23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I received an annual escrow account disclosure statement in the mail from Village Capital Investment, LLC ( VCI ) with an analysis date of XX/XX/year> informing me that I will be receiving a surplus of {$4000.00} via check. The escrow surplus summary states " Village Capital Investment, LLC will refund this surplus by check within 30 days, provided your loan is current. ". Per the Real Estate Settlement Procedures Act ( RESPA ), mortgage holders are required to return an escrow surplus to the borrower within 30 days after the competition of the annual escrow account analysis. The online banking portal for VCI shows a disbursement from my escrow account on XX/XX/year>, 31 days after my annual escrow account analysis date. 

I would like to note that the automated phone message for VCI prior to being connected to a representative states ALL calls are recorded. After seeing the disbursement from my escrow account, I called VCI to inquire on how long the check would take to arrive and I was told to give it up to two weeks from the disbursement date. Per that information, the check should have arrived by XX/XX/year>. 

On the morning of XX/XX/year>, called VCI to inquire on the status of the disbursement. Before the representative I was connected to hung up on me, I was told that they were able to see on their end that another check was mailed out on XX/XX/year> but was unable to provide me a tracking number or reason on why the checks are being mailed past the 30 days allotted by RESPA. It has now been 46 days since my annual escrow account analysis as of XX/XX/year>. 

It is unjust for mortgage holders to impose late fees on borrowers while they fail to return an escrow surplus in a timely manner with no repercussions on their end. These are funds my partner and I have been waiting for and are in need of given our current financial situation. Any help with the matter would be greatly appreciated, thank you.
Product: Credit reporting

A Public Record Information is reporting on my credit reports and I am contesting that it is inaccurate in its filing. My case was dismissed and my understanding is that the term " Dismissed '' means that it is adjudicated by the law. My case concerned no form of solvency, nothing was placed under conservancy, examinership, liquidation or provisional debt reconstruction. There were no exemptions, no surrender of any kind as stated within the regulations of the BAPCPA " Means Test ''. The credit bureaus have retrieve my information from a third party entity without my authorization. I am entitled by law to have full information of the entity that was contracted to use my information. This derogatory is holding my identity and credit under " Consumer Lock '' for 10 years. I have approached the Bankruptcy Court where they claimed they verified, however, the BK Clerk of Courts has confirmed that they did not verify. I am requesting to have the CFPB advocate for me in this challenge.
Product: Credit reporting or other personal consumer reports

I am filing this complaint regarding unauthorized and inaccurate inquiries on my credit report from the following companies : XXXX XXXX, XXXX, XXXX, XX/XX/XXXX XXXX, XXXX, XX/XX/XXXX XXXX XXXX XXXX, XX/XX/XXXX Capital XXXX, Via Dealer, XX/XX/XXXX XXXX, XXXX, XX/XX/XXXX Community Capital, XX/XX/XXXX XXXX XXXX, XXXX, XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX, XX/XX/XXXX Capital XXXX, Via Dealer, XX/XX/XXXX XXXX XXXX, XX/XX/XXXX Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 and 1681c, inaccurate or unverifiable inquiries must be removed from my credit report. These inquiries were not authorized by me, and they continue to negatively impact my credit. I request immediate removal of these inquiries as required by law
Product: Debt collection

My Social Was Used For Somebody To Get An Apartment .. It Was Removed From Credit But Still Shows On XX/XX/XXXX
Product: Debt collection

COMPANY FILED IMPROPER LAWSUIT, ORDER FOR POSSESSION WAS OBTAINED BUT NO ORDER FOR MONEY OWED. THEY HAVE THREATENED GARNISHMENT AND HAVE NOT RESPONDED TO REPEATED ATTEMPTS FOR VALIDATION OF THE DEBT. NEVER RECEIVED PROPER NOTIFICATION OF COURT SUMMONS AND THEY SEIZED PROPERTY ( INCLUDING 2 DOGS ) WITHOUT CONSENT AND REFUSED TO RELINQUISH LOCATION OF ANIMALS/PROPERTY WHEN REQUESTED.
Product: Debt collection

a lawsuit was filed against me in a state i never lived in and never signed paperwork in i was married it was in our divorce decree that ex was to take over all debts on auto and refinance ex did not do that, the XXXX XXXX XXXX hired a attorneys in Ohio to handle the loan debt, the Law firm filed a suit on me with a false address In OH In XX/XX/2020 the law firm used an address that i never lived at nor that i know of, I have lived in Indiana for XXXX yrs. I was never served.
Product: Debt collection

