23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, TX XXXX Date of Birth : XX/XX/XXXXXXXX  SSN : XXXX Date : XX/XX/XXXX Experian Information Solutions Inc . 
XXXX XXXX XXXXXXXX XXXX, TX XXXX XXXX : XXXX Dear Sir/Madam : Upon reviewing my credit report, I have identified certain incorrect information that needs to be corrected immediately. Below, I detail the inaccurate information that should be removed, as well as the correct information that should be reflected in my credit report : Incorrect Information to Be Removed : Incorrect Name ( s ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 have attached a copy of my government-issued identification and a utility bill to substantiate the accuracy of my correct personal information. This documentation should help expedite the verification and correction of the information in my report. 

Additionally, I believe that these informational errors may be affecting my credit score and could potentially result in unjust credit denials or misrepresentations of my identity, with the risk of associating me with fraudulent activities. 

Request for Investigation and Procedures Pursuant to Section 611 ( a ) ( 6 ) ( B ) ( iii ) of the Fair Credit Reporting Act ( FCRA ), I request a detailed summary of the procedures used to verify the accuracy of the information on my report. This summary should include all steps taken during the reinvestigation. 

Additional Request Please note that any automated response generated through the e-OSCAR system will be considered insufficient to resolve this dispute. I demand a thorough manual investigation and a personalized response addressing each of the points raised, in full compliance with applicable legal requirements. 
I also request that all phone numbers listed on my credit report be removed, as I have been a victim of unsolicited robocalls. Additionally, I would appreciate confirmation of receipt of this dispute and periodic updates on the status of the correction, using the mailing address provided above. 

Request for Correction I request that you promptly correct this information, as these errors can harm my credit history and misrepresent my identity. Pursuant to Section 611 of the FCRA, I request the removal of any inaccurate or negative information from my credit report, and I expect to receive an updated report reflecting these corrections within 30 days, as required by law. 

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

Sincerely, XXXX XXXX XXXX
Product: Debt collection

To Whom It May Concern : I am writing this letter in response to the phone letter received from you on XXXX XXXX, 2016. In conformance to my rights under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting you to provide me with a validation of the debt that you talked of earlier. Please note, this a not a refusal to pay, rather a statement that your claim is disputed and validation is demanded. ( 15 USC 1692g Sec. 809 ( b ) ) I do hereby request that your office provide me with complete documentation to verify that I owe the said debt and have any legal obligation to pay you. 
Please provide me with the following : 1. Agreement with the creditor that authorizes you to collect on this alleged debt 2. The agreement bearing my signature stating that I have agreed to assume the debt 3. Valid copies of the debt agreement stating the amount of the debt and interest charges 4. Proof that the Statute of Limitations has not expired 5. Complete payment history on this account along with an accounting of all additional charges being assessed 6. Show me that you are licensed to collect in my state ; and 7. Your license numbers and Registered Agent If your office fails to reply to this debt validation letter within 30 days from the date of your receipt, all instances related to this account must be immediately deleted and completely removed from my credit file. Moreover, all future attempts to collect on the said debt must be ceased. 
Your non-compliance with my request will also be construed as an absolute waiver of all claims to enforce the debt against me and your implied agreement to compensate me for court costs and attorney fees if I am forced to bring this matter before a judge.
Product: Mortgage

