23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

On Friday, XX/XX/XXXX a payment of {$840.00} was removed from my escrow for a Hazard House Insurance Policy for annual coverage from XX/XX/XXXX through XX/XX/XXXX. On Thursday, XX/XX/XXXX, a payment of {$1300.00} was removed from my escrow account for an annual Flood Insurance Policy for coverage from XX/XX/XXXX through XX/XX/XXXX. On Thursday, XX/XX/XXXX a payment of {$1900.00} was paid to the same flood company for a second flood payment that I was not informed about. I went to the bank on Wednesday, XX/XX/XXXX to inquire and was told that another bank, which I had an Equity Line of Credit ( {$16000.00} ), requested this additional insurance. I requested to cancel it because Double coverage is illegal, although I was forced to pay it for the last 5 years and was told because they had no fax number for the bank that implemented this flood insurance, they couldn't cancel it. However, they stated if I payed {$4000.00}  my account would be back in good standing. I have paid into this house for 25 years on a 30 year mortgage and the game playing between the two banks and the Insurance Company is a bit too obvious that they are intentionally depleting my escrow, forcing astronomical flood pricing to bully me to refinance or have me removed from my home.
Product: Debt collection

I keep getting a notification on my phone to contact Radius Global Solutions I have no idea why or who gave this company the right to text me or even call after they have been told to stop I dont know why they are contacting and gave me a case number I have never gotten nor received this bill to even pay it reference XXXX stop texting me stop calling me its harassment you have contacted me more than once and still I have no idea what this is about and I dont owe you anymore either
Product: Credit card or prepaid card

Navy Federal Credit Union has closed the XXXX XXXX account that was fraudulently opened in my name, but I still receive statements say I owe a payment on the account. In addition, the company has failed to notify credit reporting agencies that this account was opened fraudulently. It should do that so the account is stricken from my records.
Product: Debt collection

Being sued by debt collector Midland Funding for a debt I did not even know about. I asked for verification and they sent a stack of paperwork from an account I did not open in XX/XX/XXXX or XX/XX/XXXX. My husband and I filed bankruptcy due to an auto accident in XX/XX/XXXX. I have only opened XXXX credit accounts in that time. Because I do not work and have bad credit. The paperwork they sent me has the wrong dates. Even my credit report says this debt was discharged in bankruptcy. Yet they are still taking me to court. Also the debt buyer company and original credit card company XXXX XXXX started reporting on my credit report that I opened said account in XX/XX/XXXX. Yet I never had attempted to open any credit account in XX/XX/XXXX and underneath these XXXX reports it says may have discharged in bankruptcy.
Product: Credit reporting or other personal consumer reports

I HAVE CHECK MY CREDIT REPORT AND NOTICE THAT THEY ARE REPORTING WRONG INFORMATION. WRONG PERSONAL INFORMATION.
Product: Credit reporting or other personal consumer reports

TransUnion has on my credit report an XXXX XXXXXXXX XXXX account for {$XXXX} the original creditor is unknown and the creditor contact is unavailable. there also is an account for XXXX XXXX XXXX for {$XXXX}. original creditor is unknown and the creditor contact is unavailable. i requested that said accounts be removed from my credit profile as there is no way for me to contest the validity of said accounts absent the original creditor information. TransUnion has refused to remove said accounts from my credit profile for reasons unbeknown to me. TransUnion also reports an account from XXXX for {$XXXX}, XXXX. I voluntarily surrender the vehicle following a no-fault accident and at the time of surrender the vehicle was insured. I notified TransUnion that the vehicle was paid off by insurance but TransUnion continues to report said account on my credit report
Product: Mortgage

