23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I am writing to formally dispute the recent charges and adjustments on my mortgage account # XXXX ]. Upon reviewing my account, I have identified the following issues that require immediate correction : Incorrect Late Charges My mortgage payments are scheduled through my bank and are consistently sent several days in advance, ensuring timely arrival before the due date. However, my account reflects multiple late charges that are inaccurate. 

Unexplained Increase in Loan Principal I have noticed an unexpected increase in my loan principal. Please provide a clear breakdown of this adjustment and correct any errors. 

Unauthorized Insurance Premium Disbursements I maintain my own homeowners insurance coverage, yet my payment history includes disbursements labeled as Insurance Premium Disbursement. This appears to be force-placed insurance, which is unnecessary and unjustified. 

I have attempted to contact Shellpoint numerous times to resolve these issues but have not received a response. I am requesting ShellPoint the following actions be taken within 15 business days in compliance with the Real Estate Settlement Procedures Act ( RESPA ) : Provide a detailed explanation of the charges in question, including a transaction history of my account.

Reverse any erroneous late fees and incorrect principal increases. 

Cease any force-placed insurance charges and confirm that my existing insurance policy is acknowledged. 

Update my account to reflect accurate payment history. 

Attached,!. XXXX XXXX XXXX XXXX 2. Shell Point LetterXXXX 3. Shell Point XXXX XXXX XXXX Shell Point Payment History-XXXX XXXX Newrez XXXX XXXX XXXX XXXX XXXX XXXX Statement, XXXX XXXX Statement, XXXX XXXX Statement XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

I am now requesting proof of the previous investigation. Im asking that you send your method of investigation along with all records of who you spoke with l, their business address, name, and phone number as well as documentation that process the amount was late. If you can not provide me with this information in 15 days I ask you to update the account or paid or never late and send me a copy of my updated credit report. 

XXXX XXXX 30 days late XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act 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: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to propery investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX  Jefferson Capital XXXX XXXX XXXX XXXX XXXX MN XXXX Re : Account # XXXX To Whom It May Concern, I hope this message finds you well. I am writing in response to a recent debt collection letter from your office regarding an alleged debt. I do not recognize this debt, and I am formally requesting validation in accordance with the Fair Debt Collection Practices Act ( FDCPA ).

To clarify this matter, please provide the following : XXXX. XXXX. XXXX. XXXX. XXXX. Creditor Information : The name and address of both the original creditor and the current creditor.

Debt Verification : Documentation verifying the amount you claim I owe and proof of a valid contract establishing this debt.

Assignment Records : Copies of all assignments or transfers demonstrating the chain of ownership of this debt from the original creditor to your agency.

Proof of Securitization : Evidence that this debt was securitized by the original creditor, as stipulated in the Truth in Lending Act ( TILA ).

Assignment Details : Documentation of any assignments of the debt from the original creditor to any secured trust and any subsequent transfers.

Until you have provided the requested validation, I respectfully request that you cease all collection activities related to this account. If you can not provide sufficient validation, I expect the account to be removed from your records.

Additionally, please refrain from accessing my credit report or reporting this disputed debt to any credit bureaus. If this alleged debt has already been reported, I request that my dispute is clearly noted in the report.

Permissible Purpose of this claim.

Please clarify the permissible purpose under which you accessed my credit information, as I dispute the validity If you choose to transfer or sell this account to another agency, please inform them of my dispute regarding this alleged debt.

Thank you for your attention to this matter. I look forward to your prompt response to resolve this issue amicably. 
Best regards, XXXX XXXX
Product: Debt collection

I have received several notices from Messerli and Kramer regarding accounts I supposedly owe money to. They have garnished my wages and wiped out my bank accounts. The accounts are joint but they wipe out my husband 's social security money that is deposited there too. I send them proof of what funds are not my earnings and they say they never received that. My wages are garnished. They say the debt belongs to XXXX XXXX, XXXX and I have to call them regarding what the debt is for. XXXX says I have to get the information from Messerli. They say I was served papers. I never was. I don't know if my identity has been stolen or what but this is crazy.
Product: Credit reporting or other personal consumer reports

