23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I have already sent this information to the company and my husband has spoken with them several times over the last few months trying to get this resolved. Our mortgage company, M & T bank, paid our homeowners insurance through our escrow account. However, the insurance company they paid had just dropped us due to not wanting to ensure our roof. So, we received a check in the mail, supposedly for the amount that was paid out of escrow, {$2300.00} or somewhere close to that. We called M & T bank and asked them what we should do with the check. At this time they told us we could just pay the insurance company. So, we did. A few weeks later, we receive another check in the mail for the exact same amount. We call M & T bank again to ask them what the problem is. This time they tell us we need to pay it back to our escrow account. So, we did. For several weeks we had over {$2000.00} in escrow. However, we received a letter in the mail from M & T bank stating our mortgage was going to increase due to not having money in escrow. Once again, we called M & T bank to make sure this was an error. They assured my husband all was well and nothing should change. Well, our XXXX mortgage payment states it's over {$2000.00}, with {$900.00} of our payment going to escrow. If we deposit $ XXXX from now till the end of the year, we will have over {$10000.00} in escrow. This seems exorbitant and unsustainable. M & T said we have to pay the new amount.
Product: Debt collection

On XXXX XXXX, 2015, I received notice that I was being sued by Integras Capital Recovery, LLC ( Cause # : XXXX, filed in XXXX XXXX, Texas ). 

Prior to receiving notice of this lawsuit on XXXX XXXX, 2015, I had never heard of Integras Capital Recovery, LLC. Before XXXX XXXX, 2015, I had also never received a demand letter or any form of communication from Integras Capital Recovery, LLC. 

Also, there is a four-year statute of limitations on debt collection in Texas. The alleged debt is more than four years old. 

Finally, I 've just received a XXXX-page discovery request from the debt collector 's lawyer. I consider this to be a form of intimidation and harassment.
Product: Vehicle loan or lease

We enrolled in autopay for a used car loan from Bridgecrest on XX/XX/2018 for a car loan with the first payment due on XX/XX/2018. The company website set the first payment for XX/XX/2018 without making us aware that it would mean that the first payment would not be made. They called me when the loan was past due and said that they couldn't autodeduct the payment because there is a 2 week delay after signing up. Then they charged me a XXXX fee for paying over the phone by checking account. All information they had in the autopay registration from XX/XX/XXXX. This practice must be to gain extra fees and interest from late payments because it does not take 2 weeks to set up an autopay and even if it did the registration process should state that the payment will be late and provide alternatives to make the payment by the due date.
Product: Credit reporting or other personal consumer reports

Dear CFPB, I am writing to formally file a complaint against Experian for their failure to address my dispute regarding unauthorized credit inquiries on my credit report. Despite following the proper steps to dispute these inquiries, they remain on my report, and my concerns have been dismissed. 

Background On XX/XX/year> and XX/XX/year>, I disputed several credit inquiries on my Experian credit report that I did not recognize or authorize. These inquiries negatively impact my credit score and misrepresent my financial behavior. I followed up by calling Experian directly to request removal of these inquiries, as I believed this would expedite the process. During the call, I explained my concerns, but they failed to act on my request or provide any satisfactory resolution.

My Concern I do not recall authorizing the inquiries I disputed, and Experian has not provided any documentation to prove that I consented to them. Under the Fair Credit Reporting Act ( FCRA ), consumers have the right to dispute any item on their credit report they believe to be inaccurate or unauthorized. Furthermore, the FCRA requires credit bureaus to verify disputed items and remove them if they can not be confirmed as accurate. 

XXXX failure to remove these inquiries, or provide documentation proving their legitimacy, is both a violation of my rights and a failure to uphold their responsibilities under the FCRA. 

Why This Matters Unauthorized inquiries damage my XXXX XXXX and misrepresent my financial behavior, which can impact my ability to secure credit in the future. It is crucial that credit reporting agencies follow the law and ensure that only accurate and authorized information is reflected on consumers credit reports. 

I have attached all relevant documentation, including a copy of my initial dispute with Experian and my most recent credit report showing the unauthorized inquiries. I trust that the CFPB will address this matter promptly and ensure that my concerns are taken seriously. 