We are having problems getting our mortgage company to release the funds that the insurance company allotted for repair of our house after the  Great Flood.  They released 50 % of the funds after we reached 50 % completion of the repairs, according to their inspection. This was after we had to get forceful with them to release that money. We have filed all the necessary paperwork to be our own contractors, due to the lack of adequate contractors or workers available to the contractors after the flood. We have gotten professionals to complete the work up until this point when it was needed, and would like to continue to do so. The problem comes in that they said our next inspection will be required at 100 % for them to release the rest of the funds. In other words, they would like us to complete the repairs out of pocket and then reimburse us?? We think the logic in this in faulty, and would like the funds ahead of time to complete the repairs.   The last letter they sent to us was stating that they had n't heard from us in 45 days and questioning why we were n't at 100 %. They said delaying on our part could cause a problem with the claim. It has been  9.5  months since the flood. There are shortages of materials and workers. Materials have been delivered damaged, or incorrectly. Nothing is moving quickly.   We are asking that the money be released to us in a timely manner, without the reluctance we have been receiving from them. If they were to look at our history of this mortgage, they would see that we have not been late on payments and we have even paid extra most months. We moved into this house 5 years ago, put a significant down payment on it at signing, and have taken good care of the house until the flood. After the flood, we made repairs to the outside of the house that the insurance did n't cover, which totalled arou nd 20,000. We are q uite vested in this house and have no intention of taking the money and running. We have taken a lot of pride in making our house our home, have all intentions of rebuilding even better than before, and do not appreciate the hoops we are having to jump through to be able to have access to  OUR  money.   In summary, we would like the rest of the money released to us so that we can make the repairs.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 

I looked at my XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, 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.

and according to 15 USC 1681s-2 they are suppose to 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

Experian is furnishing information on my credit report that is a result of identity theft and fraud. There is a hard inquiry being reported on my file that was never authorized by me. The inquiry is from ( " XXXX '' on XX/XX/year> ). This was not me. This inquiry is identity theft. I already called Experian and told them this yet they refuse to help or correct the situation. Experian is violating my rights as a consumer and is not acting in accordance with the law.
Product: Credit card or prepaid card

Contacted representatives of the company via telephone and emails several times in XXXX and XX/XX/XXXX because of the financial hardship I am experiencing from Hurricane Irma.  However, they continue to plague me with calls, jeopardizing my employment for an overdue payment and would not provide with an answer to my request for a payment deferment on my minimum payment due to XX/XX/XXXX on my credit card accounts.
Product: Debt collection

I checked my credit report on XX/XX/2019 and noticed a collection against me from lockheart XXXX and Montgomery i do not know who this company is i have never signed nor have any agreement with this company
Product: Credit reporting

Family with similar names and SS that only changes by XXXX digits. I 've requested and submitted proof of legal name and SS card and letters to get my credit straight of the past 10 yrs. They just do a quick fix but in less than 3-6 months go back to square XXXX. It 's affecting me in job interviews, Car loan, mortgage loans and Credit card apps. Do to this commingled info I have to pay Higher IRR and I have a debt ratio so high that I ca n't afford to pay for loans in a fair market.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter last XX/XX/XXXX, to remove the following items listed below that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days. Ive already included this in my previous request & I am including it again. 
XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, MD XXXX, XXXX XXXX XXXX XXXX, MD XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX  Balance : {$100.00}, XXXX  XXXX XXXX Balance : {$57.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance : {$450.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXXXXXX XXXXBalance : {$2100.00}, XXXX XXXX Balance : {$120.00}, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1000.00}, XXXX Balance : {$180.00}, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

Began receiving notifications from an attorney in XXXX about a debt incurred by someone with the same name as mine. Contacted the attorney by phone and the head of the collection department acknowledged it was a different person they were seeking. Affidavit 's continue to be mailed to me and served in person. Despite numerous phone calls to the attorneys they continued to contact me by mail. Found a court case registered in XXXX XXXX with my name listed.
Product: Vehicle loan or lease

Us auto sales illegally sold my information to westlake portfolio management and they just recently repossessed my vehicle.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX # XXXX has violated my rights. 