XXXX TO CASE : Case number : XXXX Involving XXXX XXXX XXXX process attorney McCalla Raymer LLC .MCCALLA RAYMER LLC FORECLOSURE MILL ASSEMBLY LINE, McCalla Raymer , LLC ( hereinafter " McCalla Raymer '' ) is a law firm incorporated in the state of Georgia , their principal place of business is XXXX , XXXX, XXXX. McCalla Raymer acting for and on the behalf of its ' clients XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX and XXXX has instituted and pursued non-judicial foreclosures of Georgia Security Deeds against the property of Plaintiffs described above with full knowledge that it lacked authority to do so, and has imposed similarly illegal foreclosures upon XXXX of similarly situated residents of Georgia. Defendant continues to prosecute XXXX such foreclosures against citizens of Georgia. XXXX XXXX XXXX ( hereinafter " XXXX '' ) conducts business as an electronic loan registry for the mortgage finance industry, their principal place of business is XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXXReported Lender : XXXX XXXX XXXX, XXXX. ( hereinafter " XXXX XXXX XXXX '' ) is a federally chartered bank, their principal place of business is XXXX XXXX XXXX XXXX, XXXX, NC XXXX. 
MCCALLA RAYMER LLC FORECLOSURE MILL ASSEMBLY LINE, XXXX XXXX XXXX XXXX ( hereinafter " XXXX XXXX XXXX '' ) is a XXXX XXXX, incorporated in XXXX, which owns multiple companies, each of whom provides some aspect of foreclosure, bankruptcy, loss mitigation, and loan settlement processing service, tax examination, title search, and other document management services. XXXX ' companies provide outsourced foreclosure processing services in XXXX states and bankruptcy processing services in all XXXX states. 
XXXX XXXX XXXX, XXXX ( hereinafter " XXXX '' ) is a private equity firm, incorporated in XXXX, who owns XXXX of XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX 's principal place of business is XXXX XXXX XXXX XXXX, XXXX XXXX. 
WHEN BANKRUPTCY FILED, ATTORNEY REPORTED MCCALLA RAYMER LLC WILL FILE SOMETHING CALLED CONTESTED MATTER TO RETURN TO COURT TO DISMM WHAT THEY CALL MOTION FOR RELIEF FROM AUTOMATIC STAY.THIS NEED NOT OCCUR AND BE TERMINATED IF IT HAS BEEN FORWARD. OTHER DOCUMENTS OF FRAUDENT STATUS HAVE BEEN RECOVERED AND ALSO CONVERSATION WITH ROBO SIGNERS HAVE BEEN ESTABLISHED RELATED TO XXXX XXXX XXXX PAST XXXX AND MCALLA RAYMERS ASSOCIATES. CURRENTLY RECIEVING PREMISSION AND NOTARY STATEMENTS TO RELEASE THESE DOCUMENTS.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. Experian, XXXX and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX Balance : {$26000.00}
Product: Credit reporting, credit repair services, 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, Account # XXXX has violated my rights XXXX XXXX XXXX XXXX, Account # XXXX has violated my rights XXXX XXXX XXXX XXXX, Account # XXXX has violated my rights XXXX XXXX XXXX XXXX, Account # XXXX has violated my rights XXXX, Account # XXXX has violated my rights Inquiries : XXXX XXXX XXXX has violated my rights XXXX XXXX has violated my rights XXXX XXXX XXXX has violated my rights XXXX XXXX XXXX has violated my rights XXXX XXXX XXXX has violated my rights XXXX XXXX XXXX has violated my rights XXXX XXXX XXXX XXXX has violated my rights 15 U.S.C 1681 section 602 A. states I have the right to privacy 15 U.S.C 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) section states : no consumer reporting agency many 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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XX/XX/year> Consumer Financial Protection Bureau ( CFPB ) Subject : XXXXormal Complaint Against Equifax Information Services for Failing to Update or Correct Inaccurate Information Dear CFPB Representative, I am writing to file a formal complaint against Equifax Information Services for failing to update and correct inaccurate information on my credit report, despite my repeated attempts to resolve the matter and my compliance with the requirements of the Fair Credit Reporting Act ( FCRA ), codified under 15 U.S.C. 1681.

Issue Summary : On XX/XX/year> ], I identified inaccuracies in my credit report as provided by Equifax. The inaccuracies pertain to XXXX credit card, the specific issue, including inaccurate balance, Utilization reported incorrectly, etc. ]. I promptly submitted disputes to Equifax and included supporting documentation to substantiate my claims, such as [ e.g., payment records, card statements Despite this, Equifax has failed to : Conduct a reasonable investigation into my dispute as required under 15 U.S.C. 1681i.

Update my credit report to reflect the accurate information.

Details of Violation : Equifax 's continued failure to update my credit report violates 15 U.S.C. 1681e ( b ), which requires consumer reporting agencies to ensure the maximum possible accuracy of the information they report.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), Equifax is obligated to investigate disputed information within 30 days and correct any inaccurate information. Despite this legal timeframe, my credit report remains incorrect, even though I have provided ample supporting documentation.

Impact on Me : This inaccuracy has negatively affected my creditworthiness, potentially hindering my ability to access credit or obtain favorable interest rates. Moreover, the undue stress and inconvenience of repeatedly disputing the same issue are unacceptable.

Resolution Requested : I request that Equifax : Immediately correct or modify inaccurate information on my credit report.

Provide written confirmation that the inaccuracies have been resolved. compliance with the FCRA to prevent similar issues in the future.