I am writing to file a complaint to CAPITAL ONE regarding the reported unauthorized inquiry on my credit file that is not certifiably compliant and proven valid and/or not documented as fully true and physically verified. My name is XXXX XXXX XXXX XXXX, and my address is XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX. My date of birth is XXXX, and the last 4 digits of my social security number are XXXX. The FTC report number associated with this complaint is XXXX.I have identified likely mendacious and certainly unproven complaint reported account on my credit file that are inaccurate and erroneous l. As a consumer, I am within my federal and state consumer and/or civil rights to demand and/or compel you to have them removed as soon as possible. I am filing this consumer complaint and consumer check for compliance of these particular item that you are reporting under FACTA Title 1 sec. 151 that unambiguously obliges a recounted of the modus. This is a formal dispute of information and reporting.
Product: Vehicle loan or lease

On XX/XX/20 I went to XXXX XXXX to perform a consumer credit transaction to purchase an asset for a vehicle and was denied the right to extend my credit to cover the finance charge by paying to the order of TD AUTO FINANCE. Not only did they deny me of my rights, but they also required that put {$17000.00} down as a downpayment in order to contract for the goods. I know this is a violation of my rights pursuant to the 15 USC 1611 and 15 USC 1640 of Truth in Lending Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, MG Credit Account # XXXX, violated my rights. I have never done business with MG Credit. MG Credit illegally reported invalidated information to my XXXX report. 

In addition to, pursuant to the Fair Debt Collection Practices Act, 15 USC 1681 Sec. 602 A : I have a right to privacy.

Pursuant to the Fair Debt Collection Practices Act, 15 USC 1681 Sec. 604 A Sec. 2 : A consumer reporting agency can not furnish an account without my written consent.

Lastly, pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ), I requested an investigation and debt validation. However, I did not receive debt documentation to validate debt.
Product: Credit reporting or other personal consumer reports

Im a victim of identity theft and nothing has changed in my report. I mailed my dispute to Equifax on XX/XX/XXXX proof in the upload documents.. I have not heard anything from Equifax in over 45 days I will be suing Equifax in 4 business days .. distinctly verify all methods that were use to verify accounts. I demand to know the. Name of agent or rep you spoke to, department, etc ..also documents with my signature and consent serving as proof. Along with terms and agreements. I have my police report along with my affidavit. 15 U.S. Code 1681c 2 - Block of information resulting from identity theft U.S. Code ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. These following accounts are fraudulent and need to be blocked and deleted. 
USC1681s-2, 15 USC 1681i ( 5 ), 15 USC 1681e ( b ) XXXX Equifax Account XXXX : XXXX Account Type - Detail : Auto Loan Date Opened : XX/XX/XXXX Balance : {$14000.00} According to XXXXXXXX XXXX XXXX XXXXXXXX XXXX Equifax is suppose to ensure MAXIMUM POSSIBLE ACCURACY : This account Violates these laws.15 USC 1681I, 15 USC1681s-2, 15 USC 1681i ( 5 ) , 15 USC 1681e ( b ) . Delete account immediately. This account is fraudulent and has to be deletedin4days!!!!! 


USC1681s-2, 15 USC 1681i ( 5 ), 15 USC 1681e ( b ) XXXX Equifax Account XXXX : XXXX Account Type - Detail : Auto Loan Date Opened : XX/XX/XXXX Balance : {$7900.00} According to XXXX XXXX Equifax XXXX XXXX Equifax is suppose to ensure MAXIMUM POSSIBLE ACCURACY : This account Violates these laws.15 USC 1681I, 15 USC1681s-2, 15 USC 1681i ( 5 ) , 15 USC 1681e ( b ) . Delete account immediately. This account is fraudulent and has to be deletedin4days!!!!!
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX Account XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ut XXXX {$580.00} I have listed the accounts below in which I am requesting said verification of. Failure to verify account records in compliance with the FCRA will damage my ability to obtain credit. Under FCRA, unverifiable accounts must be promptly removed. 
I formally demand the following negative account records to be verified and/or removed immediately.
Product: Credit reporting or other personal consumer reports

Please be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts?

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately. 