Receive XXXX calls a day from an unknown number. Picked up to ask for them to leave a message with a call back number. They said they would not do that. Continue to call me while at work XXXX times a day and leave no message or contact information. Once again asked for them to leave information so I can call them back when I am not at work. Once again said they would n't.
Product: Credit reporting, credit repair services, or other personal consumer reports

Back in XX/XX/XXXX, I reached out to Equifax about an account ( XXXX XXXX ) thats still reporting on my credit repot when it was suppose to be removed in XX/XX/XXXX after payment. Equifax still hasn't removed the account. I reached out to the company ( XXXX  ) that reported the account and they said they sent over the information to Equifax to have the account removed and its still reporting on my account as of today. I want this account removed immediately as it is affecting my score and chance of being a homeowner.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was summoned and required to answer a complaint on XX/XX/2023 for a repayment of XXXX. I do not owe that amount. This is incorrect information. I responded for them to give proof of these purchases being made by me. On XX/XX/2023 I received an email from a company XXXX  asking for payment of XXXX dollars. I called them and they proceeded to inform me of a loan over XXXX dollars this is incorrect.
Product: Credit reporting, credit repair services, or other personal consumer reports

Have submitted ALL required documentation to report & block ( remove ) accounts that where reported as identity theft. Ive submitted : - a letter notifying bureau of identity theft - Identity theft report with FTC - Identity theft report with local police dept - list of fraudulent accounts - copy of my drivers license, social security card and recent utility bill.

Ive submitted all the above documentation 3 times with no result.
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. 



XXXX XXXXXXXX XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 

XXXXXXXX XXXX XXXXXXXX loan with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 

XXXX  DHS Child support with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00} I couldn't apply for a home loan because of this negative item on my credit report
Product: Credit reporting or other personal consumer reports

I recently did a dispute with TransUnion informing them of me being a victim of the XXXX Data Breach subjecting me to identity theft. Accounts were opened in my name that I did not open and I have asked TransUnion if they could remove it. I have supplied them with all the information that is needed to block the accounts that are listed in my complaint from this Data Breach. Please remove the accounts that are listed from my attached letter as these are not my accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

FTC Report Number : XXXX FTC Report Number : XXXX FTC Report Number : XXXX Defamation to my character and livelihood and I'm trying to purchase a home. 
XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently sent letters out to the credit agencies on XXXX  stating that I disagreed with the investigation that was done in regards to my credit report. I requested that they provide the method of verification, including the individual with whom they verified the account with ( names and business addresses ) so that I may follow up with them. They have not responded to me within the 30 day window and are now in violation of the The Fair Credit Reporting Act. ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or
Product: Credit card

I am disputing and investigating these wrong accounts on my credit file. I should get {$1000.00} for each mistake under the Fair Credit Report Act. FCRA 605B says we must report wrong accounts on a credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I called XXXX about the two paid collection accounts I have on my credit report. They told me they didn't have those two accounts in their data base and it shouldn'r be reporting. All three credit bureaus are reporting the {$230.00} paid account as collection/charge off. Equifax and XXXX  are reporting the {$83.00} paid account as collection/charge off. I have sent all three credit bureaus a method of verification letter on XX/XX/2020 and they have failed to respond back.
Product: Debt collection

Subject : Complaint Regarding Harassment and Unlawful Debt Collection Practices by Denefits LLC Dear CFPB, I am writing to file a formal complaint against Denefits LLC for their ongoing harassment and violation of my rights under the Fair Debt Collection Practices Act ( FDCPA ) and Regulation F. 