I kindly ask the CFPB to investigate this matter and take appropriate action to hold Equifax accountable for failing to fulfill its legal obligations. Enclosed with this letter are copies of the following supporting documents : My credit report highlighting the inaccuracies Supporting evidence Credit Card Statement and a screenshot of my credit card showing a {$0.00} Balance with a {$200.00} credit balance I appreciate your attention to this matter and look forward to a timely resolution. 
Sincerely,
Product: Money transfer, virtual currency, or money service

Back in XX/XX/2020, I was scammed via XXXX. A friend of mine contacted me via XXXX ( which she regularly did ), and asked me for XXXX dollars. Since we are good friends, I told her I could only send her XXXX, which I did to the email address she provided. I called her immediately to confirm, and she then told me a hacker had gone into her XXXX account and was texting various of our friends. I tried calling my bank, but it was XXXX XXXX, so I contacted FTC instead. Since that day, I've been filing various reports with my bank. They refuse to refund me.
Product: Debt collection

I received a request from XXXX XXXX XXXX for payment of the amount of {$3400.00}, dated XX/XX/XXXX. I disputed the validity of the alleged debt in its entirety as I did not incur it and believe it is based upon a fraud using my name. I received no response. 

Previously, I received a similar notice from Frontline Asset Strategies dated XX/XX/XXXX claiming that I owed a debt of {$3400.00}. I disputed that claim by an electronic submission on XX/XX/XXXX. On XX/XX/XXXX, Frontline responded by sending me a form entitled XXXX Fraud Management. As instructed, I made a Consumer Report To The FTC, and completed and submitted the XXXX Fraud Management form and attachments on XX/XX/XXXX. ( Copy attached ). I heard nothing further about this matter from Frontline Asset Strategies or XXXX and assumed that it was resolved. 

It appears that XXXXXXXX XXXX claimed the same debt I disputed and reported as fraudulent more than a year previously. I dispute that this debt is valid, and I dispute the validity of your claim in its entirety. 

I also reported this matter to the NY Department of Financial Services. They reportedly attempted to contact Frontline but received no response.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a credit card with XXXX XXXX. I am not disputing anything on my credit reports in regards to my card On my XXXX XXXX report it states this in the status / remarks comment section " Account information disputed by consumer, meets FCRA requirements. I am not disputing anything with my XXXX XXXX XXXX with XXXX XXXX. On my Equifax regarding the same XXXX XXXX Account. The remarks section says " Consumer disputes this account information ''. The remark section should be blank. I am not disputing anything with XXXX XXXX
Product: Credit reporting or other personal consumer reports

Thank you for addressing and removing some of the inaccuracies in my credit report. There are still a few items left that require further removal. I am reaching out for the fourth time to inform you that my credit report contains erroneous details that have caused me harm. I am disputing these specific items in my file, as they stem from this issue. The items in question are not associated with any transactions involving the acquisition of goods, services, or money that I have initiated or authorized. I request that you remove any information in my credit file that has resulted from these inaccuracies : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 am unfamiliar with these items, and I have concerns about the accuracy of the information provided. Additionally, these items have already been removed from other bureaus, and the reported payment history on them remains unclear to me. As stipulated by FCRA 605B ( c ) ( 1 ) ( C ), you have the authority to rescind.
Product: Debt collection

Hello all, After several attempts to get information about the price increase for services, he was refused and tried to close his account, explaining that he found another company that provides the same service for a lower fee. The company XXXX XXXX XXXX refused to provide services at the previous rates and despite the fact that I have been their customer for several years, they decided to increase the rates, explaining it as an increase in prices. I refused and asked to cancel my account because I had already canceled the company, but as it turned out later, they did not cancel my account and tried to bargain so that I continue to remain their client. I explained that it was too late and I changed insurance services. XXXX after some time I received information that my account was not canceled and I have a debt I changed the terms and settings in my profile. I asked for confirmation of these words and explained that the monopoly does not work here and I do not understand where my debt comes from. I also had to call again and request that my account be canceled again. I did not receive an explanation of who and why did not close my account, why the terms were changed, and who and what changed the settings in my account. It looks like the company is trying to get the customer back and when they can't, they pressure and force them to pay additional fees please help Thank You
Product: Credit reporting, credit repair services, or other personal consumer reports

NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617/// THIS COMPANY IS REPORTING AN ACCOUNT ON MY CREDIT THAT IS NOT MINE/INACCURATE.FRAUD. I DID NOT GIVE NY PERMISSION TO REPORT THIS ACCOUNT AND I WAS NOT NOTIFIED THAT THIS ACCOUNT WAS OR WILL BE REPORTED TO MY CREDIT REPORT. 


