23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX, WI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX TN XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX Original Creditor : XXXX XXXX ) XXXX Balance : {$2300.00} ; XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to express my deep frustration and disappointment regarding the unresolved fraudulent items on my account despite multiple attempts to rectify the situation. Despite my persistent efforts and cooperation, the fraudulent charges remain unaddressed, causing undue stress and financial strain. 

This complaint serves as my fourth attempt to seek redressal for the persistent issue of unresolved fraudulent items on my account. I expect immediate attention and a comprehensive resolution to rectify the fraudulent charges without further delay. 

The continued presence of fraudulent charges on my account not only jeopardizes my financial security but also erodes my trust in your organization 's ability to safeguard customer accounts and address fraudulent activity effectively. 

In light of the above, I request the following actions to be taken promptly : Conduct a thorough investigation into the fraudulent charges and their origins. 
Immediately remove the unauthorized charges from my account and reverse any associated fees or penalties. 
Provide a detailed explanation for the delays in resolving the fraudulent activity. 
Implement additional security measures to prevent future occurrences of fraudulent charges. 
I emphasize the urgency of resolving this matter promptly to restore my confidence in your organization and ensure the security of my account. With this, I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX XXXX Balance Owed : {$10000.00} XXXX  XXXX XXXX XXXX Balance Owed : {$11000.00} XXXX XXXX XXXX XXXX Balance Owed : {$13000.00} XXXX XXXX XXXX XXXX XXXX Owed : {$37000.00} XXXXXXXX XXXX XXXXXXXX XXXX Balance Owed : {$130000.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance Owed : {$110000.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance Owed : {$57000.00} XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXXXXXX Balance Owed : {$630.00} XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXXXXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$13000.00} XXXX XXXX XXXX XXXX Balance Owed : {$37000.00} XXXX XXXX XXXX XXXX Balance Owed : {$130000.00} XXXX XXXX XXXX XXXX Balance Owed : {$110000.00} XXXX XXXX XXXX XXXX Balance Owed : {$57000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$13000.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$130000.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance Owed : {$110000.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed : {$240.00} XXXX XXXX  ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$630.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive sent in several complaints to no avail, these companies are reporting inaccurate information on my credit report and I demand that these items be removed immediately. According to the 15 USC 1692 ( 6 ) a debt collector is anyone who uses an instrumentality of interstate commerce or mails in any business the principal purpose of which is the collection of any debt directly or indirectly. I have been violated by farmers furniture who has come to my home all times of the day and have sent threatening letters to my home as well. Below I have highlighted all the inaccurate dates and the different amounts that these companies are reporting and that is harming my family and I.
Product: Payday loan, title loan, or personal loan

On XX/XX/2023 I applied for a personal loan with one main financial through credit karma. They did a hard pull on my credit. I have good credit. They then try to link to your bank to verify income. My income is sufficient by there standards however I bank at a small credit union that doesnt link with there software so my loan could not be processed. However the inquiry on my credit remained. So my credit dropped and I never had a chance at approval. It seems to me that they should disclose their process prior to inquiring on your credit. I called the company and they said they understand but there is nothing that they could do. This is a deceptive business practice. Why would I apply for a loan that because of technical reasons I would never be able to receive. The company told me to call the credit bureau and the credit bureau told me to dispute it with the company. One Main financial is using unscrupulous business practices and not operating with full transparency.
Product: Mortgage

Dear Consumer Financial Protection Bureau, I am writing to file a complaint against Flagstar Bank regarding their irresponsible handling of my escrow mortgage account. Specifically, I would like to bring to your attention the bank 's poor management of funds and the unfair financial burden they have placed on me. 

On XX/XX/2023, Flagstar Bank dispersed funds for taxes in the total amount of {$3300.00} from my escrow account. However, they failed to properly plan for the future, leaving my escrow account completely empty after the disbursement. Then, on XX/XX/2023, the bank charged me {$2500.00} for an escrow analysis, despite knowing my account was empty. To make matters worse, Flagstar Bank is now seeking reimbursement for this fee by increasing my mortgage payment by {$200.00}, which is an unfair financial burden for me. 

