23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I recevie a letter in the mail that was written on XXXX from a debt collector name, XXXX, XXXX XXXX XXXX, XXXX ( AKA ) XXXX XXXX. Of a debt that I do not own. For months, I been asking them to send me documents with my information on it and a signature on the paperwork and the refuse to send it. They was just sending me a bill with my name on it. I recevie a letter stating that if " Failure to comply with this information subpoena may result in your arrest and incarceration. 
The amount they said was owe was XXXX, the paperwork date this bill on, XXXX XXXX. 
Under the law Of the ( FDCPA SECTION 807 ) its a fine of XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

N accordance with the fair credit reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 INSTUCTONS
Product: Credit reporting or other personal consumer reports

I checked my credit report this morning and saw something unusual. There is an inaccurate account so please check the documents I've sent.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX # XXXX - DATE OPENED XX/XX/year> Account Name : XXXX # XXXX - DATE OPENED XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern all of the following I never ever applied for. I have no knowledge of. Was never authored by me, Today 's date is XX/XX/XXXX. Over the past few months I have tried to get these this inaccurate on my credit report off my file. XXXX  - Card Service Inquiry from XX/XX/XXXX, XXXX XXXX XXXX  XXXX Inquiry from XX/XX/XXXX, XXXX XXXX XXXX Inquiry from XX/XX/XXXX, XXXX XXXX XXXX  XXXX Inquiry from XX/XX/XXXX, XXXX XXXX  XXXX  XXXX  XXXX Inquiry from XX/XX/XXXX, XXXX XXXX XXXX. Inquiry from XX/XX/XXXX, XXXX XXXX XXXX Inquiry from XX/XX/XXXX, XXXX - Card Service  Inquiry from XX/XX/XXXX, XXXX/XXXX  XXXX Inquiry from XXXX XXXX, XXXX, XXXX XXXX XXXX XXXXXXXX , XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX, XXXX XXXX XXXX  XXXX Inquiry from XXXX XXXX, XXXX
Product: Credit reporting or other personal consumer reports

I've found that my credit report has erroneous information for the second time. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

The company continues to refuses to apply my payments the way I have requested them to be applied. When I call, I get " disconnected '' mid sentence and they don't bother to call me back. 

Since XX/XX/XXXX, I have sent XXXX ( XXXX ) payments of {$1600.00}, totaling {$8000.00}. My account had been transferred on XX/XX/XXXX to Mr. Cooper with the first payment due to them on XXXX, but they applied the mortgage payment to XXXX instead of to XXXX as they should have. This was never corrected. Mr. Cooper is unable to show me how those payments were dispersed beyond the first {$3100.00} mortgage payment and a transfer of {$1600.00} to escrow. That leaves {$3200.00} unaccounted for. I was told I have an estimated escrow shortage of just under {$2000.00}, even with the transfer of {$1600.00}. After sitting on hold for more than XXXX minutes, I was told that my escrow shortage was only {$200.00}. I told them to apply {$1600.00} of unapplied funds to the escrow account and requested a new escrow analysis. The remaining {$1600.00} stayed in unapplied funds to go toward the next mortgage payment. They are unable to tell me when and how much interest has been applied to my mortgage account, but stated that it should be XXXX XXXX annually despite nothing showing in my statements. They also stated that my escrow cushion must be twice the monthly escrow amount, which is not consistent with the XXXX amount noted on the CFPB website. When I asked if I must maintain an escrow account or if I may close the account to make my own tax and insurance payments in XXXX, I did not receive an answer. When I asked why the monthly mortgage amount needed to be increased, I was told this was due to taxes. But according to records, my XXXX taxes were {$8900.00} and XXXX taxes were {$9000.00}. Mr. Cooper was unable to share my XXXX insurance fee, but I do not believe it has increased significantly enough to increase my monthly mortgage payment from {$3100.00} to {$3500.00} ( a {$360.00} difference ). 

Although the representative was very cordial and patient, I have found that overall the company has an alarming deficiencies in accounting as evidenced by my extremely confusing payment history provided online. They also fail to allow customers to access itemized accounting of escrow accounts- this must be requested by calling. I believe they use creative accounting to increase monthly payments, therefore earning more revenues from their unknowing customer base. 

It is important to note that Mr. Cooper originally stated my mortgage payment would increase on XX/XX/XXXX, but after my complaint to CFPB, they retaliated by making the mortgage payment increase effective on XX/XX/XXXX instead. 

As of right now, I am completely unsure how and when my {$8000.00} of payments have been applied, when my escrow interest is paid, when my next payment is due, or how much is due. Mr. Cooper 's accounting principles are questionable and the ethics surrounding the application of payments leaves much to be desired. 

