23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

My mortgage closed on XX/XX/XXXX and subsequently sold to Amerihome. Because it was a newly built home, taxes were not yet determined so the initial escrow payments were higher than they should have been. I understood this and accepted the higher escrow payments, knowing I would be getting any overpayments back. 

In XXXX XXXX, an escrow analysis was completed and a refund over {$3000.00} was received. 

On XX/XX/XXXX, my escrow was again over funded by over {$4000.00} so I contacted Amerihome via email to request an analysis as per their instructions. At that point, all bills for the year had been received so all payments were known. Amerihome responded, telling me that I had to hand write a letter requesting an escrow analysis and provide all documentation. They had the documentation in their system and it made no sense as to why a hand written letter was required, other than to give me the run around. When I explained that under the law, they were required to perform and analysis, the response was that it is their policy to require a hand written letter before performing an escrow analysis. 

I am asking for assistance for the quick return of my excess escrow balance and an escrow analysis to be performed in order to align my payments to my actual bills. 

My mortgage payments have always been on time and my account is up to date. 

Thank you!
Product: Debt collection

I have been a victim of fraud. Several credit/loan accounts have been opened in my name. Including accounts for XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX ( XXXX Card ), 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, several Payday Loans, Installment Loans and Checking and Savings with XXXX XXXX. The bank account these were maintained through was fraudulently opened through several prepaid debit card accounts and a XXXX XXXX account and XXXX Bank Account. The bank account these were maintained through was fraudulently opened through several prepaid debit card accounts and a XXXX XXXX account and XXXX Bank Account. My mail had also been intercepted by the perpetrators for over two years. ANY good that were shipped and bought with ANY of those accounts I DID NOT Receive. Several Payments were made to keep accounts looking good while maxed out so I DID NOT find out about the accounts until much later and the damage had been done. The prepaid bank accounts, XXXX and XXXX accounts that made payments on these alleged accounts was opened and funded fraudulently.
Product: Mortgage

On my XXXX XXXX Mortgage Statement, I had a charge of {$18.00} for taking photos of my home. I have never seen that, so I turned the statement over and it stated that photos are taken of your home is your home is in default. PROBLEM! MY HOME IS NOT IN DEFAULT NOR HAVE I EVER MISSED A PAYMENT. I looked into my account online and it was noted that the transactions of {$18.00} occurred twice. I never received a phone call or email from the company regarding the mistake, only the that someone from Bank of Texas has been in my account twice.
Product: Debt collection

I had a XXXX XXXX card thru XXXX. I became late and it was in charge off. I worked out and agreement for a XXXX percent settlement with XXXX with 36 payments. I paid 140 monthly for 36 months but the last payment was during covid and they agreed to break that remaining portion into smaller 40 payments because of job lose during covid shutdowns. I paid the amounts and XXXX was waiting the remaining XXXX on the account and said it was in good order. They then apparently sold the amount they waived off to portfolio debt buyers and they have refused to verify the remaining debt is mine. They only send a old copy of the statement from when I was still repaying the settlement and a letter that says they bought the debt. The remaining XXXX was to have been forgiven as the agreement was I pay XXXX percent of the balance and XXXX would report the account as payed as agreed on the credit report. Instead they sold the remaining XXXX and won't fix the issue.
Product: Debt collection

Dear Southwest Credit Systems, I am writing to formally request validation of the debt referenced above, pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. I do not recognize this debt and require proof that I am legally obligated to pay it. Specifically, I request the following information : The amount of the debt : Please provide a complete breakdown, including any interest or fees. 
The name of the original creditor : Identify the original creditor, along with any documentation showing the transfer of the debt to your agency. 
Proof that you are legally authorized to collect this debt : Provide documentation demonstrating that you have the right to collect this debt on behalf of the original creditor.

Verification that the debt belongs to me : Include any signed agreements or contracts that clearly show I am responsible for this debt.

Under the FDCPA, I am entitled to receive this information before any further collection activity takes place. Additionally, until this debt is properly validated, I ask that you cease all collection efforts, including reporting this debt to any credit reporting agencies, as doing so without validation is a violation of federal law. 