I have already spoken to several supervisors at Flagstar Bank, but none of them were willing to help resolve this issue. The bank 's actions have left me frustrated and financially vulnerable, and I believe their behavior is unacceptable. 

While I understand that my homeowner 's insurance increased from {$750.00} to {$870.00}, I believe that the increase of {$22.00} per month in my escrow payment is reasonable and logical, as it is a result of the increased property tax rates in my area. However, I do not believe that I should be responsible for reimbursing Flagstar Bank for its poor planning and the unnecessary escrow analysis fee. 

Thank you for your attention to this matter.
Product: Debt or credit management

I had requested a Modification of my Mortgages with same lender at the time there was a 1st and 2nd Mortgage with Select Portfolio Services. Modification was approve and processed and new mortgage payment was set. I thought everything was taken care of and all this years I have been making my payments and needed to do some home improvements and seek to Re-Finance during the process I learned that there was a outstanding balance on the Title search and it was the second mortgage it had been charged off and closed, I requested the documents for the account, SPS kept sending me information about my existing Mortgage even after requesting information on the 2nd Mortgage account number which reference my current mortgage, it took me 3 weeks to finally get the document, it was not the account documents it was a Payoff balance documents. I spoke a SPS Recovery Department Supervisor who told me that the second mortgage was not part of the modification, she could not explain why wasn't it part of the modification since it was SPS 1st and 2nd Mortgage they would be able to explain why not. I never received any notification of an outstanding balance or payment. They stated they sent notice as I stated to them if that was the case, I would have made contact with SPS asking why it was not part of the Modification? I was informed that this sounds like a Zombie Mortgage Practice which have been deemed illegal. My 2nd Mortgage balance at time of Modification was {$50000.00} the balance to payoff now is {$69000.00} a difference of {$18000.00} which includes interest and fees, I asked if the account is charged off and closed why was interested accumulated. The response was if I wanted the document it would be the payoff for the whole balance and that is all they sent me no other document about the account and stated that there isn't any other documents available for my review.
Product: Credit reporting, credit repair services, or other personal consumer reports

In response to my previous complaint the credit bureau advised that the data providers confirmed that reported info is accurate. However, they did not provide any evidence nor did they indicate when the old information will be deleted according to their records as it is over XXXX XXXX XXXX. Therefore, please re-investigate and delete the following accounts as the last payments on these accounts were made more than 7 years ago : XXXX. XXXX XXXX XXXX account XXXX XXXX. XXXX XXXX XXXX  account XXXX
Product: Debt collection

The company is called LVNV funding & gave law firm for legal judgment. They never called and if they did call it came up spam or unknown. This debt is from XXXX and never heard from anyone through the pandemic. 

Law firm is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Either XXXX XXXX  or law firm NEVER attempt to make any Financial arrangements with this old debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX. This is a formal complaint against Equifax for refusing to remove someone else 's collection account from my credit report. The account is with XXXX XXXX XXXX and actually belongs to a woman named " XXXX XXXX ''. The account number being reported is # XXXX and the original creditor of the debt is " XXXX XXXX XXXX ''. I have never lived at these apartments nor at the related address listed on their records. Ever since this XXXX when I discovered this was on my credit report, I have been fighting tooth and nail with this XXXX woman 's collection company trying to have them send me supporting documentation to validate this is really mine. They were really hard to deal with but at long last, they recently sent me a supporting document which clearly proves this is not my account. It is a move out statement which states this debt is for " XXXX '' XXXX. My name is XXXX XXXX, I am a man, not a woman. A couple of months ago, I also filed a Consumer Financial Protection complaint directly to XXXX XXXX XXXX and they kept referring to me as " XXXX XXXX XXXX. '' I am attaching that communication as well that shows they think they are talking to a woman named XXXX, not me. Most important of all, this move out statement I am attaching is from XXXX. I was living in New York in XXXX and did not move to XXXX Florida until XXXX. My only Florida addresses that should be showing up on my credit are my XXXX, NY address and then the XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX. I have never lived at the address listed on their document.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hard Credit Inquiry on XX/XX/2019 from XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed disputes with Equifax since XX/XX/2017 and I have spoken to several people at the Consumer Affairs Office who state that they were going to delete and remove these fraudulent accounts from my credit report. I have talked to XXXX as well Mrs. XXXX at Equifax office who promised to remove to remove these accounts immediately. 

