY IS REPORTING FALSE INFORMATION
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




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

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

remove fraudulent / unauthorized inquiry from XXXX XXXX on XX/XX/2021 or provide proof in writing within 30 days.
Product: Student loan

I have notified ( XXXX ) at the CFPB that the following is not a duplicate complaint nor should it be accepted as one by the CFPB despite your feeble attempts XXXX out of addressing it. As previously stated, the complaint is as follows : Since you either misunderstood my last complaint ( XXXX ) with the CFPB or are just being blatantly ignorant, I am initiating a new complaint with words that MAYBE you might understand this time. I don't care anymore about XXXX XXXX. XXXX. This has nothing to do with that anymore. The loans were discharged as well they should have been. This is now between you and I. All of the loans through XXXX were fraudulent, invalid, illegally tampered with by both you and XXXX. All of your negative reporting to the credit bureaus has NOT been reversed despite your claims to the contrary. You have failed to follow through with resolving these loans on both a financial and ethical standpoint.
Product: Checking or savings account

I requested a copy of my XXXX statement and was sent the XXXX 2024, statement, Someone did call and the first thing she said in a rude voice you called XXXX, I hung up, she acted as if I had some nerve to contact you. I did receive a XXXX statement document uploaded XX/XX/year>, but not the XXXX statement as requested. I feel now that someone or group not being honest with you or myself.
Product: Debt collection

There's a XXXX Account that I didn't not open or ever have service with and Credence Resource Management has placed a fraudulent and unverifiable debt of {$650.00} on my Credit Report claiming the account was opened XX/XX/2023.
Product: Debt collection

XXXX XXXX XXXX loan. Its identity theft it has XXXX debt two different loans on transunion non on XXXX and one for XXXX on XXXX please ask all to remove its not mines it was open not authorized I didnt sign for anything
Product: Credit reporting or other personal consumer reports

Capital one there was a credit card they say I have that I never signed up for nor have a card on XX/XX/2023 I asked them to remove it and did a dispute with them and they are saying it accurate with that being said I asked them to prove to me that I was the one to open it and they can't I called them three times and got hung up on I would like this off my XXXX and taken care of.. XXXX is a hard it I never did as well as XXXX XXXX
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts though your company claims to have verified these. Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX TransUnion, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

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

Equifax password reset process allows anyone with a ssn to reset that password. Thereby granting access to the account. That needs to be fixed. Too many spills makes everyones ssn available.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX XXXX, Consumer Social Security Number : ( Private SSN ), Consumer Date of Birth : ( Private XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the credit reporting agencies block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX. XXXX XXXX {$200.00} XXXX. XXXX XXXX XXXX Original creditor : XXXX XXXX {$920.00} XXXX. XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX {$710.00} XXXX. XXXX, XXXX Original creditor : XXXX XXXX XXXX {$3700.00} XXXX. XXXX XXXX {$3000.00} XXXX. XXXX XXXX {$300.00} XXXX. XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX  {$710.00} XXXX. XXXX XXXX XXXX {$12000.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Checking or savings account

On XX/XX/year>, Navy Federal Credit Union allowed a credit card transaction to access my account without my permission. A total of {$520.00} was withdrawn from my account without my knowledge. I had previously entered into a debt settlement agreement with an external agency, XXXX XXXX, which contacted the credit card department at Navy Federal Credit Union to negotiate and resolve the matter.
Product: Credit reporting or other personal consumer reports

First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy. Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted this company any permissible purpose. They are in strict violation of this code. I need these account ( s ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 
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

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the XXXX credit bureaus on XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Money transfer, virtual currency, or money service

I am a registered user of coinbase.com When I try to log in I receive a confimarion SMS. 
Around XXXX 2017, I had to change my phone number. 
The SMS verification codes still get sent to my old phone number and I wanted coinbase to change it to my new phone number ever since. 
This process of changing my phone number requires the verifcation of my ID. 

I tried this numerous times and it never worked, mostly because : unknown reason and sometimes because they have me as : forename ; surname and on my documents its surname ; forename ( XXXX have surnames infront, basically x, y doesnt match your name y, x ). 

