23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

My daughter XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. I provided a copy of the death certificate and will designating her father and I as beneficiaries of her condo as well as executors of the estate to the mortgage Company NewRez, Loan Number XXXX. The property address is XXXX XXXXXXXX XXXX XXXX XXXX XXXX, WA XXXX NewRez is located at XXXX XXXX XXXX, XXXX, SC XXXX Phone XXXX. 

In XX/XX/XXXX, the notified me the insurance policy was lapsing. I purchased a policy and had XXXX send XXXX ' - XXXX XXXX XXXX Homeowners Policy, Homeowners Insurance directly to NewRez. 

In XX/XX/XXXX NewRez sent a letter from their insurance Dept located in Michigan telling me they were going to proceed with purchasing an insurance policy. I personally forwarded proof of insurance for the policy, yet they have added over {$400.00} escrow charge to which I am held hostage, as part of the required payment to prevent the mortgage from going into default. 

I wrote another letter on XX/XX/XXXX, demanding they cease and desist this unlawful collection and refund my money. I also again sent proof of insurance. 

I repeated the process in XXXX and XX/XX/XXXX. In early XXXX, I again spoke to a representative on the phone who said they sent you a letter to which I responded bull hockey! I am not someone who would have failed to follow the process to remove an over {$8000.00} annual charge that I e been writing letters and phone calls to remove. 

They told me they would send another letter so I could get my money refunded. It is now nearly a month later no form, no letter. No action on their part despite phone calls, emails, letters, proof of insurance sent multiple times by my insurance company XXXX and me personally. 

The actual homeowners policy I am paying for coats {$580.00} The mortgage company is charging me approximately {$400.00} each month despite not having my consent and being told numerous times, in writing and on the phone, it is duplicative. 

Please help stop this
Product: Credit reporting or other personal consumer reports

I am formally disputing the inclusion of an account on my personal credit report, as it violates consumer protection laws. 

This is a business account, not personally guaranteed by me, and should not appear on my personal credit report under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. Only account for which a consumer is personally liable should be reported. Listing this account as a personal obligation is both inaccurate and unlawful under the FCRA and other consumer protection laws. 
XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

With respect to Chapter 41 : 15 U.S. Code 1681, I being a consumer, am entitled to a accurate and complete consumer report. According to my consumer report generated on, XX/XX/2022 of there are some inaccurate not applicable, fraudulent personal information listed. This letter serves as an initial attempt to have my personal information amended to what is correct and truth standing. The following information needs to be omitted, please note upon completion of the requested, a new updated copy of my consumer report should be mailed to the mailing address that you have on file. promptly. 

Omit the following name as my TRUE name can be verified on my supporting identification : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX Omit the following inaccurate addresses as my address can be verified by my supporting identification and I have no relation to any of the below mentioned addresses : XXXX XXXX XXXX XXXXXXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX NY XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX Attached to this initial request I have attached my identification. I suspect that you would have no issues removed the aforementioned information in a timely fashion.
Product: Debt collection

I would like my derogatory remark removed. This account is are misreporting on my credit report. This account does not belong too me. The date that this open was opened was XX/XX/XXXX. The amount is for {$590.00}. I have reached out to this creditor multiple times that this debt is not mines. I never lived at the listed address and I never had service with this company. I have provided police report as well. The creditor stated to me that there was nothing that they could do to assit with this fraudulent account. 


Please apply these laws to my account : The Fair Debt Collection Practices Act Law 111-203, title X, 124 Stat. 2092 ( XXXX ) Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 ( FCRA )
Product: Checking or savings account

On XXXX XXXX of this year, someone was able to walk into the PNC bank located at XXXX XXXX XXXX XXXX in XXXX TX. and using a false social security number, a false address, my correct birthday, and a signature that didn't match, and withdrew {$3000.00} in cash from my checking account. As you can see from the copy of the withdrawal ticket, they tried to get {$4000.00}   but the balance wouldn't support it. The teller, who may have been in on the scam, gave them the money even with all that inaccurate information. The teller clearly did not follow banking protocols and did not check the information on file, if they had they would have know this was a scam! 
We contacted the local branch here and they are working on the problem, but we were told it may take up to 90  days to get our money back, THIS IS TOTALLY UNACCEPTABLE. This is felony level back fraud and without a doubt the sloppiest case of bank teller performance I have ever heard of. I am enclosing a copy of the withdrawal ticket so you can see what I'm talking about.
Product: Debt collection

Received a notification of attempt to collect debt for XXXX. This is the third collection company on this debt. It keeps being deemed uncollectable and resold. This is not my debt. It does not belong to me. I received the letter on XX/XX/XXXX. I sent notification to them on XX/XX/XXXX that it is not my debt. 