Despite my repeated requests for Denefits LLC to cease all communication regarding an alleged debt, they have continued to contact me, as evidenced by the attached correspondence. On XX/XX/year>, I sent an email to Denefits LLC, explicitly requesting that they stop all further communication due to concerns that I am a victim of identity theft or fraud. I also mentioned that I had taken steps such as filing reports with the FTC and the major credit bureaus, as well as disputing the fraudulent account. 

Despite this, I received a text message on XX/XX/year>, from a representative of Denefits LLC, which threatened legal action and continued to pressure me into settling the alleged debt. This behavior is not only distressing but also a clear violation of : 1. 12 CFR 1006.6 ( c ) Failure to cease communication after I requested in writing that they stop contacting me. 
2. 12 CFR 1006.14 Engaging in harassing, oppressive, or abusive conduct by repeatedly contacting me after being asked to stop. 

I have attached copies of the email and text message for your review. These communications demonstrate Denefits LLCs disregard for my cease communication request and their continued attempts to collect a debt that I do not owe. 

I respectfully request that the CFPB investigate Denefits LLCs practices and take appropriate action to prevent further harassment. Additionally, I would like Denefits LLC to remove any information related to this fraudulent account from their database and cease all communication with me. 

Thank you for your assistance in this matter. I look forward to your prompt response.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called your department after I purchased a credit report with XXXX XXXX. After receiving a copy of my report, I saw some UNVERIFIABLE information that on my personal profile, I noticed that this was negative charge off on my credit report. This is disappointing because I have been paying XXXX to get a report every month and I have been disputing fraud account on my credit report all this time just today I have a charge off that I have never seen before, as well as this incorrect information on my personal profile but still youre not taking any actions. I have never with this account listed below, so please help me remove this charge off account, including this incorrect information from my personal profile. A copy of my Utility Bill, drivers License, and my Social Security Number are all included in these written request. Please help me resolve this issue as soon as possible. 

PLEASE DELETE THIS FRAUDULENT ITEM : XXXX XXXX XXXX XXXX. 

Im requesting that you follow the law by removing this inaccurate information and please provide me with a free updated credit report within 30 days. If I dont receive a return response within 10 days, I will file a complaint with the Attorney General, Consumer Financial Protection Bureau , and the XXXX XXXX XXXX . Please immediately respond. Please do not email me a common verification. Please do not add me to the list of people who complain about your delay tactics. Im very persistent & will not let your unwillingness to comply the law stop me. I'll re-attach my driver 's license, SSN, and current Utility Bill as verification of my ONLY address.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent  XXXX  written request to Equifax requesting the removal of the listed unverified items. They have failed to send me copies of the documents that they used to verify the disputed accounts. They have failed to delete the disputed accounts that they did not verify.  Under Section 611 ( 5 ) ( A ) of the FCRA they are required to promptly delete all information which can not be verified. I am requesting deletion of all disputed accounts which they did not verify.
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. 

I told the XXXX, XXXX, and Equifax to reinvestigate these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 suppose to modify accounts that isn't reporting correctly.

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.

Also they are not even in compliance with metro 2 credit reporting. I have evidence to prove my case.
Product: Credit reporting or other personal consumer reports

To whom it may concern : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

The fraudulent accounts appearing on my credit report are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I sent a request to Equifax to have all of the incorrect information removed from my credit report, Pursuant to section 605B of the Fair Credit Reporting Act. I have sent them all the required documents ( Police report, Identity verification, Credit report with the false info circled ) but Equifax did not take any action regarding the incorrect and fraudulent information on my credit report. Equifax within minutes sent me an automated email saying your investigation is complete. Equifax did not even take the time to verify these fraudulent accounts .This is completely against the section 605B of the Fair Credit Reporting Act and Equifax should be held accountable. 

I tried to verify these accounts by contacting above creditors. All of them had different addresses and phone numbers on their files. They are clearly fraudulent and Equifax is not doing a single thing about it. 