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

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall ot furnish any information relating to a consumer to any consumer reporting agency ifthe person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I am writing to dispute XXXX unauthorized Inquiries on my credit report that EQUIFAX is reporting innacurate, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ). After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize : Disputed Inquiry XXXX : XXXXXXXX XXXX XXXX XXXX, XX/XX/XXXX, Unspecified. 
Disputed inquiry XXXX : XXXXXXXX XXXX, XX/XX/XXXX, Unspecified. 
Disputed inquiry XXXX : XXXX XXXX, XX/XX/XXXX, Unspecified. 


Basis for Dispute Section 611 ( 15 U.S.C. 1681i ) states that I have the right to dispute any inaccurate or incomplete information on my credit report. I request that you investigate these unauthorized inquiries and remove them from my credit report.

Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the inquiries made. After reviewing this information, I firmly believe that the inquiries listed above should not be on my report.

Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. I did not give my consent for these inquiries to be made, and I can not find a permissible purpose under this section that justifies their presence on my report.
Product: Debt collection

I am writing to formally lodge a complaint regarding an erroneous entry on my credit report that has caused significant distress and confusion. This entry pertains to a debt that was charged off on XX/XX/XXXX, and has since reappeared on my credit report with an updated date of XX/XX/XXXX, attributed to Transworld Systems Inc. 

Despite the original debt being charged off, I am now facing this account as if it is a new debt, which is not only misleading but also potentially illegal under the Fair Credit Reporting Act ( FCRA ). The reappearance of this charge-off with a new reporting date is affecting my credit score and overall financial health. 

I have taken the following steps to resolve this issue : 1. Reviewed my credit report and confirmed that the debt is reported inaccurately.

2. Attempted to contact Transworld Systems Inc. for clarification, but have not received a satisfactory response. 

I request that you investigate this matter promptly, as the reporting of this debt violates my rights as a consumer. I ask that you ensure this incorrect entry is removed from my credit report and that I receive confirmation of this action. 

Thank you for your attention to this serious matter. I look forward to your prompt response.
Product: Debt collection

TrueAccord is attempting to collect a debt letter dated XX/XX/. I replied in writing on XXXX XXXX  that the debt dispute the debt is not mine and ask for validation. I also call to verbally dispute, Received a text for this company on XX/XX/XXXX and called again XX/XX/XXXX and was give the a completely different and additional five account of collections totally {$820.00}. I filed a police report of Identity Theft with the police department XXXX. The Officer recommended to me file this report to assist with this company.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed several inaccuracies. These unauthorized accounts are hurting my ability to obtain credit as I am in the process of trying purchase a home for my family. It is my understanding that you will investigate these items to ensure accuracy and remove all fraudulent accounts from my credit report. Here are the other items as well, I am asking you to verify as accurate : XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX  XX/XX/XXXX, XXXX  XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX  XXXX XX/XX/XXXX, XXXX XXXX XXXX  XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX  XX/XX/XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( {$380.00} ), XXXX XXXX XXXX # XXXX ( {$110.00} ) I looked at my Equifax credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, 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.

and according to 15 USC 1681s-2 they are suppose to 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, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act any inaccurate date, information, reported account history, and addresses has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written, instructions. 

I pulled my entire credit report and noticed inaccurate dates, addresses, missed payment info and account history, remarks and information. I decided to write 409 letters to each credit agency on XX/XX/2022 to fix this. As well as a verification of method used letter on XX/XX/2022 to follow up and verify information that was verified. I also wrote a demand and comply letter to continue to try and resolve the matter.
Product: Credit reporting or other personal consumer reports

The distress stemming from this situation is tangible, affecting my sleep quality and leaving me unsettled. The discrepancy feels difficult to reconcile with my consistent payment history. I implore you to promptly rectify my account. It feels unjust to suffer the consequences of an error for which I am not responsible. This situation has become a significant source of XXXX and I earnestly hope for a swift resolution.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX. 
XXXX, TX XXXX XX/XX/XXXX XXXX RE : Follow up Recently, I mailed a letter requesting verification of inaccurate accounts reporting on my credit report your bureau maintains on XX/XX/XXXX. I received a response stating that the account ( XXXX ) were verified on XX/XX/XXXX. 

