23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, 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 accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Every ( Bureau ) shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at Bureau is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} and XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$40000.00}.
Product: Debt collection

I received a recent collection notice requesting payment of {$80.00} for an alleged past due account with XXXX XXXX who I am a current, longstanding, good customer with. This is the XXXX time I have heard of this company Credit Protection Association, LP or this debt. I was never sent a notice of right to dispute nor have I previously been contacted by mail or telephone regarding this alleged debt.
Product: Credit reporting or other personal consumer reports

I did not provide explicit written or permission for these companies that are listed below to report any information that you have on record. My rights and my privacy are being violated. I am demanding that you follow the laws 15 usc 1681c-2 which state that these accounts must be blocked and remove any information that I have identified as the result of identity theft. These accounts must be removed within 4 Business Days of receipt.
Product: Mortgage

I have a VA homeloan managed through Freedom Mortgage. They are not easy to communicate with. They have a XXXX  call center for their phone number and I can not accurately communicate with anyone when I call for information about my Escrow account. I ask to be re routed to statestate service and then sometimes I am connected to someone who is working from home that has XXXX knowledge about Escrow account information. I requested they mail me my Escrow analysis and they did not mail me anything. I check my account with them online and the Analysis for the escrow has been changed or doctored and does not reflect accurate information as far as my County Taxes and Home Insurance. Freedom Mortgage is a nightmare to try and communicate with and I have a recorded conversation where I am trying to get them to explain my Escrow account and they simply can not do so. They wont escalate my call to someone with more seniority or expertise. I feel helpless as a Veteran who is trying to keep up on my home loan which is a VA homeloan and backed by the FDIC. 
Statement dated XX/XX/XXXX stats inaccurate current payment amount of {$1900.00} and a new payment amount of {$1900.00} effective XX/XX/XXXX. The projected min balance was listed {$190.00} with required min balance {$470.00}. Resulting in shortage amount {$270.00}. This does not add up since my escrow payments through XXXX were {$210.00} per month X XXXX = {$2500.00}. My County Tax was {$1800.00} and home insurance was {$1000.00} so thats {$2800.00} which leaves I assume $ XXXX $ XXXX {$260.00} but they are saying I have a shortage of {$270.00}.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES 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. 

Account Name : XXXX XXXXXXXX XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/year>
Product: Debt collection

My credit monitoring company advised me that this company submitted a collection to my credit file. I have never done business with them and have received no communication from them. I called them and they told me the debt was from a past medical visit but I have no written paperwork to confirm this and they have already negatively impacted my credit report. I would like this collection removed from my credit report immediately. I never did business with this company.
Product: Checking or savings account

I am writing to formally express my concern and dissatisfaction regarding the restriction of my business accounts, which has been ongoing for over a week and a half. This restriction has been imposed due to a mistake made by one of chase bank officials during the process of opening a new account.

The affected accounts are critical to the operations of my business, which operates under federal guidelines and is protected by the Perishable Agricultural Commodities Act ( PACA ). This restriction has brought my business to a complete halt, causing significant financial and operational hardship.

Despite my repeated attempts to resolve this issue, I have encountered the following challenges : 1. Inconsistent Information : Each time I call, I am provided with conflicting information regarding the status of the restriction and the steps necessary to resolve it.

2. Untrained Staff : It has become evident that the official handling my account lacked proper training, which led to the error causing this restriction.

3. Delays in Resolution : Despite the urgency of the situation and my ongoing communication with your representatives, there has been no clear or timely resolution. 

The lack of clarity, consistency, and urgency in resolving this issue is unacceptable, particularly given the nature of my business and its federal protections.
Product: Credit card

In XX/XX/XXXX I entered into a Coaching contract for Real Estate. The contract was a 12 month contract, however, there is a part in the contract that reads, if after the first 6 months, you may cancel your contract by phone call or email. So I emailed and said I wanted to cancel. ( Due to money and going in for XXXX I would be off work for 6 months ) I received a response saying I was denied. I sent another email saying I 'm sorry I am canceling the automatic withdraw. I contacted Chase, I believe XX/XX/XXXX also and explained the situation. At first they did n't let the money go. The next month they started allowing it again. I continued calling. Finally started disputed by mail. They allowed the company to continue to withdraw for 6 months, plus an additional month. They said the company sent them a copy of the contract. However, the company did not include the part that read you could cancel after 6 months. I sent that to chase. I had to send it XXXX times because they kept telling me they never received it. I have been disputing this for over a year. Letters after letters, phone calls after phone calls. They keep saying they will investigate, then send me a letter saying their sorry but they disagree with the dispute. I call to speak to someone about the matter and they tell me someone will get back to me within 7 days. No one, in a year has ever gotten back to me ... until this last time i called. She was very rude, said I sorry you are denied the dispute the investigation is over. Not only am I still paying on that money, I am paying interest. I appreciate your help. 
Thank you,
Product: Mortgage