Please consider this a dispute of the validity of the debt, and do not contact me further regarding this matter unless and until you provide the requested validation. Failure to validate this debt will be interpreted as your inability to provide proof of my obligation to pay, and I will consider the matter closed. 

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

I want to remove all closes out accounts from all three credit barrels.
Product: Credit reporting or other personal consumer reports

I am filing this complaint against XXXX, XXXX and Experian for their failure to conduct a proper investigation and provide the required documents as required by law to properly verify the following inaccurate and misleading accounts their reporting 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXnce Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and Experian is required to conduct a reasonable and independent investigation when a consumer disputes information on their credit report. The court in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), emphasized that credit reporting agencies must go beyond mere reliance on information provided by data furnishers. This means XXXX, Experian and XXXX must take affirmative steps to ensure the information is accurate and complete. 

To meet this obligation, Experian, XXXX and XXXX must obtain original source documentation from each Collection Company Mentioned herein, including but not limited to : The original contract or agreement bearing my signature that allegedly created the debt. 

The debt purchase agreement or chain of assignment showing each Collection Company mentioned herein legal right to collect on the debt their independently reporting.

Without proper verification of these critical documents, the accounts can not be deemed accurate or verifiable. The case of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX establishes that a failure to obtain this documentation renders the account unverifiable and requires its removal from the consumer 's credit report. Therefore, if XXXX, XXXX and Experian can not obtain and review these documents as part of its investigation, the account must be deleted pursuant to the FCRA. 

XXXX, XXXX and Experian must fulfill their statutory duty under 15 U.S.C. 1681i by conducting an independent investigation and ensuring that each Collection Company mentioned herein provides proper verification of the alleged debt. Please provide me with a written response detailing the outcome of your investigation, along with copies of any documentation you relied on to verify the accuracy of these accounts. I expect a response within the time frame required by the FCRA. If Experian, XXXX and XXXX can not provide such documentation, I respectfully request the immediate removal of these accounts from my credit report.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report 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 blocking the erroneous information that is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

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 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 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
Product: Credit card or prepaid card

Chime closed my account & didnt give me my money back.
Product: Credit card or prepaid card

On XX/XX/XXXX I was redeeming rewards points on my Barclay Card Mastercard account.I was given the option to choose from several products & choose XXXX XXXX XXXX XXXX XXXX. When I placed my order I was charged a {$4.00} S & H fee for each item which I gave my card number and placed the order. I did not  order any other products, or agree to any future charges or shipments. When I received another shipment of products on XX/XX/XXXX I looked at my card account and found that my card had been charged {$85.00} on XX/XX/XXXX and XX/XX/XXXX ; as well as {$110.00} on XX/XX/XXXX and XX/XX/XXXX. I called Barclay Card and requested to dispute these charges, I was told that I needed to contact XXXX XXXX XXXX directly. When I spoke to XXXX at XXXX XXXX and explained that I did not want any of the products and that I would be returning fr a full refund, I was told that it was too late and that I had agreed to receive all products when I ordered my first product. I did not sign any agreement to receive these products and my card has been charged {$410.00} plus interest, which I am unable to pay due to my limited income and my XXXX spouse. I have returned all products to XXXX. Can you please assist with this issue. I have also logged and dispute on both companies website and received no response.
Product: Credit reporting or other personal consumer reports

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

AXXXX 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 XXXXXXXX has violated my rights. Or list of inquiries XXXX5 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card or prepaid card

