23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

On Thursday, XX/XX/2021, I received an email stating " billing statement '' invoice. I opened the message it stated it was from XXXX XXXX XXXX XXXX, but the email Billing Department XXXX. Then it has a telephone number Toll-Free XXXX XXXX XXXX XXXX XXXX. I have XXXX anti virus and I paid {$39.00}. This message was for XXXX XXXX within automatic renewal of {$290.00} to be taken out of my account. I did not authorize the payment nor do I have XXXX XXXX. The numbers were bogus. The people had access to my bank account on file at XXXX and took control of my computer and blank me out they took money from checking {$25.00} and {$29.00} from savings. I believe it was test run. I have two checking account the primary account had {$260.00}, but was not touched yet. The took all the money from second checking and all the money from savings. I called them with the number above and they started yelling at me. I finally contact someone at XXXX the legitimate company and told them what happened they said it was a scam. I am requesting payment of {$39.00}. I looked at my account before it was locked down and they took a subscription to XXXX for {$19.00} to be an automatic occurrence each month. My bank rep said they are reimbursing me for all monies taken, but I had to open new accounts, with a block on everything. These are ripping off all XXXX XXXX XXXX XXXX consumers. They very active, if you were to call the numbers above they would answer. They stated they were trying to reimburse me, but I did not pay for the service so why were they trying to reimburse and stated they needed to get into my bank account they could send refund through XXXX XXXX. 
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Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 am writing for two ( 2 ) reasons : 1. To dispute certain information in my credit file ; and 2. To have you re-investigate and remove inaccurate information from my Credit Report and prevent its re-insertion. The item ( s ) I dispute are listed below and is inaccurate or incomplete. I am requesting that the item be investigated to correct the information. 
XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to express my concern regarding unauthorized inquiries listed on my recent credit report. After reviewing the report, I have identified the following unauthorized inquiries. These unauthorized inquiries have adversely impacted my credit standing, making it difficult for me to apply for new credit. In light of this, I demand that you remove the listed inquiries immediately. 
XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft, the following information is reporting to my credit report is information that I have no relation to. Under FCRA 605B I am requesting that this information is removed from my credit profile within 4 business days of receipt of this information. I have contacted each creditor and they have failed to provide me with any wet signature contracts stating that I owe a debt or consented for them to run my credit report. The following information is fraudulent. 
XXXX XXXX ( {$66.00} ) # XXXX Inquiries : Equifax Mortgage Servi XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX & XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXXXXXX XX/XX/XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Equifax Mortgage Servi XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX 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, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I have sent several letters to the consumer reporting agencies and I get a letter stating that it is not me and my letters are not addressed.
Product: Debt collection

Today, XX/XX/2021, the company contacted me from the number XXXX. I asked who was calling before giving my identity ( since Ive heard some scammers use audio recordings of phone calls ), and they said they were from XXXX ( or something that sounded like XXXX ) After confirming my identity, they said instead that they were debt collecting for CashNetUSA. I believe they improperly identified themselves, which, to my knowledge, is against the law.
Product: Debt collection

Debt was due to Identity theft. Fraus alert was activated. Original 'creditor ' was XXXX XXXX . XXXX were notified of dispute and asked to obtain verification of debt as I was not contacted when credit was 'approved ' by them. Fraud alert required them to call me personally. They did not. Subsequently the collection was taken off my credit report. 
Now, MRS Associates are trying to collect the 'non ' debt.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXX XXXX ( XXXX ) has violated my rights. 
15 U.S.C 1681 Section 602A Section 2 States I have a right to privacy 15 U.S.C 1681 Section 604A Section 2 It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C Code 1681s-2 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. 
( B ) States A person shall NOT furnish information relating to consumer to any consumer reporting agency if- ( i ) The person has been notified by the consumer at the address specified by the person for such notices that specific information is inaccurate and ( ii ) The information is, in fact, inaccurate.
Product: Checking or savings account

I had an issue with my bank check account, Some one try to access my account and ordered a check under my name, my bank send me an email that I ordered a check book. I called to my bank and let them know that I didn't order. My bank and I know that some one try to access and get money from my account. My bank closed the old check account, and send me a new check book with a new number. After I received the new check book, Someone use my old check and get XXXX on XX/XX/2022. It is a fraud. I haven't use a check for a long time. My Issue is after the old check account is closed and my bank told me not to use it, How come they allow someone to use that check. To me the bank teller make a mistake. After I called and told them on XX/XX/2022 they told me they blocked it after the damage is done. I called today to the claim office, the person told me that I have to wait 90 to 120 days to get my money back from another bank. If the other bank can't give me the money Wells Fargo can't do any thing. The other bank is that the person checked the cash and took the money out. The claim office told me that is a lost check but it wasn't. I didn't tell them that I lost check. My bank Wells Fargo can't help me with this Issue. The reason I am writing this is because my Bank made a mistake and allow to access the old check. I would like my bank Wells Fargo to pay me my money back.
Product: Mortgage