I have made my payments to West Coast Servicing on time and in the correct amount. West Coast Servicing has notified me that the terms of the loan have changed and that I have/had no say in the terms of the loan. The loan is not collateralized and West Coast Servicing has informed me they intend to foreclose. I have contacted them and asked for mitigation of the loan. They have not responded to me other than sending monthly statements which do not explain the charges. I have written to them offer a payoff amount and they have not responded to me. I would like to draw your attention to the fact that West Coast Servicing has not been compliant in the following ways : 1. The servicer must establish or make good faith efforts to establish live contact 2. The servicer must inform the borrower about the availability of loss mitigation options 3. The servicer must assign personnel ( which can be one or more persons ) XXXX to the delinquent borrower, or an authorized agent of the borrower, who will be available via telephone, immediately or in a " timely manner 4. The personnel assigned should be able to respond to the borrower 's inquiries and assist the borrower with available loss mitigation options 5. The servicer must enclose a separate page with the periodic statement or in a separate letter : including the date the borrower became delinquent 6. The servicer must include an account history covering the period since the account was last current or for the last six months, whichever is shorter, and showing for that period the amount past due from each billing cycle and the date on which any payment was credited as fully paid ; 7. If the borrower does provide any information that would be evaluated as part of a loss mitigation application, the provision of the information IS an application. 
8. the servicer must review the loss mitigation application to determine if it is complete. This must be done promptly after receipt of the application. 


Thank you, XXXX XXXX
Product: Credit card or prepaid card

Date : XX/XX/2022 Time : XXXX Amount : {$6.00} Website Given : XXXX Date : XX/XX/2022 Time : XXXX Amount : {$4.00} Website Given : XXXX This one gave a fake fraud number : ( XXXX ) XXXX I checked my account on XX/XX/2022 when I noticed I was missing money. Upset, and trying to figure out where it went. I called my cards customer service number and they gave me all this info I'm sharing with you. The top one is a dating site. The last one, I have no clue. After contacting both, the date site wouldn't reveal who it was. The bottom, they wouldn't reveal and gave me another customer service number that were supposed to be to the fraud department. Instead, it was to some XXXX XXXX customer support. The number given was ( XXXX ) XXXX. They kept avoiding my questions and trying to get more personal info I would not share.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account : # XXXX, of XXXX XXXX XXXX # XXXX of 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 a account without my written instructions Plus The dates of the Creditor for These Accounts are incorrect on all three Credit reporting agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried repeatedly to freeze our credit report account with Equifax. 

I first applied on line on XX/XX/18, but at the end of the process, I was told a pin would be sent to me, without which they could not freeze the account. No pin was sent. 

I then called them on XXXX on XX/XX/18, and after answering over a dozen security questions going back to addresses and accounts we had decades ago, I was told I had failed to answer his questions and had to verify my identity by sending them a large number of documents. Since I had answered all his questions to the best of my ability, I asked which I had failed so I could look them up, but he refused to tell me. At this point, I asked to speak to a supervisor. 

We then went through all the same questions again, with the same result. I felt that sending them the documents they requested was unduly cumbersome and uncalled for, and so I refused to send them, saying that I would file a complaint with the CFPB. 

I believe that Equifax is deliberately obstructing our ability to freeze our account as they are required to do by law and request that the CFPB investigate their obstruction.
Product: Credit reporting or other personal consumer reports

To whom it may concern, While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Ace Section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my social security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.
Product: Debt collection

So on XXXX XXXX I was diagnosed with XXXX, it was so severe I had to be in the hospital I explained to my landlord I lost my job due to my illness. 
I had just got this apartment two weeks ago that month, and they are now putting it on my credit report that I owe {$8700.00} dollars. 
When in reality I hadnt moved my stuff in, and I hadnt moved in yet officially because I was ill. 
I need this removed so now that I am recovered I can get a new apartment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not consent to, authorize, nor benefit from any of the following inquires. Block and remove them. XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX
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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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.
Product: Credit reporting or other personal consumer reports

Midland Credit Management , Inc . 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Reference # XXXX NOTICE OF DISPUTE To : Midland Credit Management , Inc., agents, representatives, & employees I, XXXX XXXX XXXX, a consumer, am notifying you that I dispute this alleged debt pursuant to 15 USC 1692g. I REQUEST THAT YOU PROVIDE ME WITH VERIFICATION OF THIS ALLEGED DEBT. VERIFICATION CONSIST OF PROOF THAT THIS ALLEGED DEBT BELONGS TO ME, A FORMAL DECLARATION IN WHERE YOU SWEAR TO THE TRUTHS OF THE STATEMENTS OF THE FACTS OF THE MATTER, HAVE FIRST-HAND KNOWLEDGE AND MUST BE NOTARIZED. 

