23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

After submitting complaint XXXX Truist raised the escrow from XXXX a month to {$420.00}. This feels like retaliation and harassment. 

This is the insurance they have listed on my account details. 
Policy Number Policy XXXX  ommited Annual Premium {$1300.00} Policy Expiration Date XX/XX/XXXX Due Date XX/XX/XXXX Insurance Company XXXX XXXX They have the property tax listed at {$0.00} My current escrow balance is {$970.00}. 

To this date, they have only paid {$17.00} on my behalf due to an insurer canceling. 
We have our own insurance and pay our own property taxes. 
{$420.00} seems like more than XX/XX/XXXX of their stated escrow shortage. 

We would like to have the escrow waived or at least ceased from this point on. Based on our history they have more than enough cushion with the current escrow balance. An extra {$420.00} is roughly 18 % of our base mortgage payment which seem exorbitant. 

Apologies for the additional complaint, but the company doesn't seem to offer any solutions except raising our monthly payment.
Product: Credit reporting or other personal consumer reports

Neither of the 3CRA 's upheld their obligation to my first complaint, requesting for a four day block and removal due to identity theft as per 15, US 1681C-2 stating that the CRA 's have two block any accounts said to be inaccurate due to identity theft by the consumer, no later than four business days after receipt of communication. I am now and pursuing of the next step in continuing the pursuit of legal action. The first complaint was made on XX/XX/. It is now the fifth day XX/XX/.
Product: Checking or savings account

I noticed unauthorized accounts on my consumer report that I would like removed. According to the FCRA, these unverified and unauthorized items must be removed. 

I have not supplied proof under the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau Office of Consumer Response XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Subject : Dispute of Inaccurate Information on XXXX Credit Report with Toyota Motor Credit Dear Consumer Financial Protection Bureau, I am writing to file a formal dispute regarding inaccurate information present on my XXXX credit report, specifically in relation to an account listed as belonging to Toyota Motor Credit. This information is negatively impacting my credit score and I believe the following laws may have been violated : 12 CFR 1006.34 ( b ) ( 5 ) : This regulation relates to the definition of " initial communication '' within the debt collection process. I contend that Toyota Motor Credit or a subsequent debt collector may not have adhered to the stipulations of this regulation in their communication practices. 

12 CFR 1006.34 ( c ) ( 4 ) ( i ) : This regulation requires that debt collectors provide validation notices outlining certain information. I believe that Toyota Motor Credit or a subsequent collector may have failed to provide a compliant validation notice. 

12 CFR 1006.34 ( d ) : This regulation outlines requirements regarding the content of validation notices, and it is possible that the notice I received was deficient or misleading.

15 USC 1681-s2 ( 7 ) ( A ) : This law mandates that furnishers of information to credit reporting agencies have a duty to investigate and respond to disputes in a timely and accurate manner. I believe that XXXX has failed to adequately fulfill its responsibility under this law. 

In addition, I am requesting that this debt be validated.
Product: Credit reporting or other personal consumer reports

I am writing to request a reinvestigation of the information contained in my credit report in accordance with 15 U.S. Code 1681i - Procedure in case of disputed accuracy, and 15 U.S. Code 1681e ( b ) - Compliance procedures to assure maximum possible accuracy of the information. I recently reviewed my credit report and wish to ensure that all the information is 100 % correct and accurate.

Below are the accounts I am requesting to be reinvestigated XXXX XXXXAccount Name : CXXXX XXXX XXXX XXXXAccount Number : XXXX
Product: Vehicle loan or lease

I purchased a vehicle via a dealership called XXXX in XXXX XXXX Florida. After four months of non registration of the vehicle, a time when payments and insurance was paid for, I filed a complaint with the XXXX in Florida. Multiple violations were found including the lack of payoff of a previous loan on said car. After a year of paying payments, repairs and insurance on this car, I returned it to the dealer as it was not able to legally sell it to me. Let alone carry a lien on it. this was almost three years ago. The finance company vehicle finance solutions out of XXXX XXXX Florida is not only grossly inaccurately reporting on my credit report which is affecting my life in horrific ways, both the balance is incredibly incorrect as well as the fact that they show the loan open which I can almost guarantee that is not true. This is effectively ruining my life and after multiple attempts to dispute via credit complaints that are still unresolved I dont know what my other options are anymore.
Product: Vehicle loan or lease