Please note the dates and amounts on the attached documents, which support my statements.
Product: Credit reporting or other personal consumer reports

I had just recent got to thinking its time to buy a house. When I pulled my credit report I noticed a bunch of fraudulent activity on it so I just filed a FTC report that I will be attaching here that contains XXXX fraudulent accounts along with a number of fraudulent inquiries I will be submitting with this report.
Product: Checking or savings account

I was balancing my checking account online the first week of XX/XX/XXXX. My account was almost {$7000.00} short and none of this qualified for the account monitoring I pay for to be alerted. On XX/XX/XXXX, over {$4400.00} was electronically deducted from my checking to pay for a storage building in California. How this did not trigger any suspicious activity alert, I do not know. Fortunately, this was refunded to me by the bank. Beginning XX/XX/XXXX and going through the first week of XX/XX/XXXX stolen and forged checks were cashed at the BANK BRANCH in person with the perpetrator signing his name, leaving his finger print, and social security number. He was arrested and charged with over 10 felony ID theft and forgery charges, and admitted to stealing the checkbook from my home. I gave U.S. Bank the police report and filled out an affidavit. As stated on the bank 's website I had 30-45 days to submit the complaint, which I did and followed all the requirements asked by the bank.I proved my money was illegally and wrongfully taken from me and the bank closed my account and refused to replace the money. On top of this, the bank closed my account before the last stolen check posted, result in overdrafts fees to the old account. I did everything on my end and I am being dismissed. The bank also allowed over {$700.00} to be electronically stolen in XX/XX/XXXX that I had to catch myself as well. I put my money in the bank so it can be protected from other people, and the bank literally accessed my account without my permission and gave my money away, which is theft. How can U.S. Bank charge for account monitoring and be a federal bank if it can't even protect what little money I had? Money I had to borrow from the U.S. Dept of Education for my tuition. This bank has more than enough to cover my loss, which they allowed in the first place. Had they taken one minute to verify just one of those checks this could have been avoided. I have called over half a dozen times to dispute the denied claim, and ask how they can just hand out a customer 's money when the check is forged, and the teller informed me they do not check signatures or verify checks, as long as there's money in the account they will cash it. How is this fair? How is this a federal banking policy? I just want my own money back plus the overdrafts fees, which is {$1900.00} plus overdrafts.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX obtained a copy of my consumer report under false pretenses I never gave them written consent to obtain my consumer report. On XX/XX/2021 they pulled my consumer reporting causing my score to drop tremendously. They used my identifying information without my consent to obtain a copy of my consumer report from Equifax. That is identity theft pursuant to 15 usc 1681 ( a ) ( q ) ( 3 ). The term identity theft means a fraud committed using the identifying information of another person, subject to such further definition as the Bureau may prescribe, by regulation. Pursuant 15 USC 1681q, Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both. XXXX XXXX obtained my consumer report under false pretenses and without written consent. This unauthorized inquiry damaged my consumer report and they are now Criminally and civilly liable. Pursuant 15 USC 1681n ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ;
Product: Checking or savings account

Post transactions so my account stays negative to be able to have more overdraft fees
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax ; XXXX  and XXXX are reporting incorrectly lates on the XXXX XXXX account number XXXX. ( Please see page 4 of the attached credit report. ) These student loans were deferred and consolidated and therefore should not be reporting on my credit report. I have contacted the ( 3 ) bureaus to remove this item, however I was unsuccessful. This incorrect reporting is harming my credit score and these line items need to be deleted from my credit report.
Product: Credit reporting or other personal consumer reports

i recently reviewed a copy of my credit report and noticed i had fraudulent accounts on my report. please remove these accounts from my report, they are hurting my ability to obtain credit
Product: Checking or savings account

