23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX COUNTRY XXXX XXXX XXXXXXXX XXXX XXXX Subject : Dispute of Collection Account XXXX Dear XXXX XXXX XXXX I am writing to formally dispute the collection account referenced above. I recently received a notice regarding this debt, and I believe that it is either inaccurate or has been reported in error. Under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting verification of the debt, including the original creditors name, the amount owed, and any supporting documentation that substantiates your claim. Please provide this information within XXXX  days of receiving this letter. If a consumer notifies a debt collector that they do not wish to be contacted further, the law under 15 USC 1692 ( c ) requires that the collector must cease communication with that consumer. Heres a more detailed breakdown : Additionally, I kindly ask that you cease all collection activities until this debt has been verified. If you are unable to provide the requested documentation, please remove this collection account from my credit report. Thank you for your attention to this matter. I look forward to your prompt response. Sincerely, XXXX XXXX XXXX
Product: Mortgage

I JUST CAN NOT BELIEVE WHAT I HAVE BEEN GOING THROUGH WITH THIS VA HOME LOAN SINCE 2008. I WAS JUST PUT TO THE RINGAR LIKE I WAS A PIECE OF FABRIC IN A WASHING MACHINE BEING DRIED OUT. I WAS TEXTED BY A VA REP THAT TOLD ME I HAVE A TERM OF 449 MONTHS, THAT`S 37 YEARS. YOU THINK I AM HAPPY YOU ARE PUTTING MY FAMILY THROUGH THIS GOT ME IN A XXXX XXXX TO WHAT THE CFPB IS SAYING AND THAT`S A VIOLATION. IN 2008 MY LOAN IS FOR. 
{$250000.00} MONTHLY PAYMENTS OF {$2000.00} FOR 3 YEARS THEN YOU DID YOUR KIND OF REFINANCING. AND I HAVE A DOCUMENT THAT SHOWS THAT ALL I PAID IN 3 YEARS WAS JUST {$4200.00} IN PRINCIPAL AND {$66000.00} IN INTEREST PAYMENTS. THEN YOU SWITCHED THAT OUT AND GAVE ME A LOAN FOR {$240000.00}. THAT WAS JUST A ONLY INTEREST LOAN. AND WAS A VIOLATION OF THE FAIR LENDING ACT. VA LOANS ARE NOT JUST INTEREST-ONLY LOANS AND THE PRINCIPAL IS SUBJECT AFTER 5 YEARS TO A ANNUAL DECREASE OF THE LOAN. MY LAWYER IS TELLING ME THAT I PUT THE MONTHLY PAYMENTS INTO AN ACCOUNT AT MY BANK TILL THIS ISSUE IS SETTLED, CAUSE RIGHT NOW I DO NOT KNOW WHERE MY PAYMENTS ARE GOING. CAUSE THIS FORGED BANK STATEMENT YOU HAVE THE INTEREST RATE AS 3.750 % BUT A DOCUMENT THAT MY LAWYER HAVE FROM A REALTOR HAS 5.125 % AND ON THE 2008 LOAN THE INTEREST IS 6.125 %. I SHOULD HAVE HAD SOME LIENS ON THIS LOAN BUT YOU CAN`T PUT LIENS ON XXXX XXXXOR VA LOAN ESPECIALLY VA XXXX
Product: Checking or savings account

On XX/XX/XXXX I reviewed an email from TD bank thanking me for opening a TD Essential Banking with account number XXXX. I immediately called them and told them I did not open an account with them. They told me they closed the account and would be sending me a letter with information about the case. The FTC requested the letter as part of a possible identity theft case. After a month I called them again on XXXX  XXXX after I had not received a letter. They told me they sent it to an address on file which was an old address and not the one I gave them originally. I was told that they didn't sent it to the XXXX cause they have to send it to the one on file cause of fraud issues. I gave then the correct address again and was told it would take about XXXX days. I never received it so I called again on XXXX XXXX stating the same thing and they said they sometimes just don't send them out. I was informed they would be telling their fraud department to send me another one within XXXX days. A day later I sent out a letter to TD bank using the FTC template provided and mailed them regarding the same info. As of filing this complaint XXXX weeks later I have yet to receive any information regarding this incident.
Product: Credit reporting, credit repair services, or other personal consumer reports