I am requesting payment DEFERRAL of the deficiency payments. 
Select Portfolio Servicing, Inc.. ( " SPS '' ) has not complied with the requirements of section 1024.17 ( f ) which states " if servicer advances funds for borrower, then the servicer must perform escrow analysis before seeking repayment. '' SPS has started to collect deficiency payments in excess of {$2800.00} per month without providing me with an escrow analysis and while escrow was closed. On XXXX/XXXXXXXX, SPS sent me a letter informing me that the escrow account has been closed. Attached hereto as Exhibit A is a true and correct copy of the XXXX/XXXX/XXXX letter. SPS closed escrow despite that a deficiency exists and contrary to SPS q & a escrow sheet attached hereto as Exhibit B, which states that in order to remove escrow from your account, you must meet the following criteria : Your monthly mortgage payments must not have been delinquent for the past twelve months. A mortgage payment is delinquent if it is received 30 or more days later than its normal monthly due date.You must provide evidence that your insurance and taxes have been paid current for the next 12 months. Your loan-to-value ratio must be 80 % or less. A loan-to- value ratio is calculated by dividing your current unpaid principal balance by the appraised value of your property. We will use the original appraisal in our calculation unless you wish to purchase an updated appraisal and submit it with your request to cancel escrow. Any deficiency in the escrow account must be paid in full. Based on the above, ( 1 ) How is it possible that there is no existing escrow account while a deficiency exists? ( 2 ) How is it possible that SPS is collecting the deficiency without first providing me with an escrow analysis statement as required by law ( section 1024.17 ( f ) )? Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM A VICTIM OF IDENTITY THEFT. THIS IS MY OFFICIAL NOTICE OF CRIME BEING COMMITTED AGAINST ME. UNDER SECTION 605B OF THE FAIR CREDIT REPORTING ACT ( FCRA ) AND IT ENTITLES AN IDENTITY THEFT VICTIM TO CERTAIN IMPORTANT PREOTECTIONS THAT CAN HELP ME RECOVER MORE QUICKLY IDENTITY THEFT. SPECIFICALLY, UNDER SECTIONS 605B, 615 ( f ) AND 623 ( a ) ( 6 ) OF THE FCRA, AN IDENTITY THEFT REPORT CAN BE USED TO PERMANENTLY BLOCK FRADULENT INFORMATION THAT RESULTS FROM IDENTITY THEFT, SUCH AS ACCOUNTS OR ADDDRESSES, FROM APPEARING ON A VICTIMS CREDIT REPORT. IT WILL ALSO MAKE SURE THESE DEBTS DO NOT APPEAR ON THE CREDIT REPORTS. THESE ARE NOT MY ACCOUNTS PLEASE REMOVE THEM FROM MY CREDIT REPORT.
Product: Credit reporting or other personal consumer reports

RE : TRAFFICKING BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of trafficking. The information listed below, that is currently listed on my credit report is a result of that trafficking. Listed below are the Personal Information that are being challenged Incorrect Name : - XXXX XXXX XXXX Incorrect Previous Address : - XXXX XXXX XXXX, XXXX XXXX, VA XXXX Incorrect CurrentAddress : - XXXX XXXX XXXX, XXXX, VA XXXX Incorrect Previous Address : - XXXX XXXX XXXX, XXXX, VA XXXX. PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF TRAFFICKING IN PERSONS. IF THE CONSUMER HAS PROVIDED TRAFFICKING DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 [ DOCKET NO. CFPB-2022-0023 ] RIN 3170-AB12 PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF HUMAN TRAFFICKING ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TOTHISMATTER!!
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

" " '' I have disputed this collection on this XXXX XXXX  for months.XXXX  and XXXX have

reversed them but Experian is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. I am a victim of identity theft.CFPB please step up and fix this ASAP, pursuant to section 605B of the Fair Credit Reporting Act. '' '' ''
Product: Credit reporting, credit repair services, or other personal consumer reports

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

Received numerous collections letters from Creditors Svc Bureau regarding vet bill for XXXX XXXX, have asked them to remove debt from our credit file it keeps appearing on our credit reports. Called XXXX  on XX/XX/19 asked what specific verification of debt they had produced, was told that i needed
Product: Credit reporting

I have no recollection of this credit inquiry. Nor do I have an account with this company. 

XXXX ( XXXX ), XXXX, VA XXXX Phone : ( XXXX ) XXXX This company DEFINITELY can not produce any documentation or signatures where I have applied for any credit them. I need this inquiry removed. Equifax never attempted to investigate the dispute. They deemed the inquiry valid without investigation.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Product: Debt collection

the collector that called me did NOT MINI MIRANDA me. they called and left me a voicemail, so I called back and told them that according to the FDCPA they were not aloud to do so, the man began raising his voice at me and told me that they can do whatever they wanted to do and that they can call multiple times to my number. 