Thank you for your attention to this issue. Please let me know if any additional information is needed to assist in your review.
Product: Debt collection

Contacted Midland Credit after XXXX  the phone number that called me ( XXXX ) XXXX, to determine who was calling me. I asked them who they were and they said that it was a personal matter and asked me to verify my social security number. I give that out to unknown person over the phone ; and let them know that. I asked why they were calling me and then started the barrage of threats to settle my debt immediately or I would face grace consequences from my employer being contacted, to papers being filed by XXXX today at court which could result in anything from my wages being garnished up to my imprisonment. I then explained that I have a very poor credit and have for many years and don't even apply for credit let alone have any to have defaulted on. I asked for proof the debt was mine by way of the application and signature, and any other supporting documents. I was just told to settle my debt by XXXX today. When I again said that the debt could not be mine, I was read the phone number and " my '' account number and advised to call by XXXX to make arrangements before bad things start to happen.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed letters to the credit agencies and nothing happened. 
I have inquiries that I did not authorized. 
I have wrong addresses that do not belong to me. 
There are late payments and other accounts that are reported late and charged off that are not true. 
I see multiple accounts that does not belong to me.
Product: Debt collection

I am in need of help by the CFPB to resolve this matter as I believe my voice as a consumer is not big enough to resolve this matter even though I have tried lengthy processes to get this resolved since XXXX. XXXX XXXX placed a {$280.00} collection on my credit report for an address I have NEVER lived at. This internet/tv account was fraudulently opened. Moreover, it is now XXXX and is past the statute of limitations. That aside, this account is fraudulent and was not opened by me. I have attached an FTC fraud report as well as the police report number is noted. I also was a victim of the XXXX data breach as well as the XXXX data breach. Additionally, I was informed by the IRS that my SSN may have fraudulently used to pursue employment. I am a victim of ID Theft and I have filed multiple complaints to remove this but to no avail. I have filed a case number with the XXXX XXXX  portal : Report Key : XXXX I have spoken with Credence Resource Management ( XXXX ) who is currently reporting this collection on my credit report. And they were unable to remove this despite them aknowledging the fact that I firmly am disputing this as fraudulent. 

Moreover, I am a resident of XXXX  and XXXX  I have never lived in XXXX  where this account was fraudulently opened.
Product: Checking or savings account

XXXX XXXX XXXX who was forced to use Branch XXXX XXXX XXXX XXXX XXXX XXXX XXXX Upon them receiving notice of your lawsuit they uploaded a new arbitration agreement form which blocks users from utilizing services until accepted. I contacted branch to close the account today on XX/XX/year> and was told they will only close it if I agree to let them have my remaining balance. They are criminals.
Product: Credit reporting or other personal consumer reports

XX/XX/2024 I Contacted each creditor asking for method of verification I asked for all the documentation that they had retrieved during their investigation that proves that this information is reporting accurately
Product: Credit reporting or other personal consumer reports

As a federally protected consumer I have multiple inaccuracies, 15 USC 1681. reporting to the three major Credit Bureaus XXXX XXXX XXXX XXXX and Equifax XXXX I have reached out to all said corporations and agencies documented on this consumer complaint document, for the last XXXX months XXXX to XX/XX/XXXX and as far back as XX/XX/XXXX with several registered letters. I have been ignored and the emotional and financial stress it has applied to my life has limited my ability to live a safe, healthy, and prosperous life. I have been consistently denied essential necessities such as credit, automobiles, and loans due to the consumer abuse of the agencies and corporations alike. My life and ability to function sufficiently has been severally damaged because of these illegal actions, I can not get anything. My identity has been stolen and used inappropriately 5 USC 522a.

PRIVACY ACT OF 1974 My non-public personal information has been shared with third party companies and agencies such as XXXX, XXXX and Equifax. 15 USC 6802 6805 The limits on disclosure of nonpublic personal information to nonaffiliated third parties-16 CFR 313.10
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX IL, XXXX XXXX XXXX XX/XX/year> Capital One Auto Finance Re : Dispute of {$8000.00} Charged-Off Account and Request for 1099-C Account Number : XXXX Dear Capital One Auto Finance, I am writing to dispute the validity of the {$8000.00} charged-off account referenced above. I also request that you provide me with a 1099-C form, as required by the Internal Revenue Service ( IRS ), since the debt was allegedly canceled or forgiven.

Specifically, I dispute the following : - The debt amount : I do not recognize the amount claimed as the outstanding balance, and I request documentation to support this amount.

- The charge-off date : I dispute the date the account was charged off, as I believe it may have been done prematurely or in error.

- Lack of 1099-C form : I did not receive a 1099-C form for the allegedly canceled debt, which is required by the IRS.

Pursuant to the Fair Credit Reporting Act ( FCRA ), I request that you : 1. Verify the accuracy of the disputed information.

2. Provide documentation to support the debt amount and charge-off date.

3. Furnish a 1099-C form for the allegedly canceled debt.

4. Correct or delete any inaccurate or unverified information related to this account from my credit reports.

Please investigate this matter and respond within 30 days. I appreciate your prompt attention to this dispute. 

Sincerely, XXXX XXXX
Product: Student loan

This is a continuation of my previous complaint #  XXXX .  Nelnet  did not explain why my loans are being reported as  XXXX  different accounts on my credit report. They claim there are  XXXX  accounts. I uploaded a copy of my credit report showing  XXXX  accounts and did not receive an y further response from Nelnet.
Product: Credit reporting or other personal consumer reports

XXXX XXXX SS # XXXX, XXXX XXXX XX/XX/year> THIS CFPB COMPLAINT HAS BEEN FILED TO REQUEST PURSUANT TO FCRA 605B ( 15 U.S.C 1681c-2 ) THAT YOU, THE CREDIT REPORTING AGENCY, BLOCK INFORMATION APPEARING ON MY CONSUMER CREDIT REPORT THAT IS THE RESULT OF IDENTITY THEFT AND FRAUD WITHIN 4 BUSINESS DAYS OF YOU RECEIVING THIS COMPLAINT. THIS FRAUDULENT, INACCURATE, AND FALSE INFORMATION CONSISTS OF A PERSONAL AUTO LOAN WITH XXXX XXXX XXXX UNDER ACCOUNT NUMBER XXXX THIS ACCOUNTS HAVE RESULTED IN SEVERAL FRAUDULENT HARD INQUIRIES AND FRAUDULENT COLLECTIONS/CHARGE-OFF APPEARING ON MY CONSUMER FICO CREDIT REPORT. I'VE ATTACHED A LIST OF THE HARD INQUIRIES IN QUESTION AS WELL AS A COPY OF THE ITEMS. I DO NOT RECOGNIZE THE AFOREMENTIONED ACCOUNTS, COLLECTIONS/CHARGE-OFFS AND HARD INQUIRIES APPEARING ON MY CONSUMER CREDIT REPORT MAINTAINED BY YOU WERE NOT OPENED, MADE, OR INITIATED BY ME. ALL OF THE AFOREMENTIONED ACCOUNTS, COLLECTIONS/CHARGE-OFFS AND HARD INQUIRIES ARE THE RESULT OF IDENTITY THEFT AND FRAUD. I HAVE ATTACHED A COPY OF A FTC IDENTITY THEFT CRIMINAL COMPLAINT AS PROOF FROM THE US FEDERAL TRADE COMMISSION THAT ALL OF THE AFOREMENTIONED CONSUMER CREDIT ACCOUNTS, COLLECTIONS/CHARGE-OFFS AND HARD INQUIRIES ARE THE RESULT OF IDENTITY THEFT AND FRAUD.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX and Transunion 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 this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX  XXXX Balance Owed : {$34000.00} XXXX XXXX XXXXXXXX Balance Owed : {$34000.00} XXXX XXXXXXXX Balance Owed : {$1700.00}
Product: Debt collection

I have been paying off this debt continuously so much that the actual balance is {$400.00} with a active and ongoing current payment. This balance is also showing multiple times across all credit agencies. Giving a false sense that I have a additional accounts under the same creditor for the same amount. which is causing a gross impact on my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted the CRAs in XXXX regarding a dismissed bankruptcy on my credit report. They responded that they verified this information with US BKPT CT PA XXXX and/or USBK COURT WESTERN PENNS . I found this is who they were verifying the information with because at the bottom of my credit report it lists all of the CREDITORS that they get/verify their information with. I contacted US BK CT of Western Pennsylvania via certified mail ( XXXX ) and received a letter from them stating that they do NOT provide information to the CRAs they also stated that they do NOT have a relationship with the CRAs. So to my confusion how are they listing this entity as the CREDITOR? If one they do not report this information, two they are not creditors ( A creditor is a party that extends credit or lends goods, property, services, or money to another party known as a debtor. The credit made through a legal contract guarantees repayment within a specified period as mutually agreed upon by both parties. The amount lent to the borrower may be subject to an interest rate, depending on its size and the lender. A creditor takes various measures to secure the loan amount if the debtor turns defaulter, like requiring collateral and placing liens on it. Creditors can be classified as secured or unsecured. ) Bankruptcy Courts are not creditors they do not loan money to anyone they do not extend credit or lend goods, property, services, money to any consumers, but yet that is who the CRAs are stating " VERIFIED '' the information on my CREDIT REPORT??
Product: Debt collection