The following accounts are fraudulent and need to be removed immediately : 1. XXXX XXXX XXXX   2. XXXX 3. XXXX XXXX XXXX  XXXX  4. XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records listed below. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 

XXXX XXXX XXXX XXXX XX/XX/2022 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.
Product: Student loan

I have been trying to do my recertification for income sensitive payments since XXXX. I have mail, I have faxed my proof of income 3x, plus mailed in twice, gave called navient several times. I'm on XXXX and I get one form at the first of every year stateing what amount, what day and year i will be receiving my direct deposit. I got my student loan in XXXX and every year since then I have mailed in this same yearly form. This year for some reason they will not except it. I was told again today that my letter of benefit amount will not be accepted. It has the date, the amount, the year my funds will deposited into my account. So I was told They want a letter for when I was first approved for temp XXXX clear back in XXXX.That letter will have not show my proof of income for XXXX. I don't understand why this year it's not being excepted. I'm going to be in default on my loan now because of this.I don't know what to do
Product: Checking or savings account

multiple overdraft fees that I have incurred on my accoun I believe these fees were charged unfairly due to the lagged posting of charges and credits. 

Despite having sufficient funds available at the time my transactions were authorized, I was charged overdraft fees when transactions were processed. This experience aligns with recent findings from the Consumer Financial Protection Bureau ( CFPB ) against Navy Federal Credit Union, which reported similar practices involving transactions settling with insufficient balances despite initially available funds. 

I find these practices to be unfair and detrimental to customers who manage their accounts responsibly. Therefore, I kindly request a thorough investigation into my account transactions leading to these fees. I would appreciate a detailed explanation of how these charges were applied and any corrective actions that can be taken.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear CFPB : I am contacting you with regards the reporting practices that I have been plagued with by Equifax. I have had accounts deleted and was not notified within 5 business days and when speaking with someone they told me sorry the mail is slow. Yet the date sent was far past the five business days. I need the late accounts removed as well. I have contacted the furnishers and have not replied. If I can get your assistance with this matter.
Product: Credit card or prepaid card

Discover violated my consumer rights. Case No : XXXX XXXX U.S. Code 1691 ( d ) ( 3 ) A statement of reasons meets the requirements of this section only if it contains the specific reasons for the adverse action taken. i was never sent the specific reason why i was denied access to my own credit. 

15 U.S. Code 1691 ( d ) ( 2 ) ( B ) ( i ) the applicants right to a statement of reasons within thirty days after receipt by the creditor of a request made within sixty days after such notification. I received a letter dated XX/XX/2021, this letter has no Adverse Action on it, nor was it within the 60 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX they gave me a price I paid for the first and last month and out of no where they changed the price they tried to charge my credit card for more than {$1000.00} for my credit card money that I did not have in the bank and I told them I was going to cancel and I was going to get a new insurance company cuz the price went up too much and they try to say that I owe them money I do not owe this people money because I gat a new insurance company have new insurance company and I have all the proof from the bank they try to take money that I did not have in the bank and I want to get a lawyer and take these people to court
Product: Credit reporting or other personal consumer reports