The trouble with EXPERIAN is that I have been trying multiple times for over one year to have certain things removed off my credit report and might I add I am seemingly having problems in my physical life with things going on from the location this company is from, meaning their state of TEXAS. I have asked numerous times for them to update my address to the current address is now and to please please please remove the old addresses such as XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX NV   XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX. I am sick and tired of seeing these addresses especially since I have had the utmost problems with these two addresses when I lived there. Such as ppl coming into my home unauthorized, stealing my personal documents, using my clothing, destroying my clothing, using my home as if they pay rent there when I'm gone and so forth on. Now they want me to mail not upload my information to them but mail my personal documents to them, like ssn, ut. bill and copy of my current id. They refused my upload, which would be safer. Then they refused my online dispute with XXXX XXXX, this company is on my BKXXXX discharged XX/XX/XXXX, why are they still viewed after multiple request to remove off my credit report. XXXX XXXX is another one on BKXXXX doing the same things, look there information up and they are located in TEXAS. What is the deal with TEXAS on me. Another one, XXXX XXXX/XXXX saying I owe them over {$300.00} off a promotional device for {$100.00} and where they located in, TEXAS. XXXX XXXX XXXX XXXX XXXX, I wish this weekly who is right across the street from my old refuse to leave my credit report address of XXXX XXXX XXXX XXXX XXXX XXXX, XXXX NV XXXX address, saying I owe them {$160.00} on a pre-paid rental I already paid for, I admit my ck was a day or two late but not a weeks worth. I have been trying to remove these ppl for over a year and not to mention when I did try to remove them I was somehow removed out of my prior address of XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX NV XXXX address after 1yr and 1/2 almost  when I was cleaning my credit only to be bounced out into a XXXX awful motel for two weeks into my current address who is constantly turning my power off/on, water off/on and ac/heat off/on multiple times since I've been there XX/XX/XXXX. I use energy asst and guess what they did, took it and put it on the XXXX XXXX address while I am in the XXXX address.
Product: Checking or savings account

I submitted Dispute for unauthorized transactions totaling almost {$2000.00} not sure of the exact amount because my account is locked and wasn't sent an email regarding the disputes.Two of my Jobs Payroll checks are locked in the account and unable to access plus the transactions listed in the Case # XXXXI filed the Disputes for the Unauthorized transactions to Credit Karma on XX/XX/2022. My account was locked XXXX XXXX and it's XX/XX/2022 and still yet to receive any Updates or Provisional Credit I was promised.When I reach out they send the same Automated Emails that is posted in the Picture section.They won't give me an update or Tell me how long usually cases are reviewed it's past 30+ days and still no updates. I have received emails from Merchants that the Unauthorized transactions were made, and charge back has been successful and Credit Karma still refuses to give me an Update on the Case or any provisional credit for case # XXXXIve been patient it's been over 30+days and have yet to receive an Update or Provisional Credit for the Unauthorized transactions. No Credit Karma representative or supervisor is able to help they tell me they can't handle the Situation and to send email to Credit Karma dispute team that sends an Automated Email back and no real Response saying the case is still under Review.
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. 

XXXX XXXX XXXX XXXX Account # : XXXX On Experian, the payment history shows on this account as follows : XX/XX/XXXX : Past Due XXXX  Days XX/XX/XXXX : Past Due XXXX  Days XX/XX/XXXX : Past Due XXXX  Days XX/XX/XXXX : Past Due XXXX  Days Whereas XXXX and XXXX Credit Report are not reporting this account at all. 

The consumer reporting agencies need to report all information with complete accuracy. This account are being reporting inconsistently across credit report which violates the Fair Credit Reporting Act. I've attached a copy of my report to this complaint. I am now requesting you to investigate this account and update these payments to paid on time on all credit reports or remove the account entirely immediately! 

