23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

My mortgage company has been charging me {$580.00} a year for hazard insurance. The property is already fully insured by my HOA. it is a condominium. I only own the space between the walls. They bought insurance to pay for the restructure of walls and property that are already fully insured and do n't belong to me. I just discovered they were doing this for XXXX years because they were hiding the charge by debiting my loan. It was not done through escrow or was i ever notified nor given a copy of the policy. They hid the charge by calling it an escrow disbursement. but no escrow disbursement occurred, it was a debit to the loan. I was aware I had a separate {$550.00} escrow disbursement each year. They led me to believe that this was the same transaction. This is fraud. I finally discovered what was occurring after they finally titled the loan debit a " XXXX '' payment this year which alerted me to the charge. My hazard insurance is through the HOA. the property is fully insured as required by the terms of the loan. My mortgage company surreptitiously and fraudulently bought additional coverage to benefit financially from the commission from the insurance company and put an additional debit to my loan to charge me interest on the insurance cost. It should have been an escrow charge
Product: Credit card

I hope this message finds you well. I am writing to dispute a charge related to XXXX 's XXXX XXXX service. 
Between XX/XX/XXXX and XXXX : I contacted XXXX customer service through a phone call to clarify the billing cycle for the XXXX XXXX, specifically asking if it starts on the payment date or the date I commence my stay. The XXXX agent assured me that the billing cycle commences on the date I start to stay. Based on this information, I made a reservation on XXXX for a unit starting on XX/XX/XXXX. 
XXXX : Based on the information above, I made a reservation on XXXX for a unit starting on XX/XX/XXXX. 
XX/XX/XXXX : During the stay, I received an email indicating that the next billing cycle would be on XXXX. When I requested a change to the upcoming billing date to XX/XX/XXXX, XXXX refused, citing potential complications in their billing process. 
As a result of this misinformation, I made a reservation for a unit on XXXX, planning to stay from XX/XX/XXXX to XX/XX/XXXX. However, XXXX charged me the second month membership fee ( XXXX ) of {$850.00} instead of covering the stay under the first month membership, as I was initially led to believe. 
I have attached a screenshot of my conversation with XXXX, outlining the issue. Although I don't possess a recording of the call where the misinformation was provided, I have requested XXXX to review their records. 
XX/XX/XXXX : Despite XXXX weeks passing, there had been no update on my request to review the call. Given the lack of resolution and the considerable delay, I have disputed these charges through my credit card company. 
XX/XX/XXXX : I discovered that my account had been XXXX by XXXX in response to my dispute of a charge. Due to the disabling of our account, I have lost the membership benefits we paid for. This action was taken without any prior notice. 
XXXX : I discovered that my credit card company, Chase, considered the disputed charge valid. Despite explaining the misinformation from XXXX and requesting their records for review, Chase closed the dispute without further investigation. I find this decision unfair and believe it contradicts standard dispute resolution practices.
Product: Debt collection

Good evening, I have been battling the collection practices of  'Hunter Warfield  ' and  XXXX   XXXX  ' for years now.   They claim I owe over  8k in  collections for a wrong doing eviction that occurred in XX/XX/XXXX  XXXX  XX/XX/XXXX    I was told by  XXXX  that I could resolve the remaining 6 months of my lease with their leading Office due to the fact that my roommates left me stranded and I could no longer afford rent. They WERE notified of all this in email and I was willingly authorized to vacate the premises before an eviction occurred.  XXXX  agreed to this because they had confirmation from the VA, that I was not receiving my military housing benefits on time which put me behind on rent. Only a month or so. In   XXXX  , I had orders from the  XXXX   XXXX  to report to   XXXX   XXXX   in Texas for a  XXXX  to  XXXX .   They WERE notified and I thought I was covered under law due to my military orders.    XXXX  quickly evicted me and added over  2k in f ees.    Hunter Warfield them then took over collection and harassed me for months with no re gards to my situation.   This debt has been removed twice from my credit reports (   XXXX    and   XXXX    )  but have emerged on my reports both times. I can not afford an attorney and have never been issued any legal documents or paperwork in regards to the debts or my options to settle said Debt.   I am pleading for assistance, as this collection account has coated me uncountable credit hardships. Thank you, Best Regards  XXXX   XXXX
Product: Mortgage

The mortgage company double charged me for one month in XXXX when they bought the loan from XXXX XXXX. Even though I have been writing them and calling them about the error they denied my claim. In addition they are charging me very high penalties every month and they are increasing their penalties every month. I have paid thousands of dollars in unfair usuary penalties but making my payment. The latest one you can see shows {$310.00} in fines on a {$670.00} mortgage. I need someone to intervene and see about getting back some of these unfair fines. Thank you
Product: Credit reporting or other personal consumer reports

There was a dispute letter sent on XX/XX/year> informing XXXX of my intent to sue due to them failing to enter a notice of dispute for accounts previously disputed and stating that items were verified without proof of an investigation. I have attached the letter, which is dated, and time stamped. Furthermore, I have requested your method of verification and you have not complied, which is an additional violation of the Fair Credit Reporting Act 611 ( a ) ( 7 ). I can demonstrate to a judge that these accounts are indeed inaccurate and that you have violated the Fair Credit Reporting Act by disregarding my requests for investigation. Should you continue in your non-compliance, the law is very clear as to the civil liability and the remedy available to me for negligent non-compliance. I am maintaining a careful record of my communications with you for the purpose of filing a complaint seeking relief and monetary damages under FCRA Sections 616 and 617. My attorney has been notified and we will be moving forward with a lawsuit if these items are not removed within 30 days. The following accounts are to be removed from my credit report immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that you will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify as accurate : XXXX XXXX Account. Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

After i noticed this Random Account being Reported to my Consumer Report i Contacted Equifax via phone XX/XX/2021 to notify them of the Adverse item. The Representatvive was completely ignorant to the law & After I notified the Representatvive that the account being reported was Inaccurate and Unauthorized they were however unable to assist me. On XX/XX/XXXX i wrote the company notifying them of the Laws they were in violation of and i have not heard anything back thus far.
Product: Credit reporting, credit repair services, or other personal consumer reports

I initially sent a Method of Verification letter in XX/XX/2020 requesting for the company XXXX to provide me with a letter detailing how they verified this bankruptcy belong to me. By law XXXX  had 15 days to respond to this request. The response didn't come until 42 days with the only response being " this information is accurate. '' However this is not what my request asked for. I then followed up in XX/XX/2020 requesting, a method of verification document for a second time. The response the same as the first. When I call and attempt to speak to someone about it in the dispute department I'm constantly put on hold and once some one gets back on the phone they just regurgitate what the person before them said. To date I have yet to be provided a method of verification. Due to this company neglecting to respond within the 15 day time period they were required by law and neglecting to provide me a method of verification document almost 90 day since the initial request, I demand this be removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Discover has violated my rights under 15 U.S. Code 1666b A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose They continue report late payments when its illegal to do so
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer. I have tried disputing multiple times.
Product: Checking or savings account

On XX/XX/XXXX and XXXX of 2024 XXXX transactions for XXXX XXXX were made using my debit card. I waited for the XXXX transactions to no longer be pending and e-filed a dispute. It came back as no error made. So I called them and the filed a rebuttal and once again it came back as no error made. So I called them back and asked them what information they were using to prove that I made these transactions and was told that they came to this decision because no new information was given. So I got a screenshot from my uber eats account showing no transactions from those days and a picture of my time card showing I was at work at the time of XXXX of the transactions. Once again it was responded to with no error made. I just got off the phone with them for the fourth time and asked again why theyre still denying it and was told no new information was provided which it was because I sent them photographs I hadnt sent before.
Product: Debt collection

I've written several letters to EOS CCA LLC and requested documentation and asking why they are reporting on my credit. they have sent me nothing in the mail but continue to harass me at work and on my cell phone! Please help me!
Product: Checking or savings account

I had an account closed back in XXXX and a check for XXXX first sent to the wrong address. I waited 121 days and had a check reissued. Its now been many days past the issuance date and mailing date and I still have not received the check!! They told me I would again have to wait 121 days!! This is absolute nonsense and Im going to take this bank to small claims if I dont have a proper and final resolution this month!
Product: Checking or savings account

On XXXX XXXX, XXXX, my elderly mother discovered that her home health aid had stolen her checkbook and written approximately XXXX checks to herself, emptying my mother 's account. My mother reported the theft to PNC and identified the forged checks. The branch XXXX called the police, who came to the bank and took a report. The XXXX also submitted a dispute for the forged checks, which totaled over {$20000.00}. For the next six months my mother and I regularly contacted PNC, which kept telling us to wait and be patient because it was still investigating. On XX/XX/XXXX, my mother died of XXXX XXXX XXXX. I notified PNC of her death. PNC told me it was still investigating the forgeries and that it would contact me soon, but it never did. Is there a law that requires PNC to perform a timely investigation? It's been more than six months, My mother 's name was XXXX XXXX. The account is titled " XXXX XXXX XXXX XXXX XXXX. '' I am the trustee.
Product: Debt collection

The debt with Specialized Loan Servicing ( SLS ) was discharge in a bankruptcy XX/XX/2011. There has been not contact with SLS in more than ten years. SLS has refused to release the lien unless the original discharged debt amount plus interest calculated since the time of discharge. Pease see attachments for details an additional information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently, I did an investigation on my report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didnt make sure it was reporting 100 % correct.