I have a Car loan with Capital One auto Finance. Every month i do different payments before the payment due date. I specifically pay Interest +principal. In XXXX my statement was principal XXXX, i did my monthly payments until even before the time and then in XXXX my balance was XXXX. As you can see my payment was approx only {$20.00} to the principal. I do payments sometimes twice a month and they always apply the amounts to the correct part ( interest+principal ). Capital one is taking away all the money that imI paid to be applied to the interest. It is not fair
Product: Credit reporting, credit repair services, or other personal consumer reports

Not enough information to verify debt : In XXXX, XXXX and XXXX of 2019 I requested verification according to the FCRA section 609 ( a ) ( 1 ) ( A ) - through the physical verification of an original signed consumer contract and have been responded to repeatedly with verified as accurate without providing the requested documentation.I have specifically asked for an investigation and not an electronic or XXXX verification and their method of verification but they continue to ignore my requests.
Product: Credit reporting or other personal consumer reports

" I reviewed my consumer report and informed your agency on XX/XX/year> about the items I disputed. Despite this, the issue remains unresolved in a manner that is fair and equitable to me as required by the FCRA. I sent a notice to your agency, including a FTC Identity Theft Report, and also filed a complaint with the Consumer Financial Protection Bureau CFPB. With this letter I have also included a FTC XXXX to further substantiate my claim. 

Method of Verification Dispute Notice : Remove these Fraudulent Accounts, Inquiries & Inaccurate Personal Information. 

Your agency has clearly refused to follow the law and honor my previous request so I am requesting a reinvestigation and demanding your agency to explain your METHOD OF VERIFICATION in verifying these items, pursuant to the Fair Credit. ''
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX, XXXX XXXX XXXX XXXX and NCB Management Services are in violation of my rights as a federally protected consumer.

They are in violation of The Privacy Act of 1974 and FCRA.

They have not given me any notice to opt out although it is my right as a federally protected consumer as per 15 USC 6802-6805 and 16 CFR 313.7 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' XXXX XXXX XXXX, XXXX XXXX XXXX and NCB Management Services Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law.

They are in violation of 15 USC 1681a by reporting transactions and also in violation of 16 CFR 433.1, 433.2,
and 433.3 Attached is my opt out letter as XXXX, XXXX XXXX XXXX and NCB services failed to give me an opportunity to do so.
Product: Debt collection

I have received repeated calls from multiple phone numbers from a company representing themselves as dynamic recovery solutions. they always call at obscure times and I get a call every day of the week and its always from a different number and they call my cell phone. they never state my name in the message which makes it very suspicious.
Product: Checking or savings account

I was overseas for over a year. Over XXXX was taken from my account. I came to USAA detailing the problem and the fact it wasn't me. I put in a dispute and the bank said they would do an investigation. None was done. My claim was denied and I've requested the evidence used and was told that they didn't have to supply it without a police report. That is a complete lie and against the law. I made them aware of this and still we came to no resolve. I even was able to provide tax documents stating I was overseas. Still this meant nothing. They've been infiltrated where hackers are calling and texting members from USAA numbers. They didn't even provide any notice for over 2 years. I was contacted by these hackers multiple times. I even wrote a letter to the president of USAA. No member should lose this amount of money because a bank lacks the proper protection and security measures.
Product: Mortgage

To Whom It May Concern at CFPB, Since XXXX, I have held a mortgage with Arvest Bank for my home. As part of their service, they handle property tax payments through an escrow account. However, in XXXX, they neglected to pay the county tax, which is currently accumulating penalties. Despite my attempts to contact them for assistance, they have not taken any action to rectify the situation and pay the outstanding tax. 

I appreciate any help you can provide in this matter.
Product: Credit reporting or other personal consumer reports

Experian, XXXX and XXXX  Account Name : XXXX XXXX XXXX XXXX XXXX XXXX need to remove Late payments
Product: Credit reporting or other personal consumer reports

Please review the document received from XXXXXXXX XXXX  regarding the late payments on my credit report. I was told to send in this documentation in order to have this issue resolved.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable investigation 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 Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed account, as Experian 's inaction violated federal law and my right as a consumer.
Product: Credit card or prepaid card