Thank you for your understanding and prompt action.
Product: Debt collection

I received a summons regarding a debt oved from XXXX for {$7.00} and from XXXX/XXXX/XXXX for {$150.00}. I was never served with the original summons in XXXX so had no way to dispute it then. We I asked CBS for a copy of the original summons they provided XXXX & put a note with it that the original summons for XXXX was not 2 checks but 1 check and a debt. I have attached 10 pages from all of the correspondence with CBS & the court. I tried filing a few minutes ago but after I got all done there was an error.
Product: Checking or savings account

XX/XX/XXXX Unauthorized ( stolen ) Funds from a Bank of West Business Savings Account Electronic DBT XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX CCD XX/XX/XXXX Reported fraud to Bank of West banker who filed a claim fraud XX/XX/XXXX Bank of West officially transitioned to BMO ( sale of B of W occurred in XXXX ) B of W banker had to learn new BMO procedures and refiled the claim of fraud under BMO No response from BMO We were asked to give BMO a little time because of the big transition. 
XX/XX/XXXX No response from BMO. Decided to reach out to the recipient of the stolen funds.. 
XXXX XXXX XXXX XXXX who confirmed that their client who is currently incarcerated commited the fraud. They will try to talk to their client but theres not much that they can do. 
Late XX/XX/XXXX Banker called to say BMO denied the claim XX/XX/XXXX Emailed BMO claims who confirmed that the case is closed XX/XX/XXXX Emailed BMO claims who said that they will reach out to the counterpart bank, XXXX XXXX No response from BMO or XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted the attached to Equifax on XX/XX/10 via certified mail. I have not recieved any response I reviewed my Consumer Reports and noticed that I had payments on several accounts that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : ( Enter Account Name ) : ( Enter Account Number ) Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks,
Product: Credit reporting or other personal consumer reports

This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXXXXXX XXXX XXXXXXXX, NC, XXXX XXXX XXXXXXXX Balance : $ XXXX XXXX XXXX XXXX XXXX Balance : {$9300.00} XXXX  XX/XX/year> XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report on XX/XX/2021 to find that Experian willfully failed to comply with requirements imposed under the FCRA. The FCRA 's purpose pursuant to 15 US Code 1681a ( 4 ) is to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. I have been violated and abused under this notion. I am aware and have provided proof to Experian which was mailed on XX/XX/2021, received and signed for onXX/XX/2021 certified with a return receipt that they are in violation of 15 US Code1681n ( B ) which states that 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

I am a victim of identity fraud and a scam. My account is in the negative not due to my fault. When I told the bank I need them to close the account they said no. There are exposing me to future losses and future identity fraud.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against equifax for failing to properly investigate disputes regarding inaccuracies in my credit report. Despite my submissions, equifax consistently responded within 24 hours stating that the account is accurate, without providing any evidence of a thorough investigation. The practice violates the Fair Credit reporting Act ( FCRA ), 15 U.S.C 556 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative procedding ( file, No. 2025-CFPB-0002 ) against the for similar violations. I request that the CFPB take action to ensure Equifax complies with the federal law and provides consumers with the necessary proof of investigation. XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX
Product: Payday loan

Took out a, loan of {$550.00}, payments automatically taken from my XXXX card for {$100.00} on the XXXX and XXXX of each month. Interest rate is % XXXX totalling XXXX being paid back on a {$550.00} loan. I have since lost my job.
Product: Credit reporting or other personal consumer reports

I received NOTHING. Not even an update acknowledging a dispute in progress notification or results, only that in 3 days I called they stated info was verified as accurate reporting. The investigation properly shouldve taken more than 3-5 days. Per FCRA the credit bureaus are to fully investigate each and every dispute, 15 U.S.C 1681.
Product: Mortgage

I currently have a mortgage with Freedom mortgage company at 4 3/8 % I applied for a new 30year loan at 2.50 % which would save me $ 500 monthly ( I'm XXXX and retired ) in 8 years with them i have never missed a payment or a property tax payment, credit rating over XXXX. 
I currently receive income of {$2100.00} social security, {$1000.00} ira withdrawal, {$1000.00} farm income, {$110.00} ira check. A new mortgage payment would be {$900.00} and I have taken advantage of deferring my property taxes because of my age. I dont have a car payment. Freedom says I dont qualify to refinance, I definitely feel like they are discriminating due to my age. 
They have do far refused to give me anything in writing as to why they have turned me down. 
I definitely need your help to stop this practice of age discrimination. Please reach out to Freedom and demand reversal of this discrimination policy
Product: Credit reporting or other personal consumer reports