I have received followup debt collection letters on this but not any information on it. It is now reporting with the credit reporting agencies, yet, they have not provided the required information for the debt. Nevada requires 60 days, i think, before reporting after the notification is sent. That time has not gone by.
Product: Credit card or prepaid card

Credit karma provided me with pre-approval options for credit cards as well as excellent eligibility for applying for a list of specific credit cards. I was then denied the credit card for the ones that credit karma had told me I was pre-approved for. I then was given marks on my credit score and credit report and decreases in my credit score for the hard inquiries. I would like to issue a complaint directly to credit karma XXXX in this case and have additional documentation I can provide based on these credit karma allegations
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX refuse to correct the amount of the loan. The dates of the long the last payment made refused to send me any information regarding the loan regarding the sale of the car after repossession they did not notify me prior to selling the car each time I requested it, my request was denied. I contact each credit bro agency to get it updated to get it corrected. Nothing is done like it is the company has verified information. The company has not verified any information with me or giving me any type of documentation, showing the long the amount owed or anything
Product: Debt collection

On XX/XX/2023 I sent a handwritten dispute letter to Spring Oaks Capital LLC, which was received on XX/XX/2023. In the amount of {$14000.00}. I still haven't heard from them yet. However, after future review of my credit report. Spring Oak Capital LLC, continue to report negative information on my credit report without providing any proof of debt or any contract bearing my signature.
Product: Vehicle loan or lease

Exeter Finance has reported 16 late payments along with charging a late fee when I have been paying on time since XXXX XXXX XXXX. Ive reached via email as well as by telephone and every time I ask to the rep to speak a Supervisor they say the supervisor is busy or state they cant hear me during the telephone conversation. The late payments stem from payment extension arrangements that send the car note to the back of the auto loan which in return should not report the loan as late. I do have paperwork supporting it should you need more I will be able to provide such.
Product: Credit reporting or other personal consumer reports

XX/XX/year> They sent a letter showing charges, but nothing with my signature and just also been charged off. They have no right they did not give me a 1099.
Product: Debt collection

I've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the XXXX XXXX official complaint is against PRO COLLECT & XXXX. My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas. The individual I've suspected for this theft is now deceased, and the police department said to contact the federal trade commission to seek relief.
Product: Checking or savings account

Contacted Discover Bank Regarding Unauthorized Charges on checking account. this is the second complaint filed after reviewing 2 emails from Discover after getting a complaint from cfpb saying they are working on it and will get back to me still has not been done no response. they reversed XXXX $ in unauthorized charges and wont correct them.
Product: Credit reporting or other personal consumer reports

I've recently obtained copies of my personal consumer credit reports and have noticed questionable or insufficiently verified data within my file at your company 's offices, as outlined in my reviewed documents. I'm worried that this information might have been mistakenly or intentionally added back to my credit report by your offices after being removed from reporting, without providing the necessary five-day notice to me, as required by reporting regulations that your company must adhere to. 

According to the Fair Credit Reporting Act ( FCRA ), any previously removed reporting item can not be reinserted into a consumer 's credit report without written notice from the relevant credit reporting agency or agencies directly to me, the affected consumer, within five business days of the alleged reinsertion date. I want to make it clear that I haven't received any such notice or confirmation regarding the accuracy and completeness of the reported claims. 

Your agency is in violation! 
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. 

Listed below are the Personal Information that are being challenged Incorrect DOB : - XXXX  Incorrect Name : - XXXX XXXX XXXX Listed below are the Accounts that are being challenged XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX Listed below are the Inquiries that are being challenged XXXX XXXX XXXX XXXX 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

XXXX XXXX XXXX  XXXX is not my account according to FCRA law 15 USA 1681 an 15 USA 1681 I they are supposed to check an make sure it's accurate before adding it to my credit report it's fraudulent an should be deleted I have did all the steps an still no response from company or credit Bureau please delete thanks
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.

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 yea
rs.

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 do not owe any debts to XXXX XXXX. This company has violated my rights under the FCRA. XXXX XXXX by law had a responsibility to notify in writing of any debts owed to them prior to reporting to any third party credit agencies. They did not do so and can not provide any written documentation addressed to me. 

I filled for bankruptcy In XXXX of XXXX. XXXX  claims that the debt owed to them is from XXXX. If that was true when I filled for bankruptcy in XXXX of XXXX XXXX XXXXs had a legal obligation to appear in court and file for anything they felt was owed. They did not because they I did not then or now owe a debt to them. 