I am formally requesting a description of the procedure your bureau used in providing all information to the original creditor in processing my dispute under FCRA 611 ( a ) ( 7 ).

To be clear, per FCRA 611 ( a ) ( 2 ) ( b ), your agency is required to forward all relevant information to the original creditor to ensure proper investigation of my dispute.

I am requesting you provide me ALL information used for your investigation, as required by FCRA 611 ( a ) ( 7 ).

These accounts I am demanding your PROOF, you legally HAVE to provide to me. 

XXXX. XXXX XXXX ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) XXXX. XXXX ( XXXX ) XXXX. XXXX XXXX XX/XX/XXXX ) XXXX XXXX XXXX ( have told y'all over and over again I have never heard from this company and neither you nor them have sent me proof of account and I am about to file a police report and report it and report it to the FTC ) XXXX. XXXX XXXX XXXX ( Again, absolutely no knowledge of this account and no one has provided me any proof. I have even written this company and have not received a response from them. I will be reporting them and yall as well if not removed. ) XXXX. XXXX, account XXXX, ( XX/XX/XXXX ) Per the FCRA you are required to provide this information to me within 15 days or you are to delete the negative items from my credit report. 
You have failed to provide any validation to me. 


Best Regards, XXXX XXXX I have attached my payment history from XXXX card. My XXXX  card was not late, and if it was late for those 2 months then why is not reported late for the other months. It needs to be updated and fixed.
Product: Credit reporting or other personal consumer reports

Hello, good evening, I am contacting you in order to be able to remove XXXX accounts that I do not recognize, which are XXXX XXXX XXXX na with an inquiry date of XX/XX/XXXX and XXXX with an inquiry date of XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Subject : URGENT DEMAND TO CORRECT PERSONAL INFORMATION & DELETE INACCURATE ACCOUNTS FCRA 611 ( a ), TEXAS FINANCE CODE 392 To Whom It May Concern : I dispute multiple inaccuracies in my Experian credit file, including misspelled names, fraudulent addresses, and unauthorized employment entries. These errors invalidate the accuracy of all reported accounts and suggest a mixed file. Under FCRA 611 ( a ), you must investigate and delete unverifiable data. 

Critical Personal Information Errors Misspelled Names : Incorrect : XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Correct XXXX XXXX XXXX XXXX XXXX no typos, suffixes, or aliases ). 

Fraudulent Addresses : Incorrect : XXXX XXXX XXXX XXXX XXXX, NJ ), XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Correct : XXXX XXXX XXXX XXXX, XXXX, TX XXXX ( no other addresses since XX/XX/2024 ). 

Unauthorized Employers : Incorrect : XXXX XXXX XXXX XXXX, XXXX. 

Correct : XXXX ( no other employers ). 

Legal Violations FCRA 607 ( b ) : Failure to ensure maximum accuracy.

Texas Finance Code 392.304 ( a ) ( 8 ) : Misrepresentation of personal information. 

Mixed File Risk : Errors like XXXX XXXX and XXXX addresses indicate merged data. 

Demands Correct all personal information to : Name : XXXX XXXX XXXX. 

Address : XXXX XXXX XXXX XXXX, XXXX, TX XXXX. 

Employer : XXXX 

Delete all accounts tied to : XXXX addresses or unauthorized employers. 

Any activity during periods I resided outside Texas ( e.g., XXXX ). 

Provide written confirmation and a revised credit report. 

Failure to Comply Will Result In : CFPB Complaint : For violating FCRA 611 ( a ). 

Texas AG Lawsuit : Under Texas DTPA ( statutory damages up to {$20000.00} ). 

Legal Action : For defamation and emotional distress.

Enclosed : Copy of Texas Drivers License. 

Utility bill ( XXXX, TX ). 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX