23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Received a notification from Truist today that my mortgage was increasing by {$710.00} ( which is a 24 % increase ) starting in less than 30 days. They state that this is due to the fact that the escrow account is overdrawn due to property taxes. We paid our first year of property taxes and our homeowner 's insurance as part of our closing cost. In addition, we have been paying {$1000.00} in escrow each month. There should be plenty of money to cover property taxes as we have lived in the property for only a year and have provided XXXX in escrow funds. When I called them to ask for clarification, they stated it was possible the property taxes were paid twice ( at closing and by Truist ). They noted it was my responsibility to figure out how to get the money refunded. When I asked them what I should do regarding the additional XXXX I would owe each month, they stated I could ask customer service to lower the payments but implied I would ultimately be responsible for covering the additional cost while the refund was sorted out. They made no attempts to reconcile the morgate payment increase difference while the account was being investigated. This mismangament of our escrow account is predatory.
Product: Student loan

I received an email from the Department of Education that my federal loans were being discharged due to misconduct by the school in regards to marketing, Post education placement rates and career services post graduation. 

XXXX XXXX XXXXXXXX Tried to contact to discuss options for discharge of debt and was outright refused without any justification how a defunct school that used illegal practices would require repayment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted documentation to Experian proving that my auto loan account was never late and Experian refuses to update. It is costing me a home loan.
Product: Debt collection

I disputed this debt in XXXX of 2020. This is not me. I do not owe this company. I've never done business with this company. I want it deleted.
Product: Money transfer, virtual currency, or money service

Update to CFBP complaint : XXXX Paypal closed my account on XX/XX/XXXX and stated they would send email instructions to withdraw the remainder of the balance. It is now XX/XX/XXXX and I have not received any information regarding how to withdraw the remainder of the balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$12000.00} XXXX XXXXXXXX Balance : {$3100.00} XXXX XXXX XXXX XXXX : {$4600.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance XXXX {$0.00} XXXX XXXX XXXXXXXX XXXX : {$0.00}
Product: Credit card or prepaid card

Hi I have a problem with a online merchant about the service they provide. I filed my dispute with CITI bank, but they believe the evident that I provide are only good for a legal case ( since it's a merchant violation of contract ). Citi bank don't think they can chargeback the merchant for a legal case. In that case. I am writing a complaint here and hopefully I can get some legal documentation to push this dispute to the arbitration. 

Please see attachments I provide below.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Account as well as XXXX XXXX are showing late payments for me on my TransUnion and XXXX  credit reports. For XXXX XXXX it is showing a late payments for XX/XX/XXXX and XX/XX/XXXX and for XXXX XXXX its showing a late payment for XX/XX/XXXX. I have NEVER been late paying neither one of these accounts and this information is unverified and completely FALSE. These late payments are NEGATIVELY impacting my credit scores and needs to be addressed immediately. I have tried disputing these items previously with no conclusion or resolve.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello. I leased new XXXX XXXX from local dealer XXXX  XXXX in XXXX, XXXX . I asked them to mail my bills to my XXXX address, instead they made a mistake and were mailing my invoices to XXXX  address. Due to not getting reminders I was 30 days late once, so they filed 30 days late payment on to my credit report. I had tried to call XXXX and tried to dispute this info with credit bureau and XXXX still refusing to take it off. I also got a letter from local XXXX dealer, who sold me this car stating that they put wrong mailing address in their system, but even with that letter, XXXX credit department refused to delete late payment of off my credit.
Product: Credit reporting or other personal consumer reports

