23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Towne Mortgage is increasing my mortgage company by {$560.00} per month due to a clerical error on their end. They have drained my escrow account paying XXXX XXXX XXXX. They have not once called in 2 years to let me know there was an error in the amount they were collecting from me in escrow. A customer service representative named XXXX XXXX admitted verbally on the phone that Towne Mortgage has been paying XXXX XXXX ( as we agreed in escrow ) but they were not charging me in escrow since the day they dropped our mortgage insurance ( XXXX/XXXX/XXXX ). When our mortgage insurance was dropped by XXXX XXXX at Towne, she or someone else at the company accidentally took off our home owners insurance and did not tell us. They could have caught this problem the first time they paid out our insurance and multiple times after. If we would have been aware we would have told them something was wrong. We have trusted this company with our loan and escrow and never once gave consent for our escrow to be altered since buying our home in XXXX. The most suspicious aspect is the fact Towne has been paying out XXXX, but not charging us. This shows that they are unorganized and made the mistake. It seems pretty simple for them to find this error since they have paid XXXX multiple times. Instead they send us a new bill of almost {$600.00} increase with no explanation. I had to call multiple times and finally was told by XXXX XXXX that " it was an error on [ their ] end. '' We can not afford to pay an extra {$600.00} a month for an entire year. We would like to pay no more than {$200.00} a month until the debt THEY created by THEIR error is paid off. We have never missed a payment and have trusted Towne with our loan and financial asset. I would like for this to never happen to anyone else, but fear this company is so disorganized, they could let an error like this happen for almost two years. Please help.
Product: Vehicle loan or lease

Received an alert today XX/XX/XXXX XXXX increase on car loan. Spoke to rep she said I have a daily rate that has to be paid. I said my payment t is not due till the XX/XX/XXXX and I was granted the approval from XX/XX/XXXX to XX/XX/XXXX. She said I dont have a 10 day late fee policy I have a daily late fee and I signed for it. I told her I never signed anything stating I would pay a daily late fee for nothing. I purchased my car XXXX XXXX XXXX XX/XX/XXXX and have ever been late. This is Usuary!!!!!! 
Not only did they grant me a extension to make my car payment a certain date now the have added a loan increase of XXXX just reported to credit bureaus. I want this loan released from them or refinance the right way.
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 XXXXXXXX XXXX XXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX Account 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, credit repair services, or other personal consumer reports

I hope this message finds you well. I am submitting this XXXX CFPB complaint to urgently seek assistance to the Equifax XXXX regarding an unauthorized inquiry that has not been removed from my Equifax credit report. I have already lodged XXXX complaints with the CFPB, and despite XXXX and XXXX promptly addressing and removing all unauthorized inquiries from my credit file, Equifax has yet to take action on this matter. On XX/XX/2023, I sent a letter to your office requesting the removal and blocking of the unauthorized inquiry mentioned below. However, to this date, I have not received any response, and regrettably, the same unauthorized inquiry remains in my most recent credit report. 
EQUIFAX : XXXX XX/XX/2023
Product: Debt collection

I am supposed to be informed per the FCRA before any trade is listed on my file. No paperwork for was provided to me at my CORRECT address nor did I receive phone communication prior to this illegal trade being put on my file.This is illegal and infringes on my rights! This fraudulent charge is hurting my credit report. Remove this fraudulent trade on all CRAs ASAP!
Product: Credit reporting or other personal consumer reports

I sent a letter requesting that this item is removed from my credit file. The item in question is Capital one Auto Finance, for an automobile. I sent a letter to the finance company, and I also sent a request to the the credit reporting agency XXXX. This item is listed as a charge off, for {$13000.00}. It is also, reporting separately as discharged through a bankruptcy. The internal Revenue Service, defines a charged of debt over {$600.00} as cancelled debt. You have to pay taxes on cancelled debt, because it turns into income. This financial institution never sent me a cancellation of debt form to file. It was never mailed to me, or discussed over the telephone regarding this account. A cancellation of debt turns into income, when reported on a tax return. Income is not reported in a consumer report. A charged off account over {$600.00} reporting to my consumer report is Tax Fraud. I never received a cancellation of debt form to file. According to US Code 1681 ( e ) subsection ( b ), whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assume maximum possible accuracy of the information, concerning the individual about whom the report relates to.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XX/XX/year> This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX 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. 