XXXX, XXXX  AND TRANSUNION HAS A COLLECTIONS ON MY FILES THATS NOT MINE.. 
XXXX IS NOT MINE.
Product: Checking or savings account

Chime send me an email XX/XX/27 that they closed my account. No reason. And no notice. I called and the automated service said that in my situation, my only option was to contact via email. And that would take 5 business days. I made a comment on their post of XXXX. They asked me to " dm '' them my email. When I did, I got another automated response to email them. I tried everything. I was completely blind sided. I'm a single mom with no job. I only use my account to pay bills using money shared with my boyfriend. He is a chime customer, he sends me money via chime to pay the rent and bills.
Product: Mortgage

What do you think would be a fair resolution to your issue? 
should have forbearance from XXXX to XXXX ( when I became employed ). 

Then from XXXX, I would be due the outstanding balance and be back on my original loan. 

However, Freedom Mortgage failed to process my forbearance. Instead, they are restructuring my loan at a higher rate and with a higher principal to capture the amount that should have been on forbearance because they failed to process my forbearance in a timely manner in XXXX. 

I requested the forbearance in XXXX and the forebearance should have been processed in XXXX before I became employed in XXXX. However, due to Freedom Mortgage 's negligence, the forbearance was never processed and instead, Freedom Mortgage is restructuring my loan since we are now in XXXX. 

Please process the forbearance with a date of XXXX and update my accounts. 
Please send me the full amounts due as of XXXX XXXX, 2016 and I will issue payment. 

Then I will be back on my original loan with the original principal and interest rate rather than the inflated principal and interest rate as a result of Freedom Mortgage 's negligence. 

Once the forbearance is on my account, then the credit bureaus will need to be contacted to revise my credit scores since I am not past due but in forbearance. Then my credit will be better so I can move to another lender in a year. 

Right now, because Freedom Mortgage has failed to process the forbearance and is moving to a loan restructure, I have a more negative credit as a late payment rather than loan on forbearance. This makes it impossible for me to move to another lender in the future and forces me to remain with Freedom Mortgage at a higher principal, higher interest rate and in a loan restructure I did not consent to. 

Had they processed the forbearance request in a timely manner, then I would just pay my amounts due as of date of first employment and be back on my original FHA loan. 

Freedom Mortgage is using their own negligence to force me into a new loan with them and exclude me from being able to borrow from someone else and get away from their unprofessionalism.
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 items that need to be investigated and corrected : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX NA XX/XX/XXXX XXXX XX/XX/XXXX
Product: Mortgage

Seterus mortgage asked for proof of flood insurance. Sent it as requested but kept getting letters saying they did not receive it.Ending up sending it XXXX times and following up with a phone call. Finally they acknowledged they received it. then a month later they took money out of escrow to purchase flood insurance that i already proved I had.Numerous calls to resolve this have resulted in being put on hold forever, being told they would investigate and call me back which they never do, or saying its been fixed which it has n't I am on a fixed income and need the money back in escrow to pay taxes which are due in a few months. They are causing a severe emotional and financial harddship over such a simple thing
Product: Credit reporting or other personal consumer reports

This morning, I noticed some incorrect accounts appearing on my credit report, and I have no idea how they got there. I regularly check my credit report, but this time, I found unexpected discrepancies. I even refreshed my browser to see if it was a glitch, but the inaccurate accounts remained. Because of this, I am requesting a thorough review of the documents I have submitted so that I no longer have to worry about this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the XXXX XXXX Report and other furnished XXXX XXXX, XXXX XXXX, inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction.Under the Fair Report Act, you are required to comply. My address should be listed as XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX, XXXX XXXX. The following addresses are not mines please delete or remove them from my credit report they are inaccurate as reported : XXXX XXXX XXXX, XXXX, XXXX   XXXX XXXX XXXX XXXX XXXX  XXXX  XXXX, XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, 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 am a victim of ID Theft I have accounts from credit card companies that I do not recognize showing on my credit report. I currently live in XXXX  and I was in the process of moving to XXXX from XXXX XXXX  and I believe I have been compromised.