XXXX XXXX
Product: Checking or savings account

XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, GEORGIA XXXX RE : COMPLAINT AGAINST BANK DEBIT CARD : VENMO / PAYPAL MY CARD NUMBER # XXXX ( THIS IS MY NEW CARD ) EXP XX/XX/XXXX UPON REVIEW OF MY STATEMENT IN XX/XX/XXXX I FOUND THAT I HAD TWO UNAUTHORIZED CHARGES- THAT I MDID NOT MAKE, NOR AUTHORIZE, NOR RECEIVE ANY SERVIOCES, GOODS, PRODUCTS, ETC FROM. 

IN TODAYS TIME AND WITH ME HAVING XXXX AND ALREADY BEING OUT OF WORK AND IN THE XXXX THIS IS WRONG TO HAVE MONEY TAKEN OUT OF MY ACCOUNT AND YET VENMO DOES NOT HAVE ANY CONCERN OR PROCEDURE TO STOP THIS FROM HAPPENING. RETURN MY MONEY, REVERSE THOSE CHARGES, ETC. 



I FILED NOTICE TO VENMO IN WRITING ON XX/XX/XXXX ABOUT THESE TWO CHARGES ONE FOR {$120.00} AND {$37.00} AND I DID IN FACT GET A VERIFICATION LETTER BACK STATING THEY RECEIVED MY REQUEST AND WPOULD PROCEED TO CLEAR THIS UP. 

NOW IT IS XX/XX/XXXX AND IT HAS BEEN 45 DAYS AND NOTHING HAS BEEEN DONE? THIS IS WRONG, BEING THAT THEY ARE A LICENSED BANK IN THE UNIOTED STATES AND THEY JUST DONT CARE? 



I AM REQUESTING TO REVERSE THOSE CHARGES AND PERSUE THE VICTIM I NEED MY FUNDS BACK PLEASE HELP!!
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Late/Closed XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Charge off XXXX XXXX Date Opened : XX/XX/XXXX XXXX : {$0.00} Late/Closed XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Late/Closed XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Late/Closed XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Charge off XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX XXXX XXXX {$6700.00} Charged Off XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$140.00} Late/Closed XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$300000.00} Late/Open Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

I call them XX/XX/2021 and they giving me a hard time. I requested a dispute and one of the supervisor ( XXXX XXXX ) giving me a false information and changing a subject. 
I tried to talk to his/her supervisor and didn't cooperate with me and hangs up the phone.
Product: Debt collection

Hi, onXX/XX/2019 the main 3 credit bureaus received via certified mail my request asking for proof of this account a collection company has placed on my credit file, The credit bureaus have responded to me that this creditor Diversified Consultants has verified my information with them and that the account is accurate. Diversified Consultants sent me onXX/XX/19 a letter with my name, address and a debtor company name that I do not know XXXX XXXX XXXX  on a simple bill saying the original creditor is XXXX with a due bill of XXXX. I sent them a letter on XX/XX/2019that they received via certified mail asking them to send me proof that I have opened this account with them, I told them this account is not mines, I have never in my life opened any account with XXXX, I do not owe any company by the name of XXXX XXXX XXXX. This does not belong to me. They have not responded to me and continue to report this collection account to the credit bureaus inhibiting my ability to obtain credit, mortgage etc. I also sent them another letter certified on XX/XX/2019 asking for any document again and have not received any response. I would like this account deleted please from all credit bureaus. I have NEVER opened any account with sprint. NOTE : the letetr they sent me dated XX/XX/was actuallu mailed by them after XXXX XX/XX/2019 because that letetr was sent to me after they received my request for validation sent onXX/XX/2019 so i do not know what thet are trying to do sending me a letter back dated. I did not opened this account.
Product: Credit reporting or other personal consumer reports

Hey my name is XXXX XXXX and I have notice that XXXX is reporting a Fraudulent account and on my consumer report. I respectfully ask for proof of this alleged account. And they couldnt provide any. Its been over 45 days without a response. I respectfully ask at this point that this Fraudulent account be removed immediately. This is not a third party filing this dispute.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, Virginia XXXX XXXX XXXX XX/XX/year> Capital one XXXX XXXX XXXX XXXX XXXX, Tx XXXX Re : Formal Dispute of Charge-Off Entry under FCRA Account Number : [ XXXX ] Dear Sir/Madam, I am writing to formally dispute the accuracy of a charge-off entry reported on my credit file, referenced by account number [ Account Number ], which is listed under your bureaus credit report. 

Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. XXXX, I request an immediate investigation into the accuracy and validity of this entry. Specifically, I believe that the charge-off entry is incorrect due to the following reason ( XXXX ) : [ Insert reason for dispute here. For example : I did not authorize the charge-off, as I had been in consistent communication with the creditor and had made timely payments prior to the account being reported as charged off. ] In accordance with 15 U.S.C. XXXXi ( a ), I am requesting that you conduct a reasonable investigation into this disputed item. Please provide me with all relevant documentation and evidence that supports the validity of the charge-off, including any communications, notices, or other records that substantiate the charge-off date and the amount involved. 

Additionally, under 15 U.S.C. XXXXe ( b ), all information on my credit report must be accurate, and I am entitled to a complete and accurate reflection of my credit history. If the charge-off can not be substantiated, I request that it be removed from my credit file immediately. 

I further assert that under 15 U.S.C. XXXXi ( a ) ( XXXX ), you are required to complete your investigation within XXXX  days from receipt of this letter. I expect that this matter will be resolved in full compliance with the FCRA, and I request that you notify me in writing of the outcome of your investigation. 

Should the charge-off remain on my credit report without proper evidence or if your investigation does not satisfy the requirements under the FCRA, I will have no choice but to escalate this dispute to the Consumer Financial Protection Bureau ( CFPB ) and/or seek legal counsel for further resolution. 

Please provide a written response to my request for information and any updates to the status of the investigation at your earliest convenience. I also request that you send me a copy of the updated credit report once this issue has been resolved. 

Thank you for your attention to this matter. I look forward to your prompt response. 

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

In accordance with the Fair Credit Reporting act All XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # 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 a account without my written instructions.
Product: Credit reporting

Experian refused to take or remove an account from my credit. I received a letter stating that it was not removed but did not find out why. I am disputing this because the XXXX account number ( Partial number ) XXXX would not take my money for payment I went in to pay on my bill but they would not accept the money because it was a partial payment and that was all I had. I spoke with the manage and he gave me the run around and spoke very bad to me. I did not know what else to do I. never got resolved with this store now they place it on my account on credit report and added a lots of extra fees on top of the original bill never going to collection to my knowledge. I informed Experian and nothing has been done to resolve this matter. please help me regarding this matter.
Product: Checking or savings account

I received an email today from Chime about a new debit card coming to my mailbox soon. I have never heard of Chime and I do not need to open an additional accounts. I called Chime today and asked what was going on. They told me to flag the account, submit an FTC identity theft report, and let the credit bureaus know. They stated they would send me all of the account information and who opened the account but I never received it. 

Please see the following attached!
Product: Credit reporting or other personal consumer reports

I found inaccurate information in my EXPERIAN credit repot. I tried to fix the issues by sending them a letter through the mail ; however, I was not satisfied with the results. The accounts were not verified. Inaccurate information, such as payment status, payment history, date opened, and date of late payments are still being reported. 

My rights were violated according to 15 U.S.C. Section 602, I have the right to privacy, and 15 U.S.C Section 604 A Section 2 states that a consumer reporting agency can not furnish an account without my written instructions.
Product: Checking or savings account

I have a CD account with Capital One. The CD, according to information on Capital Ones website, was due to mature on XX/XX/year>. As the time approached to the maturity date of the CD, I did not receive any notice from Capital One concerning the maturity of this CD and any grace period I would be accorded within which to make a decision concerning what I wanted to do with the CD. I had made a tentative decision that upon the CDs maturity, I would roll it into my savings account ( also with Capital One ). 
On XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX in the evening, I received an e-mail from Capital One stating that the CD in question had been renewed by me successfully. I did not renew the CD, and played no part in this so called renewal.
Product: Credit reporting

I received a letter from XXXX XXXX saying that they think that someone may have been opened a credit card account using my personal information. I made a personal credit report from Trans Union and I saw that someone has my name but different address.