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.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I contacted U.S Bank because due to the COVID-19 pandemic I was going to need additional time in paying my car payment in the amount of {$620.00}. 
After waiting on hold for nearly two hours the representative instructed me that the payments would be placed into a forbearance period for 30 days and this would not cause a late being placed being on any of my ( 3 ) credit reports.On XX/XX/2020 I discovered that U.S Bank  notified all 3 credit bureaus that i was late on my XXXX car payment. After seeing what U.S Bank did in error I immediately contacted U.S Bank and initiated a dispute.On XX/XX/2020 I contacted them again to discover the findings of the dispute I initiated and i was instructed by a customer service representative that my dispute was denied when i asked for a reason or explanation they instructed me that they do not provide a reason or explanation for their denials.
Product: Credit reporting, credit repair services, or other personal consumer reports

See attatched XX/XX/XXXX Equifax Letter Re : XXXX XXXX & XXXX States if I have more infomation. Equifax PLEASE RESPOND TO CFPB XXXX submitted XX/XX/XXXX. See numerous open complaints unanswered. See attatched MORE New Information Provided XXXX leter XX/XX/XXXX CONFIRMATION OF SETTLEMENT card ending XXXX A VISA/ MTR card DEBT XX/XX/XXXX. 
This Debt became a Visa card XXXX TWO YEARS LATER is now account # XXXX See attatched Equifax Credit Report. see attatched MASTER ACCOUNT XXXX XXXX XXXX CANCELATION OF DEBT XX/XX/XXXX. This is now account?? XXXX XXXX attatched Report. Date opened XX/XX/XXXX?? " VERIFIED '' AS TRANSFERED/ Sold ** " What Method of Verification was used. This account settled XX/XX/XXXX. HOW COULD THIS BE " VERIFIED '' XXXX PLAYS A NUMBERS GAME. Visa begins with a ( 4 ) and MSTR begins with ( 5 ) Who " VERIFIED '' this AS ACCURATE? XXXX??? ACCOUNT NUMBERS.??? NOT ACCURATE. I DID NOT OPEN THE VISA CARD XXXX IS COLLECTING ON. XXXX made an UNAUTHORIZED PAYMENT XX/XX/XXXX DEBT COLLECTION ON SOCIAL SECURITY FUNDS PROHIBITED BY FEDERAL LAW. SS ACT SECT 207. XXXX IS IN VIOLATION OF FEDERAL LAWS.
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.

I told Experian, XXXX, and XXXX to reinvestigate these inquiry accounts : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, EXPERIAN XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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: Money transfer, virtual currency, or money service

On XX/XX/year>, I was contacted by a spoof number which was labeled as XXXXXXXX XXXX. This scam I was apart of was horrible and I was stolen money, They managed to get into my account while on the phone with me sending real messages through XXXXXXXX XXXX and were able to freeze my password and then, Told me go onto cash app and follow instructions because they said that they were opening loans and credit cards and they needed a transfer of XXXX to deal with the credit. They added a car took from my account and then withdrew it from my account. I contacted cash and and they denied my submission, I have call logs and messages from the spoof number and I was hacked into and was took XXXX dollers. I want this settled and because cash wont dont anything about people getting into my account and stealing money!
Product: Credit reporting or other personal consumer reports

On or about XX/XX/XXXX XXXX and TransUnion were sent disputes via Certified Mail ( see attached ). In dispute were the following inquires : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion - XXXX XXXX XXXX XXXX XXXXXXXX PA XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXXI - XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX CARD - XX/XX/XXXX According to Law 15 U.S.C. 1681-1681x and FCRA 623 ( b ) ( 1 ) as well as Furnisher Rule 660.4 ( a ) these inquires should have been remove within a strict time frame. It has now been 117 days without action or notice.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the validity of the debt you claim I owe. You have violated the Fair Debt Collection Practices Act ( FDCPA ) in several ways. 

Specifically, you have : Used abusive or deceptive means to collect a debt. This includes using obscene language or making threats of XXXX or arrest. 
Communicated with me at an inconvenient time or place. This includes calling me before XXXX XX/XX/XXXX. or after XXXXXX/XX/XXXX. or calling me at work when I am not allowed to receive personal calls. 
Failed to provide me with validation of the debt. This includes failing to send me a written notice of the debt that includes the amount of the debt, the name of the original creditor, and the date of the last payment. 
Communicated with me about the debt after I have notified you in writing that I do not wish to be contacted. 
I demand that you cease all communication with me about this debt immediately. I also demand that you delete any and all records of this debt from your files. 