My fatherboat a car in XXXX and financed it through XXXX XXXX, my father got sick during the pandemic and lost everything financially, he had no choice but to file bankruptcy, the bankruptcy was filed XX/XX/XXXX and XXXX XX/XX/XXXX through the bankruptcy court my father requested a reaffirmation agreement which was never given to him, I was away in college and my father wanted me to keep the car, the car was originally a lease in XX/XX/XXXX and when lease was over my father bought the car outright so he financed it through XXXX XXXX  at the dealership, since I was away at college my father asked the dealer can we register the car in both names for insurance purposes and the dealer said yes no problem, so now I've graduated college and have a great job as a XXXX XXXX with a large company, I passed all background with them and took my state Exam and passed now I'm being denied appointments because the car is showing up on my credit report as charged off closed account with a balance of {$23000.00} and me as a, cosigner but when I pulled my credit reports its not on them, I never cosigned i was away at college, my father didn't request I'd be a cosigner just added to the registration, my father sent payments in which were never honored, he request come get the car, they haven't and when I asked which credit bureau they said XXXX but it's not on my XXXX, so I can possibly lose my career if this remains on my report, it's not fair to me and especially when my father tried at least 20 times since the discharge and never got a single response, but i honestly don't know if its an error because of the name or what, but I'm asking, pleading for your help, it's hard enough to come out of college and be fortunate enough to get a job and lose it because of an error on my credit report.
Product: Credit reporting or other personal consumer reports

Subject : Request for Investigation of Potential FCRA and FDCPA Violations by XXXX XXXX XXXX XXXX and Experian 's Failure to Correct Inaccurate Information To Whom It May Concern, I am writing to request an investigation into potential violations of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) by XXXX XXXX XXXX XXXX. I am also requesting an investigation into Experian 's failure to correct inaccurate information after I disputed it and provided supporting documentation.

My Experian credit report shows two collection accounts attributed to XXXX XXXX XXXX XXXX, both starting with the same partial account number : XXXX. One account reflects a balance of {$690.00}, while the other is marked as " paid. '' I believe these entries may violate the FCRA due to the following : Incomplete Account Numbers : Providing only partial account numbers hinders my ability to identify the original debts and verify their accuracy, potentially leading to confusion and inaccurate reporting. This lack of transparency may obstruct my ability to exercise my rights under the FCRA to dispute and investigate these entries.

Furthermore, the discrepancy between the two entries raises concerns about potential FDCPA violations : Misleading Information : The presence of two entries with the same partial account number, one " paid '' and the other with an
outstanding balance, creates ambiguity and may mislead me about my actual debt obligations. This could be construed as a deceptive debt collection practice.

Experian 's Failure to Correct Inaccurate Information I disputed these entries with Experian and provided documentation proving that the debt in question was paid in full. However, Experian failed to correct the inaccurate information, stating that they prioritize the information provided by the debt collector over the documentation I provided. This is a direct violation of my consumer rights under the FCRA, which mandates that credit bureaus conduct a thorough investigation and correct inaccuracies.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and XXXX Card, XXXX XXXX XXXX, and Nordstrom/TD Bank USA. The Account Opened is XXXX Card Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$5000.00}. The Account Opened is XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}. The Account Opened is Nordstrom/TD Bank USA Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$3300.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.
Product: Debt collection

On XXXX XXXX I have an account from XXXX XXXX , XXXX XXXX. XXXX XXXX XXXX, MD XXXX XXXX that showed up on XX/XX/XXXX. However this account was opened on XX/XX/XXXX ( 6 yrs, 2 mos ). 

I'm confused and do not understand how this account just showed up on my credit report I have not received any notification of this debt and have no recollection of it. 

I do not have the account number but the amount for this account is {$280.00}.
Product: Mortgage

Lender has failed to release escrow for 60 days after loan payoff. Lender originally had wrong forwarding address but has now had correct forwarding address and affidavits of non-receipt for 15 more days and has not released check. This loan was paid off XXXX/XXXX/16.