I tried contacting the customer support at coinbase.com, but they never replied. 
I have funds ( BTC, ETH ) in my account that are important to me and I can not access them and the customer support does n't seem to want to help me in any ways.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus XX/XX/2022 to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX ; XXXX ; XXXX, and I'm including it again : XXXX XXXX XXXX Balance : {$300.00} ; XXXX  XXXX XXXX Balance : {$3300.00} ; XXXX XXXX XXXX XXXX : {$1300.00} ; XXXX XXXX XXXX Balance : {$2000.00} ; XXXX XXXX  XXXX Balance : {$2000.00} ; XXXX XXXX Balance : {$2000.00} ; XXXX XXXX XXXX Balance : {$1700.00} ; XXXX  XXXX Balance : {$9800.00} ; XXXX  XXXX Balance : {$3700.00} ; XXXX XXXX XXXX  XXXX Balance : {$17000.00} ; XXXX  XXXX Balance : {$160.00} ; XXXX  XXXX Balance : {$4800.00} ; XXXX  XXXX Balance : {$9300.00} ; XXXX  XXXX Balance : {$4800.00} ; XXXX  XXXX Balance : {$5500.00} ; XXXX  XXXX Balance : {$4800.00} ; XXXX  XXXX Balance : {$7500.00} ; XXXX  XXXX Balance : {$4800.00} ; XXXX  XXXX Balance : {$7100.00} ; XXXX XXXX XXXX Balance : {$6100.00} ; XXXX XXXX Balance : {$1600.00} ; XXXX  XXXX Balance : {$290.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I know at least one credit reporting service, Equifax has an improper previous address for my personal information.I contacted them maybe a year ago and asked for it to be corrected. It had created a problem at the Social Security log in page.I answered a question correctly but got locked out from site because of the error. The problem is my address box number has always been XXXX but somewhere it was inputted as XXXX which makes it appear that I lived in a previous location.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made three calls to have freeze lifted from my credit report to try and obtain refinancing for my home. The first call was disconnected. The second call because of the wait time I requested a return call. The person who called back to assist me was rude and condescending. I requested a supervisor and that person put me back in the queue. I have now on hold as with the very first call. Therefore I have now been waiting for 30 minutes on a return call to get a freeze lifted.
Product: Bank account or service

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX vs Bank of America XXXX XXXX XXXX XXXX. 
XXXX, Florida XXXX [ XXXX ] Complaint charge description : on the date of XXXX XXXX 2016. I XXXX XXXX, was willfully and intentionally discriminated against, based on the color of my skin. To which, led to the denial of banking services at Bank of America, located at XXXX XXXX XXXX XXXX, XXXX, Florida XXXX. 
I went to the bank to cash a check for XXXX XXXX and XXXX dollars. That was written out as pay to the order of [ CASH ]. I endorsed the back of the check and provided my drivers license number. And put my thumb print on the front of the check. Then handed it to the bank cashier. Whom took a very long time doing XXXX knows what ... on her computer screen. then, she stepped away momentarily to speak with someone. She came back! And stated that.. she will not be able to cash the check. So, I ask ... and why are n't you able to cash the check. 
The Bank claim and her statement was : that the reason for them unable to assist me, was because they were not able to verify the authorizing signing party on the check. Which was XXXX XXXX, XXXX of the account holder name on the account. 

[ XXXX ] Complaint charge description : I left and went to a different branch shortly after leaving there. upon arriving at the Bank of America located at : XXXX XXXX XXXX XXXX, XXXX XXXX, Florida XXXX. I waited in line ... then, I was called to the counter. I was asked the most unusual thing by the clerk, before she would assist me. I was told to remove my sunglasses. And after I did! she then begin to help me. I ask her what was the reason for me removing my sunglasses.. she stated that it the bank policy that sunglasses are not allowed to be worn inside the bank. And I witness their own security guard wearing a hat and sunglasses inside of the bank. I said this is the first I 've heard of this ... furthermore, the cash the check and I left the bank. 

the statement herein give by XXXX XXXX ; is the truth, as it happened on this XXXX day of XXXX 2016.
Product: Credit reporting or other personal consumer reports

I have been a victim of XXXX XXXX in the past and noticed a few accounts listed on my credit report that did not belong to me and were unauthorized. I don't have a contract with XXXX XXXX and did not consent to them having any of my personal information. Not only is this account fraudulent but it is also inaccurate, invalid, and incomplete and an unauthorized. These accounts are ruining my life and my reputation with the banking system. I need these accounts removed immediately. I have been getting denied for a mortgage and I really need this for myself and my family.