Wells Fargo Home Projects Account Number : XXXX XXXX XXXX XXXX Purchased a new Air conditioner by availing an amount of XXXX XXXX=per billing cycle as of XX/XX/XXXX under a fixed installment plan of {$220.00} per month. 
The Card was issued to XXXX XXXX XXXX XXXX NJ At the time of purchase I was told it's a no interest funding as a part of the special terms extended by the bank under the arrangement extended to the customers of the subject company to attract my business. 
As of XX/XX/XXXX the balance due was shown as {$3000.00} as I have been paying my installments regularly. 
AS OF XX/XX/XXXX THE BALANCE DUE SUDDENLY INCREASED TO {$5700.00} AS THE BANK MADE AN UNAUTHORIZED INTEREST ADDITION FOR AN AMOUNT OF {$2800.00} WITHOUT MY CONSENT OR AUTHORIZATION. 
MY MONTHLY INSTALLMENT NOW IS BEING SHOWN AS MINIMUM PAYMENT DUE AND FROM NO INTEREST I AM BEING SUBJECTED TO PAY AN APR OF 28.99 %. 
PLEASE INTERVENE AND SAVE ME OF THIS HARASSMENT DURING THIS PERIOD OF HARDSHIP AND CRISIS DUE TO COVID 19.ALL OTHER BANKS ARE OFFERING RELIEF WHILE WELLS FARGO IS ACTING AS A PROFITEER. 
I AM A SENIOR CITIZEN AND FEELING HELPLESS THANKS AND REGARDS
Product: Credit reporting, credit repair services, or other personal consumer reports

Submitted disputes with XXXX, Experian, and XXXX regarding Public Record being inaccurately reported on my reports XX/XX/2022. Each bureau stated the information was verified by XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I have discovered unauthorized accounts and inquiries on my consumer report, prompting me to file a complaint with the Federal Trade Commission ( FTC ). My grievance is directed towards XXXX, Transunion, and XXXX for infringing upon my consumer rights by including these accounts in my credit report. I strongly believe that this situation exploits me, and I seek resolution. 
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
Product: Credit reporting or other personal consumer reports

I OBTAINED ANOTHER COPY OF MY CREDIT REPORT AFTER BEING ADVISED MY INFO HAS BEEN INVOLVED IN A DATA BREACH, I NOTICED MORE ACCOUNTS THAT I HAVE NO KNOWLEDGE OF HAS BEEN ADDED TO MY ACCOUNT. I CONTACTED THE CREDIT REPORTING AGENCIES BY PHONE AND CERTIFIED MAIL. I REQUESTED THAT THE ACCOUNT BE VERIFIED, AND THIS ACCOUNT IS UNVERIFIABLE BUT STILL BEING REPORTED TO MY CONSUMER PROFILE. 

I HAVE NO KNOWLEDGE OF THIS CREDITOR AND HAVE NOT GIVEN WRITTEN CONSENT FOR THIS TO BE FURNISHED WHICH IS IN VIOLATION OF 15 USC 1681. 

FURTHERMORE, REPORTING ACCOUNTS DUE TO IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2. 

REPORTING FRAUDULENT ACCOUNTS IS SEVERELY IMPACTING MY CREDIT AND THE CREDIT REPORTING AGENCIES HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY. REPORTING AN UNVERIFIED ACCOUNT IS IN VIOLATION OF 15 USC 1681 EB DUE TO THE NEGLIGENCE OF EACH BUREAU IF NOT CORRECTED WITHIN 15 BUSINESS DAYS I WILL BE SEEKING MONETARY COMPENSATION OF {$1000.00} PER VIOLATION AND LEGAL ACTION
Product: Debt collection

this company is still hustling, harassing intimidating, harming me hurting me by calling constantly and ignoring the documents delivered to them on XXXX XXXX XXXX  which shows evidence of the fraudulent opening of the account in question. the check shows 3 different writtings on it, the back has no identifying marking of were it was deposited a fake check This company and its employees opened a credit card account illegally without my consent, knowledge or express written consent. this is by far identity theft outright. they claim to be the police and they say they can arrest me if I don't pay them I told them I have NO KNOWLEDGE OF THIS ACCOUNT AT ALL. THEY SAY THAT IF I DON'T PAY THEM WITH XXXX GIFT CARDS OR WIRE THEM MONEY USING XXXX XXXX THEY WILL TELL THE WHOLE NEIGHBORHOOD THAT I OWE A DEBT. I HAVE NO KNOWLEDGE OF ANY ACCOUNT AT ALL.
Product: Credit reporting, credit repair services, or other personal consumer reports

this is reguarding a closed complaint # XXXX if clam that be thet they are having trouble to conform my identity.
Product: Credit reporting or other personal consumer reports