Guardian Capital Management LLC, the collections agency in charge of the account in question, hired a process server to serve me court papers. The process server went to my building and asked if I was home, upon being told I was not there, he served the court papers to the third party, my neighbor. This is an embarrassment and violates the Fair Debt Collections Practices Act. This breaches all privacy laws put in place to protect borrowers from their personal information being distributed to anything other than the borrow or their attorney.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit report, I recognized unauthorized reports on my account. I reported to JP Morgan Chase that they have broken the law of reporting late payments to CRAs WITHOUT my written consent. They could not verify the alleged debt and the CRAs are all reporting something different on this account. I have reached out to the CEO of Chase as well as the credit reporting agencies and neither parties have fixed this issue in as timely manner. 

My initial attempt was taken place on XX/XX/XXXX. 
My second attempt was XX/XX/XXXX. 
My third attempt was XX/XX/XXXX. 

In addition, I have been harassed MULTPLE times in attempt to collect alleged debt. This receiving multiple phone calls at inappropriate times which also is in violation of Fair Debt Collections Practices Act 15 USC 1692g violations.
Product: Mortgage

I was laid off of my job in 2011. My mortgage was with XXXX XXXX XXXX at the current time. XXXX XXXX XXXX was working with me in a forbearance on my loan. During the time I was in my forbearance period my loan was stole to Bayview Loan Servicing llc. Bayview stated to me that they was n't honoring the forbearance that XXXX XXXX XXXX had granted me before the loan was sold to them. Since my loan has been with Bayview I have tried getting a modification several time with no success. While looking for avenues to save my home I learned that my loan was switched from an FHA to an conventional loan without me signing any paperwork. Bayview has attempted for foreclose on my property which led to me filing bankruptcy. Since I have filed bankruptcy I tried for a modification again. It has been several months with no communication.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX  time not receiving an update about my investigation. I have been wasting my hard money on stamps, not response via mail or email and i am really disappointed about this happened yje account on. I am authorizing this complaint with proof of the disputes i sent out. Now please I attached my ID and utility bill to show who i am XXXX FDCPA Ive filed a civil suit against this XXXX XXXX and XXXX XXXX for this XXXX XXXX account that appear on my credit report. This is deceptive practices Account XXXX : XXXX As a consumer by law this account must be deleted immeidately
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX XXXX XXXX  XXXX on XXXX/XXXX/XXXX under the account number XXXX and a collections account opened at XXXX XXXX  on XX/XX/XXXX with a balance of {$0.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX . These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Checking or savings account

b"On XXXX XXXX, Citibank unepectedly blocked my checking account without providing a reason. The very next day, led to be deposited into that account. For weeksthrough XXXX and halfway into XXXXCitibank repeatedly told me they did not have my refund check. I spent significant time going back and forth between Citibank, other banks, and the IRS, trying to track down my refund.\n\nEventually, I discovered that Citibank had been holding my tax refund the entire time, while my account remained blocked. From XXXX XXXX  until the past week XXXX XXXX, I was unable to access my funds. After the account was closed, I was told I would receive my refund on XXXX XXXX, but then was informed I would have to wait another 60 days. When I threatened to contact the media and a lawyer, Citibank claimed they would expedite the process, but I still have not received my refund. Every time I call, I get a different answer and no clear information about my account status or the whereabouts of my money. I need help.\n\nMy account number is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXThey've been holding my check since XXXX XXXX XXXX XXXX  still have no answers.And I get told a different thing.And I don't have my check and they won't send it back to the I.R.S"
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX continues to report that collections from XXXX XXXX XXXX are mine. Those collections are at zero blaance and never got old enough to be collections, XXXX company has agreed and said that they sent requests to have them removed from my report. XXXX is clearly not verifying ANYTHING with this company because they continue to report these as past due. They have been removed from my report in the past and then added again, which I believe is illegal.