Also, because my bankruptcy was public my address was on file for XXXX XXXX to contact me regarding the debt. This debt is not owed. This is not a valid debt. Any further attempts to collect this debt will result in legal action against XXXX XXXX for violating my rights.
Product: Mortgage

I lost my home to a wildfire in 2021. At the time of the loss, I had only force placed insurance coverage through the mortgage lender. My understanding of said coverage is it only protects the lender and pays off the loan. Since I suffered a total loss and had no HO policy, I therefore could not continue to make my mortgage payment as well as a monthly rent to have housing for myself and my son. I have contact my mortgage company and advised them of my financial status. I have also requested more information regarding this claim process and confirmation that my understanding that my loan would be paid in full but have not received adequate information. I am now being told that the forced place carrier has submitted payment far less than my mortgage balance and I need to submit the difference before my lender will apply any monies they have received from the insurance carrier. I do not have that amount available nor do I understand how the adjuster 's report devalued my property so badly. 
I am in need of assistance as I am in default and I can not even sell the bare land to try and repay late fees/penalties to the lender. 
I understand that I have no compensation for my personal belongings, expenses paid for housing however I do not understand why the principle balance of my mortgage loan was not paid by the insurance carrier.
Product: Debt collection

Knight Adjustment Bureau is ruining my credit by fraudulently saying that I owe a school money when I spoke to the owner of said school and have in writing from the owner that I owe their school nothing. The owner of the school also told me in writing that I was not sent to collections by their school. I submitted proof to the agency and told them that what they were doing was fraudulent and I finally got them to remove the collection on XX/XX/21 but then on XX/XX/21 they put it back on my account and destroyed my credit all over again. I am suffering from XXXX XXXX XXXXhat causes physical XXXX XXXX  and all of this stress has made me extremely ill. I dont know what else to do, Ive been trying to fight it for a long time and Ive received no help. This is a last resort.
Product: Debt collection

This account was reported to my XXXX Credit Report and this is not my account. 
I.C. System for XXXX for {$870.00} XXXX account. {$870.00} past due as of XX/XX/year>. 

I also have several Breach Account Emails from companies that said my information may have been compromised. 

Re : Notice XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( Evolve ) was the victim of a cybersecurity attack. 












































































































Re : Notice XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX ( Evolve ) was the victim of a cybersecurity attack.
Product: Credit reporting or other personal consumer reports

I am interested in processing disputes on my credit report to delete an remove all inaccurate information that is hindering my credit report. this issue has been addressed multiple time an no action has been taken. checking the information reported all data is reporting illegal information an fraudulent data. this has caused many denials on my credit report. please review an remove the listed items to help update my credit report correctly asap.
Product: Credit reporting or other personal consumer reports

n 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 XXXX, XXXX, and Equifax to reinvestigate these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  BANKRUPTCY ( U.S. Bankruptcy Court ) : # XXXX, DEPTEDXXXX : # 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 supposed to modify accounts that aren'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 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX  XXXX Balance : {$0.00}; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

there are fraudulent inquires listed on my credit report, i am writing this to delete and remove those things off my report. i am a victim of identity theft i've already sent letters to try and solve this problem and it is heavily affecting my life. I've included my FTC report and identity theft affidavit along with the letter that I've sent to the credit bureaus
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX NV XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX, PA XXXX To Whom It May Concern, I am writing to dispute the following unauthorized credit inquiries on my credit report. According to Section 604 of the Fair Credit Reporting Act ( FCRA ), credit inquiries can only be made with my explicit consent. I have identified the following inquiries that I did not authorize : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I request that you investigate these inquiries and provide me with the details of the entities that made these inquiries, including their contact information and the purpose of the inquiries. If these inquiries can not be verified as authorized, I request that they be removed from my credit report immediately.

Enclosed are copies of my credit report highlighting the disputed inquiries. Please reinvestigate this matter and update my credit report accordingly. I appreciate your prompt attention to this matter and look forward to your response.

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

XXXX XXXX XXXX XXXX. Amount : {$38000.00}. XX/XX/2022. The information they are reporting on my credit report is inaccurate. I reached out to the company and requested a copy of the contract and any consent forms with my signature but to no avail. 


In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 XXXX XXXX XXXX XXXX has violated my rights. 

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 1692 Section 805 ( a ) States a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known or which should be known to be inconvenient to the Consumer 15 U.S.C 1692 Section 805 ( a ) Section 3 States at the consumers place of employment if the debt collector knows or has reason to know that the consumers employer prohibits the consumer from receiving such communication. 

15 U.S.C 1692 ( g ) section 809 states a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector.

15 U.S.C 1681 ( b ) Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

15 U.S.C 1666 ( b ) states billing error.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 someone open an account on my behalf with my social security number in South Carolina with TD Bank
Product: Credit reporting, credit repair services, or other personal consumer reports

The following student loans were reported on my credit report.. Based on my research, all government funded loans are not allowed to be reported, this is a clear violation of the FCRA..I disputed the accounts with the credit bureaus for several attempts to no resolution..They did not give me evidence or verification as to why they will not remove the account. The error has affected my credit score tremendously. CFPB please step up and fix this ASAP please Im looking to purchase a home. XXXX XXXXXXXX, XXXX XXXX XXXXXXXX , XXXX XXXX XXXXXXXX, XXXX XXXX XXXXXXXXXXXX, XXXX XXXX XXXXXXXX, XXXX XXXXXXXX