Claims/Disputes confirmation numbers with Equifax are XXXX, XXXX, XXXX and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

INACCURATE INFORMATION SHOWING UP ON CREDIT REPORT TAKING MORE THAN 30 DAYS
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing this account and requesting validation per the FDCPA since the beginning of the year because the account does is not reporting up to their industry reporting standards. please see my attached documentation. This is my tacking from USPS mail from XXXX XXXX Please help me as this information is reporting incompletely and inaccurately. This company has also failed to validate this account per FDCPA 809. Please help me!!! I HAVE REACHED OUT TO THE 3 MAJOR CONSUMER REPORTING AGENCIES AS THEY CONTINUE TO ILLEGALLY REPORT THE ACCOUNT INFORMATION AS WELL.
Product: Credit reporting or other personal consumer reports

I am not liable for this debt with XXXX and don't have contract with XXXX XXXXThey did not provide me with the original application loike I asked. 

Account XXXX. Date Opening XX/XX/year> {$3200.00}
Product: Student loan

Hi, American Education Services failed to send me bills by any method, email, postal mail or calling. In the mean time they created a serious delinquency, it 's negatively effected my credit. I 've tried to resolve this with the company. I 'm more than willing to pay the monthly amount regularly, but I need to know how much to pay and when. 

It 's unfair to charge me without a bill and then expect me to pay over {$300.00}. The company agreed that there was a fault on their end but only forgave a partial amount, now they are sending notices that request me to pay " if I 'm delinquent ''. They 've also been harassing me with collection calls at all hours. On top of that, I keep getting locked out of American Education Services website, so I 'm completely unable to view anything when that happens. Customer service is unbelievable, every single person you talk to has a different story. 

This is the only loan servicer I 've had a problem with, I 've paid one off and the other one I 've contacted twice in the life of the loan. AES I 've contacted too many times and nothing ever get 's fixed. It 's insane for me to call in request my access to be unlocked, then still be locked out. Questions about my loan or bills, they claim to have them fixed in 2 weeks. What world does AES operate in? 2 weeks? meanwhile my credit is seriously being effected. Accounts with XXXX balance are being closed, and I 'm sure I will run into issues in the future. 

I just want to be able to pay my loan, I want a bill monthly in some form and I want access all the time to my account. I believe that 's the law and I 'm willing to pursue this as far as I have to until it 's resolved. This is important and I 'd like to repay my debt, this is not an option AES is giving me.
Product: Checking or savings account

My account:XXXX debit:XXXX dispute chase bank my debit:XXXX been close since XX/XX/2020
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. The following companies have violated my rights by performing a hard inquiry on my credit report without my permission : XXXX XXXX ( XXXX ), XX/XX/XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX, XX/XX/XXXX 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 an 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. 


I also would like my address updated to the following, and ALL OTHER ADDRESSES REMOVED from my credit report : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, AZ XXXX
Product: Credit reporting or other personal consumer reports

Apple opened a line of credit for me in XX/XX/year>. They closed and charged off my account without allowing me to fix it between me being laid off. Its been almost seven years and shows on my credit report as a negative impact.
Product: Debt collection

Delete Collections from Convergent Outsourcing from XX/XX/2020. Your company is in clear violation of the law under 15 U.S. Code 1602 p ) The term unauthorized use, as used in section 1643 of this title, means a use of a credit card by a person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholder receives no benefit. 
15 USC 1692b Not state that such consumer owes any debt ; XXXX XXXX debt collector seeking location information must identify themselves by name, but must not identify his employer unless asked. When asked, however, the collector must give the true and full name of the employer to comply with this provision and avoid violating other sections of the FDCPA. An individual debt collector may use an alias if it is used consistently and if it does not interfere with another partys ability to identify him ( e.g., the true identity can be ascertained by the employer ), and the collection laws of his or her state allow the same. 
15 U.S. Code 1692j ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. 
Best Regards, XXXX XXXX