On today 's date XXXX the XXXX XXXX at XXXX XXXX  XXXX time, I made a payment yesterday for the monthly payment four PayPal credit. Then I get mixed messages from PayPal credit I see on the website where I made the payment and it went through on the XX/XX/XXXX. Then I was sent a email saying that the payment was returned on the day after XX/XX/XXXX. I called the number on the form. This tactic is what I call the " phone hiccups ''. Example : I put my phone on speaker in the ultimate prompt will ask me questions. The problem is it'll have asked me a question not giving me time to answer and say " Say that again ''. That's what I call a hiccup in their phone system. The last time I did that was last week. After having trouble connecting it should get me to a regular real person. This time it will hiccup and hiccup and hiccup and then say goodbye. This is a tactic to frustrate the customer. This is after XXXX minutes on hold some answer, not say a word then end call. All on a weekend. I will send you the e-mail with this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed a fraudulent bankruptcy with all the credit reporting agencies including with the court of Bankruptcy and the public records office of XXXX. The court and XXXX sent me a resolution after a thorough investigation that and confirmed with their records that I have been a victim of identity theft and the fraudulent bankruptcy must delete from all the credit reporting agencies. However, the bankruptcy yet is being reported by none other than the Transunion credit reporting agency falsifying their claims that the bankruptcy is accurate. I have documents that support my claim from the court and the public records office. Yet, Transunion, XXXX, and XXXX refuses to file for a removal of this fraudulent tradeline out of my records and claim the court records are inaccurate or sometimes they claim they are " investigation '' or " disputing '' and when the status of the dispute is checked online, they haven't taken any actions. The mentioned credit bureaus must face immediate disciplinary actions set by the law for filing/reporting inaccurate information on the consumer 's credit report. They have the duties of reporting accurate information and once the data furnisher claims the error and informs them to be removed or informs the consumer that the data furnisher was inaccurate with their reporting. The credit bureau must revise the reports under applicable law of the United States of FCRA Subsection 605 ( B ). This complaint is directed to all the credit bureaus that are neglecting in their duties and ruining consumer 's credit reports which their negligence costs us our financial credibility.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX ACCOUNT # XXXX LATE PAYMENTS WERE DUE TO LOSS OF INCOME FROM COVID 19. I MADE AN AGREEMENT WITH CREDITOR TO PAUSE MY PAYMENTS BUT THEY REPORTED THEM LATE ANYWAY. 
XX/XX/XXXX - XX/XX/XXXX XXXX ACCOUNT # XXXX LATE PAYMENTS WERE DUE TO LOSS OF INCOME FROM COVID 19. I MADE AN AGREEMENT WITH CREDITOR TO PAUSE MY PAYMENTS BUT THEY REPORTED THEM LATE ANYWAY. 


SYNCB/AMAZON ACCOUNT XXXX XXXX LATE PAYMENTS WERE DUE TO LOSS OF INCOME FROM COVID 19. I MADE AN AGREEMENT WITH CREDITOR TO PAUSE MY PAYMENTS BUT THEY REPORTED THEM LATE ANYWAY.
Product: Credit reporting, credit repair services, or other personal consumer reports

The debt collector sent a deletion letter for accounts to be deleted at XXXX XXXX Equifax and XXXX only XXXX deleted The debt Equifax and XXXX  failed to donit
Product: Credit reporting or other personal consumer reports

I've recently checked my credit report and noticed some inaccurate accounts reporting. 

XXXX XXXX Opened XX/XX/XXXX Balance XXXX Account # XXXX its a charged off account and it's showing open. ( I need this account off my credit report ) XXXX XXXX opened on XX/XX/XXXX for XXXX Account # XXXX It's showing account is paid off and closed. ( please remove this from my credit report ) XXXX XXXX opened ( XX/XX/XXXX Account # XXXX XXXX diffrent accounts showing the same time. One credit bureau is showing closed and the other paid ( please remove this from my credit report ) XXXXXXXX XXXX Opened the same time ( XX/XX/XXXX Account # XXXX Here is another false report on my credit please remove. One credit bureau is showing closed and the other paid XXXXXXXX XXXX ( XX/XX/XXXX Account # XXXX here is another false report on my credit report. please remove this item. 

XXXX XXXX opened XX/XX/XXXX XXXX Account XXXX Collection/Chargeoff account ( please remove from credit report. 

XXXX opened XX/XX/XXXX XXXX account closed ( please remove item from my credit report ) XXXX XXXX XX/XX/XXXX XXXX Collection/Chargeoff ( please remove this from my credit report ) XXXX Opened XX/XX/XXXX Amount {$7600.00} account closed ( please remove from my credit report )
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inaccurate reporting of a late payment on my credit report for my mortgage with Round Point Mortgage in 2020. This payment was reported as late, but I was never late.