I am writing to report a violation of the Fair Debt Collection Practices Act ( FDCPA ) by NATIONAL CREDIT SYSTEM, who failed to provide verification of a disputed debt and continued collection efforts without supplying the required verification. as Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ) 809 ( b ), I dispatched a certified mail dispute letter to NATIONAL CREDIT SYSTEM on XX/XX/2023, within the XXXX-day validation window, demanding verification of the alleged debt. This action was taken to formally contest the legitimacy of the debt and to seek definitive proof to substantiate their claims. A copy of the dispute letter and the certified mail receipt, affirming its delivery, are consolidated in Attachment. Contrary to the mandates of FDCPA 809 ( b ), which necessitates the cessation of collection activities until the debt is verified, NATIONAL CREDIT SYSTEM has not provided the requisite verification as of XX/XX/2023 and has perpetuated their collection endeavors, inclusive of validating the debt with XXXX without validating the debt with me on XXXX witch is a clear violation of 15 U.S.C. 1692g ( b ) Validation of Debts which states : " If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. 

This non-compliance has engendered my process of getting funds for my business or any type of help credit wise and precipitated significant emotional distress, a byproduct of the unwarranted and legally nonconforming collection attempts
Product: Credit reporting, credit repair services, or other personal consumer reports

Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments and I am writing to request XXXX BUREAU the method of verification for disputes In accordance with FCRA, I am requesting this information to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00}
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of A credit card account opened XXXX XXXX  on XX/XX/XXXX under the account number ( private ), a credit card at XXXX XXXX XXXX XXXX on XX/XX/XXXX under the account number ( private ), XXXXXXXX XXXX on XX/XX/XXXX under the account number ( private ), XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX Under the account number ( private ), XXXX XXXXXXXX XXXX on XX/XX/XXXX under the account number ( private ). These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. 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 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: Credit reporting or other personal consumer reports

XXXX XXXX XXXX {$62.00} THIS ACCOUNT WAS RECENTLY inserted to my credit with no notificaiton, no mail, no notice, i have no knolwedge of this account, clearly theres an error with data. Im asking for an immediate removal of item from my report.
Product: Credit reporting or other personal consumer reports

There are some inconsistencies with account XXXX  # XXXX The Date opened states XX/XX/XXXX which is incorrect. The date opened for this account is XX/XX/XXXX. Please correct this as according to the FCRA my credit report should be 100 % accurate. 
It also states that I was 30 days late XX/XX/XXXX & 60 days late XX/XX/XXXX. 
I have never been late on this account since opened. Pursuant to 15 USC 1666b a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. The account above was never late and should be listed as current for the months listed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called capital one on serveral occasions telling them im a victim of indentity theft & my Info was used fraudulently to opened an capital one account and its showing a remark of bankruptcy which I have never filed.
Product: Mortgage

Applied for a home refinance with my current lender BofA XXXX 2015 and due to gaps in their process my credit report expired and at some point reran my credit and are now refusing to proceed with the loan, since XXXX of our credit scores is XXXX and their minimum threshold is XXXX. The delay in getting this done in an appropriate amount of time was due to documented and admitted gaps in BofA 's processes. I have emails with approval from their senior management stating loan is approved. I have a good faith statement that they sent to after they had rerun credit and knew it was below XXXX because they said would proceed with the loan due to their delays in the process. Now 6 months later I get a call stating that some committee is not approving my loan with since not at XXXX credit score. This leaves me and my family in a very precarious financial situation since the intent of the refinance was to combine a XXXX and a XXXX and credit card debts to make our monthly payment more affordable and which they had agreed to do and kept us engaged with requiring information again and again and promising that it would get done, which is all we want. See attached documents and approvals.
Product: Credit reporting

suspicion of identity fraud, from " mother " XXXX XXXX, Police report in progress
Product: Bank account or service

I opened a checking and saving account at TD Bank. The banker told me as long as I have {$100.00} balance in my account. It 's free, there will not be any monthly charges. Last week, I received my first paper statement. It shows {$1.00} paper statement fee. This was never mentioned to me before. To find out where exactly they listed this {$1.00} paper statement fee, I logged into my online account at TD Bank web site. You have to go to " Online Statement Setting '', then scroll down all the way to the bottom of this page and click open a PDF file called Personal Fee Schedule for this. I think it 's very unfair and misleading to customers. Probably many of the TD Bank customers like me have been charged {$1.00} for this.