I recently received an SBA LOAN which was deposited in my checking account. Shortly after the deposit, I received an email stating that my personal checking account could not be used for business. The electronic disclosure stated I had 60 days to transfer my funds out of my account. Two days after I received this electronic disclosure my checking account was frozen. I was unable to access my account so I contacted their customer service number so as to find out what was going on. Upon contacting Customer Service I was told that they need information to confirm that I was the intended recipient of the loan so they requested a copy of my SBA Loan Agreement, EIN Letter from the IRS, Driver License, Utility Bill, and Social Security Card. I provided a copy of everything requested only to be told that my social security number could not be verified nor my loan. I asked what was needed and they requested the same items I submitted last Wednesday. Today 7 days later I submitted the same documentation and I was told by XXXX in their security department he saw multiple social security numbers to which I stated I only had one the one which I provided. He stated he would need to call some of the former secret service agents which he knows so they can reach out to some people in XXXX. This is the most discriminatory process I have ever been involved with.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. You must remove any items that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. The following items are inaccurate that needs to be removed : XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX, IN XXXX ; XXXX XXXX XXXX XXXX # XXXX XXXX, MO XXXX XXXX XXXX XXXX  XXXX Balance Owed : {$0.00} ; XXXX  XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Owed : {$0.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$1000.00} ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; 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 {$0.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$1100.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX, XXXX, XXXX ; XXXX XXXX ; XXXX XXXX  XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Owed : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$1000.00} ; XXXX XXXX XX/XX/XXXX ; 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I discovered an unauthorized and inaccurate collection account on my credit report, reported by XXXX XXXX XXXX and reflected on my report with EQUIFAX.I do not recognize this account, and I believe it has been included on my credit report without proper authorization. 
I submitted a formal dispute with EQUIFAX, requesting verification and removal of the account 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 623 ( 15 U.S.C. 1681s-2 ), which require that only accurate and verifiable information be included on my report. Additionally, I cited Section 604 ( 15 U.S.C. 1681b ), which mandates that all access to my credit report must have a permissible purpose. 
Despite my dispute, EQUIFAX responded by marking the account as " verified '' or " updated '' without providing any documentation or evidence supporting the accounts validity. I believe this is a violation of my rights under the FCRA, as credit bureaus are required to conduct a reasonable and thorough investigation, and failure to do so can result in liability, as upheld by case law like XXXX XXXX XXXX XXXX XXXX. 
Additionally, the actions ofEQUIFAX and Collection Agency may constitute a violation of the Unfair, Deceptive, or Abusive Acts or Practices ( UDAAP ) standards. By retaining unverifiable information on my report, they are potentially engaging in deceptive or unfair practices. This inaccurate information has negatively impacted my credit score, affecting my financial standing and access to credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

In regards to XXXX XXXX account number XXXX I have filed complaints with XXXX, Experian and XXXX. About the account. On XX/XX/2022 all 3 places came back telling me the information will remain on my credit report and will not be change citing that they are all reporting it accurately. This however is in fact a lie and is being falsely reported on my Credit profile. I have attached here to a copy of the final payment along with details of when XXXX cashed the payment. The date is listed as XX/XX/2022, a month before they sent back findings that they are reporting correctly and there is a balance owed. All 3 of the mentioned clearly did not do an actual investigation or provide accurate findings. They simply reply ex that it was correct just to close out the complaint so they didnt need to be bother with it
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Cares Act and the Heroes Act, XXXX XXXX ( Account # XXXX ) has violated my rights, XXXX  XXXX reported 4 late payments on my Consumer Report ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ). The reporting of the late payments are damaging and hurting me from purchasing a home for my family. 

Due to the current in place COVID-19 National Emergency, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( F ) of the Cares/Heroes Act, requires creditors to report any account that had a payment accommodation applied to it during the Covered Period as " current '' to the consumer reporting agencies. At the time, I was on an accommodation hardship program with XXXX XXXX starting XXXX of XXXX until XX/XX/XXXX. 

The CARES Act protections require creditors to follow these guidelines for all agreements made between XX/XX/XXXX through 120 days from the date the COVID-19 National Emergency is declared over. The National Emergency has not been declared over as of this date.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance to the Fair Reporting Act XXXX account XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX has violated my rights. 

15 U.S.C. 1681 section 602 A states I have a right to privacy.

16 U.S.C. 1681 section 604 Section 2 It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX has charged off or Write off a Debt So it no longer 's appear on the company 's balance sheet. This has to have been reported to the IRS. XXXX XXXX XXXX XXXX XXXX refused to provide consumer with a 1099C cancellation of debt form We should be provided seeing that the debt was more than {$600.00}. Currently consumer is in court on the same debt that was discharge off by XXXX XXXX XXXX XXXX XXXX being asked for monies by law firm XXXX XXXX XXXX When the debt is already charged off written off and should have been reported to the IRS because it is reported on consumers credit report which is protected by the FCRA. Consumer is requesting all 1099-C to be male to his current address.,
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX, XXXX  XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX, XXXX XXXX XXXX : {$1300.00}, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX {$4400.00}, XXXX  XXXX XXXX Balance : {$450.00}, XXXX XXXX  XXXX Balance : {$3100.00}, XXXX XXXX XXXX XXXXXXXX Balance : {$4400.00}, XXXX XXXX XXXX XXXX XXXX Balance : {$9700.00}, XXXX XXXX XXXX XXXX XXXX Balance : {$8700.00}, XXXX XXXX XXXX  XXXX XXXX XXXX {$6100.00}, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1400.00}, XXXX XXXX XXXXXXXX Balance : {$5100.00}, XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX  XXXX XX/XX/XXXX 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 XXXXXX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting

XXXX could not validate these accounts, Equifax needs to follow suit. The debt can not be validated, therefore it needs to be removed from my credit report. I have no knowledge of this debt.
Product: Credit reporting or other personal consumer reports

I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXX CARD Account # : XXXX LENDING XXXX XXXX Account # : XXXXXXXX XXXX  Account # : XXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than XXXX years old, other than records of convictions of crimes. 
Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.