Under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), credit reporting agencies are required to ensure the accuracy of the information they report. This inaccurate reporting is damaging to my credit standing and does not reflect the facts.
Product: Debt collection

I previously asked to investigation on this account asking this company to provide me with the contract this was used to open the account so i can add the information to my police report I wasn't given anything. I read that under the fair credit reporting act that I have a right to ask for removal of any account that was opened in my name fraudulently in my name to be remove pending the outcome of this investigation.
Product: Credit reporting or other personal consumer reports

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

Account Name : XXXX XXXX Bankrup tcy Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number XXXX XXXX 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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

The purpose of this complaint is to have several unauthorized hard credit inquiries removed from my credit report. I received a copy of my credit report from your bureau on XX/XX/XXXX and noticed that there are unauthorized inquiries listed. Kindly investigate my claim in accordance with the Fair Credit Reporting Act. If you find any unauthorized inquiries, PLEASE REMOVE THEM AS QUICKLY AS POSSIBLE and send me a copy of my new, accurate credit report. 
XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Student loan

My loan is with Navient and there are several issues. They have XXXX sites and XXXX claim that my payments are different and in XXXX different areas there are three unique payments due. When I call they give me yet another amount due - none match whatsoever and the amount that actualy gets taken from my account is another amount. Nobody gives me an answer and I get the run-around every time. They say one thing and take out another. I make payments and they out them towards other loans that I did not request to pay off which are lower interest. This company is a scam and the people that I deal with are just taking orders without compassion for their customer. I recently got a notice for past due payment and they said it was due to XXXX - how is that my fault? I asked for a manager and they stated that there were no managers on staff at the time of my call which is XXXX on a Wednesday morning!!!!!! How is that possible. Again, this company is corrupt and is taking my money. I do not trust them and have been dealing with them for months now. Its not getting any better, but worse. i need help.
Product: Credit reporting or other personal consumer reports

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with EXPERIAN.COM and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( XXXX ) that I have made. It is the result of identity theft. XXXX XXXX XXXX Account # : XXXX - XXXX XXXX || Account # : XXXX - XXXX XXXX XXXX Account # : XXXX - XXXX XXXX XXXX  || Account # : XXXX
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX, and I am writing to formally request that XXXX XXXX and remove fraudulent, inaccurate, and false information from my consumer credit report, as required under the Fair Credit Reporting Act ( FCRA ) 605B ( 15 U.S.C. 1681c-2 ). This request is the result of identity theft report numberXXXXXXXX fraud that have caused serious inaccuracies in my credit report. 

The fraudulent accounts and details in question include : 1. Westlake Financial SVC Account # : XXXX Type : Installment account Balance : {$15000.00} Payment Status : Charged off as bad debt XXXX. XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) Account # : XXXX Type : Open account Balance : {$770.00} Status : Disputed by consumer XXXX XXXX XXXX XXXX Account # : XXXX Type : Installment account Balance : {$9500.00} Payment Status : Voluntary repossession XXXX. XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) Account # : XXXX Type : Open account Balance : {$1100.00} Status : Disputed by consumer XXXX. U.S. Bankruptcy Court Reference # : XXXX Type : Chapter 7 bankruptcy discharged Date Filed/Reported : XX/XX/year> These accounts and inquiries were not authorized, opened, or made by me. They are fraudulent and were initiated by an identity thief. I have attached a copy of the FTC Identity Theft Criminal Complaint ( # [ Insert FTC Case Number ] ) as evidence of the fraud. 

These fraudulent accounts have resulted in inaccurate negative information on my credit report, leading to financial and reputational damage. As per FCRA 605B, I am entitled to have this information blocked and removed within four business days of your receipt of this letter.

In addition to the FTC complaint, I have included supporting documentation confirming these accounts and inquiries are the result of identity theft. I request that you : Remove all fraudulent accounts from my credit report.

Block any associated inquiries or collections tied to these accounts.

Failure to comply with this request may result in legal action, including statutory damages and recovery of costs as outlined under the FCRA. 

Please confirm receipt of this request and provide me with a timeline for resolution. Thank you for your prompt attention to this matter. 

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

I paid a debt collector the balance in full. They updated the account as paid in full and closed. Then sold the account to another creditor for the original amount. When I contacted the current hold of the fraudulent account. They told me to contact an attorney and that if I paid the other company thats my problem. They said they purchased this account in XXXX of this year and yet reported that the account is with them since XXXX.