I am currently reviewing my TransUnion Credit report and there is an address reporting on my credit report that is not mine. 
Below is the address that I would like to have permanently deleted : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Payments that were marked late by your company for the following accounts : XXXX XXXXXXXX XXXX Account # XXXX It is my understanding that per 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ) my consumer report should not contain information solely as to transactions or experiences between the consumer ( me ) and the person ( you ) making the report. Payment history and the late payments associated with payment history negatively impacts my consumer report and are considered as part of my transactions and experiences between your company and me. Furthermore, I am requesting that you provide me with, in writing, the reasonable procedures ( according to 15 USC 1666 ( b ) ) that you have adopted to ensure that each periodic statement is mailed to me ( the consumer ) not later than 21 days before the payment due date. Include also, all the information required by Section 1637 ( b ) of Title 15. You have 30 days from the date that you receive this letter to provide me with the information that I am requesting. If you do not provide this information in the allotted time given, then it will be assumed that you can not verify the late payments on the dates specified above ( lacking reasonable procedures to ensure the accuracy of my account ) and I would timefore request that you remove the late payments from my account and consumer report with the following consumer reporting agencies ( XXXX, XXXX XXXX TransUnion or all that apply ) and update the accounts to positive. Please forward any changes to my account to the address below. Thank you for your time and consideration in this matter. I look forward to hearing back something positive. Regards, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Looking over my XXXX credit report i noticed that PNC Bank is reporting negative information about an account that was paid in full and closed. I have talked to PNC and they are staying their records are showing that everything is reporting correctly with no negative marks.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, DE XXXX Subject : Request for Method of Verification and Continued Dispute of Charge-Off Account # [ XXXX XXXX ] To Whom It May Concern, I am writing to follow up on my previous dispute regarding the charge-off listed on my credit report under the account # [ XXXX. I previously sent a dispute letter requesting the removal of this charge-off based on the 1099-C form I received, which indicates that the debt was canceled.

Under the Fair Credit Reporting Act ( FCRA ) 611 ( a ) ( 6 ), I am entitled to know the method you used to verify the accuracy of this charge-off. Specifically, I request : 1. The method used to verify the accuracy of this charge-off. 
XXXX. The name and contact information of the person or entity that provided the verification. 
XXXX. Copies of any documents or records used in the reinvestigation process.

The FCRA 611 ( a ) ( 1 ) requires you to conduct a reasonable reinvestigation of the disputed information. Since I have provided evidence that the debt was canceled, the charge-off should not be reported. If the information can not be verified, it must be deleted from my credit report as per FCRA 611 ( a ) ( 5 ) ( A ).

Please provide me with the requested information and update my credit report accordingly. I expect a response within the 30-day period allowed by law. 
Thank you for your attention to this matter. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT THESE 14 ACCOUNTS HAVE VIOLATED MY RIGHTS.

15 U.S. Code 6801- PROTECTION OF NONPUBLIC PERSONAL INFORMATION 15 U.S. Code SECTION 602 A STATES THAT I HAVE THE RIGHT TO PRIVACY 15 U.S. Code 1861 SECTION 604 A SECTION 2 STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN CONSENT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

I inherited my mother 's home in XXXX XXXX, which included the mortgage she had with US Bank ( It's US Bank mortgage account XXXX ). I notified US Bank of my mother 's death in XXXX and US Bank made me the successor on the mortgage. I made all the payments of principal, interest and escrow until XX/XX/XXXX of XXXX, when I paid off my deceased mother 's mortgage entirely and twice told US Bank to issue the escrow refund check in MY name and not my deceased mother 's. 10 days or so later, I received a check for my escrow made payable to my deceased mother. I called the bank and told them to reissue the check in my name. Nothing happened. I called the bank again remade the same request, was told the check would be reissued in my name and again nothing happened. Today I called the bank and told them to reissue the check and was told they could not reissue the check until 30 days passed. This is obviously an illegal tactic for the bank to hold onto it's mortgagor 's money for as long as possible. It's US Bank mortgage account XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

CONSUMER REQUEST FOR XXXX & NOTICE TO DELETE Consumer Gramm-Leach-Bliley Act Notice Sur-name : XXXX, Given name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Pennsylvania XXXX XXXX ZIP Exempt Non-domestic , without the UNITED STATES *NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT* Attention : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, Massachusetts XXXX United States Re : CONSUMER NOTICE OF GRAMM-LEACH-BLILEY ACT VIOLATION I Sur-name : XXXX, Given name : XXXX living man hereby puts XXXX XXXX XXXX XXXX and its CEO on notice of my Consumer notice R.I.C.O. and GRAMM-LEACH-BLILEY ACT Violation. Consumer demands included Cease and Desist from said racketeering activity. 


Request for information I am hereby requesting the following information in regards to this account CCS Company Account # XXXX Consumer is aware that any creditor or trustee with a fiduciary duty to XXXX XXXX XXXX XXXX XXXX XXXX XXXX or any other all caps corporate spelling of the Surety must have a copy of Social Security Administration Form 89 signed by the beneficiary ( name ) Form SSA-89 is ONLY GOOD FOR 90 DAYS. Please present form SSA-89 to consumer ( name ), living man and beneficiary of the Surety XXXX XXXX XXXX XXXX 

The federally protected consumer also understands NOTHING under the FCRA requires a financial institution to furnish negative information to a CRA Please be advised, a Trustee that is furnishing a collection to my consumer report is in violation of engaging in unlawful extortionate activities. Which the FTC defines as debt parking, and abusive, and unfair debt collection practices. 