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my cred it report and Under 15 U.S Code 6181e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

The credit reporting agencies stated that these account were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report. 
As a consumer, I request to know the steps your agency took to insure these items were 100 % accurate
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am submitting this formal dispute to address inaccuracies in my credit report and to reference the ongoing Consumer Financial Protection Bureau ( CFPB ) lawsuit against Experian for improper reporting and failure to conduct adequate investigations of disputes. The following issues pertain to personal information that is being reported incorrectly on my account and must be removed immediately in accordance with 15 U.S.C. 1681e ( b ) and 15 U.S.C. 1681a ( 2 ) ( A ) ( i ) ( B ) ( Fair Credit Reporting Act, " FCRA '' ), which requires credit reporting agencies to follow reasonable procedures to assure maximum possible accuracy of the information they report. Additionally, 15 U.S.C. 1681a ( 2 ) ( A ) ( i ) ( B ) emphasizes the importance of ensuring consumer reports are accurate and reflective of true consumer data, raising further concerns about how my consumer report can be deemed accurate under these circumstances : Incorrect Names : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Spouse or Co-Applicant : Remove the name XXXX, as this individual has never been my spouse or co-applicant.

Incorrect Employment : Remove R Polite Services, as this is not the name of my business. 

These inaccuracies constitute 14 violations under the Fair Credit Reporting Act ( FCRA ). According to FCRA Section 616, each violation is punishable by civil liability of up to {$1000.00} per infraction. I am seeking damages for these violations, which total {$14000.00}. If these inaccuracies are not resolved promptly, I will pursue legal measures for the continued inaccuracy and harm caused by Experians failure to maintain accurate reporting. 

I am requesting that Experian immediately remove all incorrect personal information listed above from my credit report and provide confirmation of these corrections. Thank you for your attention to this matter.
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, Account # 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 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

Regardless of multiple written requests, the unverified account listed below are still reporting on my credit report in violation of federal law. The Experian and XXXX Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 U.S. Code 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statues. Please remove this account completely from my credit reports. 
XXXX XXXX ****
Product: Credit reporting or other personal consumer reports

FTC report enclosed, my deed and a bill showing my correct address, my correct address is XXXX XXXX XXXX XXXX XXXX XXXXXXXX. XXXX report enclosed showing that they remove the accounts that was listed on XXXX report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently reviewed my consumer credit reports and noticed that I have two accounts with XXXX that are both reporting inaccurate for the month of XX/XX/2023 for all three credit bureaus in which I were never late for. The reports are showing on time for all months prior to XXXX than 90 days late for month of XXXX. The stated accounts accounts XXXX XXXX- XXXX XXXX XXXX XXXX {$4500.00} Principal and {$2600.00} Principal Please investigate and provide proof that with statements that these payments were late. 
These two accounts can not report 90days late without first showing 30days and 60days late. 

I will like these two payments with this lender to be rightfully updated to paid on time as I were never late. 
Proof of inaccurate reporting is also attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 U.S. Code $ 1681c-2 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.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSEN to report anything on my consumer report which violates my rights as a federal protection consumer. NO CONSENT IS IDENTITY THEFT. As a consume! lam demanding the deletion of the accounts listed IMMEDIATELY!
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

Equifax, XXXX, and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared ( 15 USC 6801 ). The below mentioned companies are financial institutions, and have furnished my personal information to the consumer reporting agencies. 
- XXXX - XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

XXXX XXXX XXXX section XXXX a section XXXX states that " In general Subject to subsection ( c ), any consumer reporting agency XXXX furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' The above mentioned financial institutions and the Consumer reporting agencies Equifax, XXXX, and XXXX do not, nor did they ever, have my consent to furnish this information and they surely do not have my written consent. 
15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' The above mentioned financial institutions never informed me of my right to exercise my nondisclosure option.

15 USC 1681C ( a ) ( 5 ) states, Except as authorized under subsection ( b ), 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. '' There are several adverse items within the reports furnished by Equifax, XXXX, and XXXX, WHICH IS AGAINST THE LAW. The adverse items include collections accounts, charge offs, and/or delinquent accounts. Charge offs are considered certificates of indebtedness, which are qualified as income by law and CAN NOT BE REPORTED. 
15 U.S. Code 1681s2 ( A ) ( 1 ) A states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. Equifax, XXXX, and XXXX are not maintaining reasonable procedures.
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report, I noticed inaccuracies in some of the information provided. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), it is imperative for the three credit bureaus to validate these accounts. Failing to validate this reporting account within the legally stipulated timeframe without presenting any evidence is not permissible. The following accounts require investigation and correction for inaccurate reporting on my credit file, as they are listed in my credit report : XXXXXXXX XXXX XXXXXXXX Balance : {$10000.00} XXXX XXXX XXXX : {$430.00} XXXX XXXX XXXXXXXX Balance : {$1300.00} XXXX XXXX XXXXXXXX Balance : {$10000.00} XXXX XXXX XXXX : {$430.00} XXXX XXXXXXXX XXXX Balance : {$1300.00} XXXX XXXX XXXXXXXX Balance : {$10000.00} XXXX XXXX XXXX : {$430.00} XXXX XXXX  XXXX Balance : {$910.00}