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

Account Name XXXX XXXX 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 XXXXccount Number : XXXX and list of Inquiries. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report, and I noticed that some of the information on my report should not be on my reports and are a violating of the law. The account ( XXXX ) with XXXX Reported : XXXX XXXX 2025 {$11000.00} XXXX XXXX XXXX Account info Account number XXXX Original creditor XXXX XXXX  BANK XXXX Balance {$640.00} XXXX updated XX/XX/year>. I never gave anyone consent or permission to sell my information which is against the law to do so the first violation that was committed was the FCRA XXXX 15USC & XXXX. They were to notify me of this in writing XXXX days prior, I was never notified as the original creditor, only I can validate this debt. Therefore, the following accounts must be deleted from my reports immediately. In accordance with the Fair Credit Reporting Act ( FCRA ) the following accounts :, has violated my rights 15USC XXXX states I have the right to privacy ,15USC XXXX Section 2 : It also states a consumer reporting agency can not furnish an account without my written consent and instructions. I am not liable for this collection they have not provided me with the original contract as I have requested several times. 15 USC XXXX ( a ) ( XXXX ) ( i ) states transactions and experiences between the consumer and the person making the report are not included in the " consumer report ''. By Law, the IRS defines a charge off accounts as cancelled debt that you have to pay taxes on meaning the charge off accounts are now earned income for me the consumer. Collections & Charge offs accounts over {$600.00} reporting to my consumer report is tax fraud. By Law companies are supposed to send me the consumer a copy of the XXXX from the accounts that has been charged off written as loss. The collection is now income by IRS law states that income can not be reported as debt. Please remove these accounts from my report this is against the law and is considered tax fraud.
Product: Debt collection

I was contacted by this collection agency via telephone and I advised them this debt was disputed as it is not mine. I 've never had an account with XXXX XXXX XXXX, XXXX and this debt is not mine. I have sent them via certified mail the documents showing his debt was a result of identity theft, but they continue to attempt collection.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the fraudulent reporting of a XXXX XXXX  XXXX ( XXXX ) account on my credit report. Not only is this account fraudulent, but it has also exceeded the maximum XXXX reporting period allowed under the FCRA. 

Violations under FCRA and FTC : The continued reporting of this fraudulent XXXX account violates the following laws : 15 U.S.C. 1681c ( a ) ( 4 ) : Accounts that are over XXXX XXXX XXXX must be excluded from credit reports. This fraudulent XXXX account is still being reported despite exceeding this statutory limit. 
15 U.S.C. 1681e ( b ) : The bureau must maintain accurate information, and the continued reporting of this outdated and fraudulent account constitutes a breach of this duty. 
15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) : XXXX is reporting inaccurate information, which is prohibited under the FCRA.

FTC Act ( 15 U.S.C. 45 ) : Reporting fraudulent information is considered a deceptive practice.
Product: Credit reporting or other personal consumer reports

The following inquiries were not authorized by me on EXPERIAN. I believe these inquiries are fraudulent. I have been dealing with a lot of stress trying to figure out what is going on. I have already submitted an XXXX  report. I have called each of these companies and none of them can provide any proof that I authorized these. They are not helping me get these removed. I am out of options at this point. I am asking you to please get these removed as soon as possible as they are all fraudulent. I am trying to buy a house and this is hurting me. Thank you! 

XXXX - XX/XX/year> 2024
Product: Credit reporting, credit repair services, or other personal consumer reports

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

Account name : XXXX XXXX Account XXXX Account name : XXXX XXXX XXXXXXXX Account XXXX : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX Account XXXX Account name : XXXX XXXX Account XXXX Account name : XXXX XXXX Account XXXX Account name : XXXX XXXX Account XXXX Account name : XXXX XXXX Account XXXX Account name : XXXX  XXXX  Account number : XXXX Account name : XXXX  Account number XXXX XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card

XXXX account ending in XXXX, opened XX/XX/year>, available credit {$3200.00}, contacted by myself XX/XX/year> for fraud XXXX account XXXX in XXXX, opened XX/XX/year>, available credit {$8400.00}, contacted by myself XX/XX/year> for fraud XXXX inquiry on credit report XX/XX/year>, phone number not accurate XXXX XXXX XXXX inquiry on credit report XX/XX/year>, no phone number listed