Copy of state Department of commerce certificate Copy of Insurance certificate Proof that you are the licensed debt collector for this debt Validation of debt ( statements are not validation ) Proof of agreement Evidence you are the licensed debt collector Chain Of Title* Copy of First and last Gramm Leach Bliley Act SSA-89 Form SIGNED BY CONSUMER XXXX XXXX XXXX ( name ALL CAPS ) Copy of the 1099C cancellation of debt Date of first delinquency Copy of arbitration agreement Copy of the gramm leach bliley act disclosure A list of people you sent my information to An authenticated record of accounting/ledger from the date the account opened I am giving your company 14 days to provide all the following information above via mail in good faith. If your company refuses to mail me all the information I am requesting above ; please DELETE the account from my credit report. 

Thank you for your time. In good faith, XXXX : XXXX agent and Beneficial owner XXXX XXXX XXXX XXXX XXXX Corporation.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Finical Protection Bureau ( CFPB ) the document needed a letter from the advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX according to XXXX XXXX XXXX 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business day, pursuant to section 605c of the Fair Credit Reporting Act. i am a XXXX XXXX XXXX XXXX of DeXXXX bondage and would like for all listed accounts to be blocked and deleted company information transunion please delete the following accounts. XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX XXXX XXXX XXXX XXXX XXXX : {$69.00} XXXX XXXX XXXX XXXX Balance : {$5000.00} XXXX  ( Original Creditor : XXXX  ) XXXX Balance : {$1500.00}
Product: Vehicle loan or lease

In XX/XX/2023 my mother had became ill and had a XXXX. my hours was reduced to twenty hours a week because i had to care for my mother. I was making small payments at the time which capital one was fine with. Reaching XXXX, XXXX capital one had reached me and asked me to make three payment arrangements-promise to pay. The representative at the time had told me that capital one wouldnt report me late to the credit bureaus since i hace mad a promise to pay and if i had paid as agreed. I have paid as agreed. In XXXX, XXXX, Capital one have reported me late to the credit bureaus, destroying my credit score. they have lied to me because they didnt keep their agreement as i have done. I have paid the payment plan and was current before they have reported.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent disputing letters in XXXX of 2021 to XXXX and Equifax to remove inaccuracies of my personal information and collections they refused to remove it.
Product: Debt collection