THIS ACCOUNT NEEDS TO BE CLOSED OR I WILL CONTACT AN ATTORNEY AND TAKE LEGAL ACTION AGAINST THIS COMPANY. THEY NEED TO STOP HARRASSING AND VIOLATING THE LAW.
Product: Mortgage

I originally purchase my home with a VA loan on XXXX XXXX, XXXX. At that time, my home was not in a Special Food Hazard Area ( SFHA ) as defined by the Federal Emergency Management Agency ( FEMA ). My mortgage company did not require me to purchase flood insurance. 

On XXXX/XXXX/XXXX I submitted a loan application to iFreedom Direct Corporation to refinance my home. 

The Loan Estimate that I received was dated XXXX/XXXX/XXXX and makes no mention of flood insurance. The final Closing Disclosure was dated XXXX/XXXX/XXXX and makes no mention of flood insurance. They had a copy of my home owners insurance at that time and used my premium amount to determine the initial escrow amount. They knew well ahead of time that I did not have flood insurance. 

On XXXX/XXXX/XXXX I closed on the loan. At that time I was given a Notice of Special Flood Hazards and Availability of Federal Disaster Relief Assistance ( " the notice '' ). This notice was just simply mixed in with all of the rest of my closing documents. 
Lenders are required to use the Standard Flood Hazard Determination Form ( SFHDF ) to determine the correct Flood Zone. 

First of all they determined an incorrect Flood Zone rating for my home. No portion of my home is located in a Special Flood Hazard Area ( SFHA ). Thus the provisions of the Flood Disaster Act of XXXX do not apply. I 've attached XXXX flood determinations to support this. 

The notice that I received contains the following statement : " Federal law allows a lender and borrower jointly to request the Administrator of FEMA to review the determination of whether the property securing the loan is located in a special flood hazard area. If you would like to make such a request, please contact us for further information. '' They would not however respond to any of my requests for assistance with this. 
The servicing of my loan was transferred to XXXX and now they are requiring me to purchase flood insurance.
Product: Vehicle loan or lease

I co-signed for a car for my mom and in XXXX my mom totaled the car and was behind on payments but the insurance company paid the car off but the late payments is what I was told by Kia. But then Kia allowed her to take out another loan on another car and want to hold me liable for a car that was totaled and demolished. What Im not understanding is why let her get another car in her own name and hold me liable for both cars when I never signed the agreement for the second one. I want this car removed and deleted for the error of trying to hold me liable for a car that was totaled and suppose to have had the gap insurance on it and we put a large down payment for the first one. Plus the first car was totaled in XXXX and I should no longer be held liable for that car since they did let her get another. But my question is if the first car was totaled in XXXX how was it then towed away in XXXX and that because she had another car and this is not the same car from the first original contract that I signed.
Product: Credit reporting, credit repair services, or other personal consumer reports

NOTICE OF DISPUTE Account Number XXXX Upon discovery after viewing my consumer report I see that BMW FINANCIAL SERVICES is report-ing a late payment to XXXX, XXXX & XXXX XXXX This alleged late payment is inaccurate & a clear billing error. Pursuant to 15 USC 1666b ( a ). I did in fact not receive my periodic statement 21 days before my billing due date causing this late payment to be null & void.
Product: Debt collection

Subject : Request for Reinvestigation and Removal of Charge-Off Account # [ XXXX XXXX ] To Whom It May Concern, I am writing to dispute the accuracy of a charge-off listed on my credit report under the account # [ XXXX XXXX ]. I have received a 1099-C form for this account, indicating that the debt was canceled. According to the Internal Revenue Code ( IRC ) 6050P, a 1099-C form is issued when a creditor cancels a debt of {$600.00} or more. This means the debt has been legally forgiven and should no longer be reported as a charge-off. 
Under the Fair Credit Reporting Act ( FCRA ) 611 ( a ), I have the right to dispute any information on my credit report that I believe is inaccurate, incomplete, or unverifiable. As the debt has been canceled and a 1099-C form has been issued, the reporting of this charge-off is both inaccurate and misleading. 
I request that you conduct a reinvestigation of this matter under FCRA 611 ( a ) ( 1 ) ( A ) and remove the charge-off from my credit report. If the information can not be verified, it must be deleted from my credit file according to FCRA 611 ( a ) ( 5 ) ( A ). 
Please provide me with written confirmation that this item has been corrected and removed. If you are unable to verify the accuracy of this information, it must be deleted from my credit report as required by law.
Product: Credit reporting or other personal consumer reports

I am writing to formally lodge a complaint regarding the violation of my consumer rights related to credit inquiries reported by the XXXX major credit bureaus : XXXX, TransUnion, and XXXX. I understand that these companies are responsible for reporting and maintaining credit information, but I believe that my rights as a consumer have been compromised due to certain inquiries appearing on my credit file. 

As a consumer, I am entitled to have any incorrect or unauthorized inquiries removed from my credit report under the Fair Credit Reporting Act ( FCRA ). The presence of these inquiries is negatively impacting my credit and hindering my ability to access financial services. I am requesting that these inquiries be removed within XXXX ( XXXX ) business days to ensure that my consumer rights are respected and my financial opportunities are not further harmed. 

I respectfully demand immediate action to correct this issue and request confirmation that the inquiries have been removed within the specified time frame.