If you do not comply with my demands within 14 days, I will take legal action against you
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting or charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

On   XXXX   XXXX   XXXX     there was an inquiry turned in to the credit bureau for me applying for a   XXXX   XXXX   account. I did not authorize or attempt to apply for   XXXX   XXXX   at any time ever. I submitted a dispute via   XXXX   XXXX   but have n't heard back. There was also a charge from   XXXX   XXXX   for  XXXX  which was not me and I 've ask for them to pull the video to prove my case and this was over 3 years ago. Also,   XXXX   XXXX   XXXX   keeps transferring a   XXXX   dollar Invoice via different collections to keep a 7 year debt on my record they promised to delete since I have their service now. Same thing with   XXXX   XXXX   for   XXXX    XXXX   or so. I switched to a new provider. I have ID relief from the gov't because my identity was compromised per stolen records from the military. Please help to clear my credit.
Product: Credit reporting or other personal consumer reports

Account information : Original Creditor-XXXX XXXX XXXX XXXX Account # ( s ) - XXXX ( XXXX ), Equifax ( XXXX ) According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy. '' Equifax and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' XXXX XXXX XXXX is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' XXXX XXXX XXXX, the financial institution and the Consumer reporting agencies Equifax and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to Equifax, XXXX, XXXX XXXX XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' XXXX XXXX XXXX never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. Equifax and XXXX are not maintaining reasonable procedures. Not only have they violated the Fair Credit Reporting Act, they also violated the Privacy Act of 1974 under 5 U.S. Code 552a.
Product: Debt collection

Good Afternoon, To whomever reads this, I need some help with about a dispute that I am falsely being accused of owing to an allotment company called Transworld Inc. There company claims that I own them for a bill of XXXX dollars since XXXX from a claim from a XXXX  energy company called XXXX to which their claimed money from me in XX/XX/XXXX. But the problem with that is never used either of these companies in my life ; especially since Ive never rent, owned, or stay in a place with a utility bill in my life as of right now. And during that claim, I was stationed and living in XXXX, XXXX  at the time of the original bill. I keep trying to dispute this claim to the credit company, but I am consistently not getting an answer to my problem or to even getting this problem resolved. This current discrepancy has brought my credit score from XXXX to XXXX, and at this current rate, this problem will grow to be more damage that what its worth. Please as much as you can. 

Very Sincerely, XXXX XXXX XXXX
Product: Mortgage

For the past 6 months, we have received notifications from TIAA Bank that holds our adjustable mortgage, that our loan would expire on XXXX XXXX, XXXX. We have received notices dated XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

In each notice, it clearly states the following : Rate Limit : your rate can not go higher than 8.00000 % over the life of the loan. Your periodic rate may change every 12 months by an increase of no more than 2.00000 % or a decrease of no more than 2.00000 %. 

Since we had an adjustable rate of 3 % and each letter clearly states the above information, we think it is logical that the rate can not increase more than 2 % every 12 months. 

Today ( XX/XX/XXXX ), we called TIAA bank, and they informed us that our new rate will adjust to 8 % on XXXX first from original 3 %. 

The friendly TIAA representative explained that the wording can be confusing, and we are not the first ones to question this. She also indicated that this was a problem of 'semantics '. She put us on hold for 5 minutes to pull our original loan documents from XXXX years ago. Over the phone, she read the document saying that the first rate reset can be no more than 5 % and thereafter no more than 2 %. We feel we are being misled by multiple letters from XXXX, XXXX, and XX/XX/XXXX where there is no mention that the first rate increase can be up to 5 %. We find this misleading and that the bank is trying to take advantage of its customers by not clearly spelling out the terms. 

It is also important to note that the bank is currently undergoing a merger with another institution, which may be why they are more concerned with semantics for the merger than their customers. Also, we received a letter from TIAA Bank on XX/XX/XXXX that the company was transitioning away from the LIBOR Index for our mortgage and that we would receive notification around XX/XX/XXXX with the new index to determine future interest rate. Nothing was ever sent to us.
Product: Credit reporting or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$4100.00} ; XXXX XXXXXXXX Balance : {$350.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1400.00} ; MXXXX XXXXXXXX Balance XXXX {$9700.00}.