I am not liable for this debt with XXXX XXXX XXXX XXXX XXXX and I do not have a contract with ARS plus they did not provide me with the original application like I asked. i demand these account be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted and may have got into the hands of the wrong person. 
Account No : XXXX Amount Disputed : {$550.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ATTN : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date : XX/XX/2022 Reference Account XXXX Late Payment XX/XX/2022 This is a notice of dispute pursuant to the Fair Credit Reporting Act, section 623, subsection ( 8 ) ( D ). The specific information being disputed is the derogatory nature of the information you have furnished to the credit reporting agencies in connection with the above mentioned account. The basis for my dispute is your company was required to notify me prior to, or no later than 30 days after furnishing the negative information to the consumer reporting agencies, in writing that such furnishing of information was going to take place. This notification is required under the FCRA, section 623, subsection ( 7 ) ( A ). However, I am unable to locate documentation you complied with this requirement. Therefore, provide me proof of notification ( i.e. a copy of the actual notification sent ), and proof that it was delivered to me in a timely manner ( i.e. a dated certified mail delivery confirmation with my signature ). If you can not provide proof of notification and date of receipt, then you can not substantiate you followed the procedures required under the Fair Credit Reporting Act. In addition, by not being able to substantiate you performed your duties imposed under that title, you are now in direct violation of it. Therefore, the continued reporting of negative information to the credit reporting agencies in connection with the above mentioned account may constitute the furnishing of false information with malice or willful intent to injure me. Truth is reporting this information to the Consumer Reporting Agency ( XXXX, Equifax, and XXXX ), has ruined my reputation, and I have a family to support and am looking for housing to ensure my child has a quality education. To correct this error I suggest you modify the account accordingly, report the results of your investigation to the consumer reporting agencies to which you furnished the information, and provide me written verification thereof. You have 30 days from the date you receive this notice to complete your investigation and respond pursuant to the Fair Credit Reporting Act, section 623 ( 8 ) ( E ) ( iii ). In the event you fail to respond to this dispute or provide insufficient proof of notification and date of receipt, I will have no other choice but to seek administrative enforcement with all applicable agencies identified in section 621. Pursuant 15 USC 1666b, a creditor may not treat a payment on a line of credit late for any reason/purpose without due process required in section 15 USC 1637b , is mailed to the consumer not later thank 21 days BEFORE the payment DUE date. In addition, I may also seek the assistance of a legal firm specializing in class action lawsuits. Thank you in advance for your cooperation. Sincerely, XXXX XXXX XXXX Attached is proof of identification and a current bill, identifying me and will suffice throughout all future correspondences.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account : XXXX XXXX # XXXX Date open XX/XX/XXXX Amount {$1300.00} Account : XXXX XXXX # XXXX Date open XX/XX/XXXX Amount {$4400.00} Account : XXXX XXXX # XXXX Date open XX/XX/XXXX Amount {$6100.00} THE ABOVE ACCOUNTS ARE NOT MINE. I HAVE DISPUTED ACCOUNTS WITH EXPERIAN AS WELL AS XXXX XXXX AS NOT MY ACCOUNTS SEVERAL TIMES IN WRITING. ACCOUNTS STILL REMAIN ON MY CREDIT REPORT. 
I specifically, deny that these alleged accounts/debts and/or accounts stated/implied and/or obligation is certainly NOT mine, if this alleged account/debt and/or account stated/implied is certainly NOT mine, I deny that these account/debt and/or account stated/implied and/or obligated to is NOT authentic and supported by VERIFIABLE and AUTHENTICATED ( under penalty of perjury ) loan-level documentation under the FDCPA 1692g ( a, b ). I affirm this alleged account/debt was established without my knowledge, prior consent nor expressed permission. I acknowledge that this alleged account/debt and/or account stated/implied and/or obligation is false, misleading and deceptive ( 1692e ( 2 ) ( 10 ) ) in nature & that there is no VERIFIABLE & AUTHENTICATED contractual agreement nor obligation specifically with XXXX XXXX or any of its Affiliates nor have I ever engaged in any business with XXXX XXXX in the past and this trespass against me is a result of identity theft. I affirm that this alleged account/debt and/or account stated/implied is false, a grand misrepresentation of my good name, and has caused me injury for which I will seek redress, compensation, and settlement. I specifically demand within XXXX days of receipt of this affidavit, unmodified, original verifiable valid proof of claim on all claims of alleged accounts stated and/or implied by sworn affidavit under penalty of perjury to the location aforementioned above. I intend on seeking remedy for damages, equitable relief, and just compensation for any and all violations of my consumer rights and any other rights not mentioned.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Report Act. This creditor has violated my rights. Under 15usc 1681 section 602 state I have the right to privacy. 15usc 1681 section 604A section 2 it also states a consumer report agency can not furnish my account without my written instructions. Under 15usc 1666B a creditor may not treat a payment on a credit card account under and open a consumer credit plan as late for any purpose
Product: Debt collection

XXXX   XXXX ,  2015 {$6 70.00} Money and a whole lot of stuff was stolen from me at this address. Put my 30 day notice in and was on a month to month rental agreement. Charges are ridiculous as I went to   XXXX   XXXX   and repaired part of the same thing and was only  XXXX  dollars. The carpets were not changed out. As I have experienced putting in carpet before. They said the carpet would be put in, a lot more day 's and hours than needed. What, the company did or is trying to do. Is charge and fee me for the new carpet to be put in. For another tenant. I never got the new carpet put in when first moving in. As, I know this could and can be done in one hour. The company has put this, matter into collections and has damaged my  credit score and  credit scores. A free country my opinion, a slum lord.
Product: Debt collection

Phone number they call from varies, but the phone number today is XXXX. They keep getting caught in my spam filter, so they WILL NEVER reach me. I do not want to receive calls from them, as I do not know why they keep calling. 

if they say I owe a debt, they MAY ONLY communicate with me via USPS. Debt validation is required, along with PROOF that they rightfully own the debt. I will not accept any previous billing statements as proof they own the debt, if I even have one, also, the balance, payment history, and name of original creditor is demanded. I don't know why they are even calling me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently checked my credit report and noticed that I have unauthorized inquiries and information that I didnt give my consent! I want all of these inquiries removed from my credit report asap!