Since this debt is disputed pursuant to the Fair Debt Collection Practices Act, you are required to cease all collection of this alleged debt which includes reporting to my consumer report with XXXX, XXXX, AND XXXX. 
I hereby inform you that you do not have my consent to communicate with me through any medium. Furthermore, I DID NOT consent to you having my personal and private information. This constitutes aggravated identity theft. I also DID NOT consent to you reporting information in my name to the consumer reporting agencies. 

The original creditor is in noncompliance with the Privacy of Consumer Financial Information Rule of the XXXX XXXX XXXX XXXX for sharing my nonpublic personal information to non-affiliated third parties and not providing me a notice that complies with section 6803 and giving me the opportunity to opt out pursuant to 15 USC 6802. This notice makes you an accomplice.

I request that you provide me the Aggravated Value Of Purchase showing how much you paid for this debt. IT IS A MATERIAL MISREPRESNTATION FOR YOU TO ATTEMPT TO COLLECT ANY AMOUNT MORE THAN WHAT YOU PAID FOR THIS DEBT WHICH IS FRAUD UPON THE COURT AND FALSE & MISLEADING. 
THIS IS A WARNING!!! YOU HAVE VIOLATED MY RIGHTS AS A CONSUMER AND IF YOU DO NOT CEASE ALL COLLECTION ACTIVITIES AND REQUEST FOR THIS ACCOUNT TO BE DELETED FROM MY CONSUMER REPORT, I WILL COMMENCE A CIVIL ACTION AGAINST YOUR COMPANY, IN THE UNITED STATES DISTRICT COURT. 


Sincerely, XXXX XXXX XXXX.
Product: Student loan

Since XX/XX/XXXX up until XX/XX/XXXX I made payments totaling {$5400.00} to ED Financial. Then XXXX XXXX announced that student loan debts would be cancelled and that qualifying payments made starting XX/XX/XXXX onward could be returned to the borrower. I took advantage of this opportunity and received partial repayment of {$3300.00} back in XX/XX/XXXX. However, I never received the remaining {$2000.00} but my current account balances reflects that I did. I would like my loan balance to reflect that I never received the {$2000.00} refund. I sent several emailed and made phone call attempts but the hold times are hours long. I did receive statements for the amounts I paid from XX/XX/XXXX to present which verified the discrepancy with my balance but nothing has been done to amend the situation and no one is able to help so Im turning to you. 

Thank you, XXXX XXXX
Product: Vehicle loan or lease

Our account was in collections and we had the motorcycle for sale through a dealership. We ordered a payoff on a Saturday and they said they would send it, never did. Took over a week to get the payoff and it had a per diem. Got the vehicle paid off using the per diem and then they wanted an additions {$240.00} dollars. EVEN THOUGH it was not on the payoff. I have attempted to rectify this situation for over a year and they don't care. There were so many things they did which were illegal but I did not have the calls recorded. I will NEVER use HD financing ever again. Even though I showed them the payoff and the per diem listed for the 10 days ( and it was paid off in 10 days ) they would not honor it. Now this collection is causing employment issues. I've got to get this corrected. 

XXXX XXXX XXXX out of XXXX, TN was involved in this and they even said it was the worst they had ever experienced. Somehow they got the title and XXXX XXXX XXXX still shows I owe money. How is this possible?
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear Early Warning Services, I am writing to formally dispute the fraudulent bank accounts that have been reported under my name and request their immediate removal from my record. 

Upon reviewing my consumer report, I found accounts I did not open or authorize, which I believe resulted from identity theft. The details of the accounts in question are as follows : 1. Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 am writing to ask for an investigation of accounts I have never opened. Please remove these from my Early Warning report. Ive attached a copy of my report. Remove the unauthorized inquiries. 

In accordance with the Fair Credit Reporting Act, I request that you investigate these accounts and remove this fraudulent information from my report. I appreciate your attention and look forward to your prompt resolution. 

Thank you for your cooperation. 

Sincerely, XXXX XXXX