23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

We applied for $ XXXX mortgage from the equity of our home. Underwriting reviewed then XXXX XXXX emailed on XX/XX/XXXX requesting property insurance documents, we promptly emailed policy declaration details next day XXXX. It was accepted and the mortg closed XX/XX/XXXX. 
Upon my travel return XX/XX/XXXX I noted a few letters from Rocket requesting copies of my wind insurance policy. Not knowing what wind meant, I presumed they needed another copy of our policy. In addition I emailed XXXX XX/XX/XXXX asking for assistance however he referred me to customer service who I called few times in XXXX. I was told to submit policy renewal. After many calls, and submission of renewal XXXX XXXX believed all had been resolved but got further calls on XX/XX/XXXX .Turns out the agent neglected to mention my policy should have included wind. 

Rocket added $ XXXX lender placed coverage retroactively from close date against our approval despite us adding wind to our policy by XXXX. 
They jacked monthly from {$1300.00} to XXXX. We opened case, on XX/XX/XXXX XXXX acknowledged underwriting error and said we would hear back. We continued calling customer service to pay the regular mortg & ensure they were aware, On XX/XX/XXXX we were told escrow would be extended and lender would end XX/XX/XXXX. 
We continued to get letters every week extending the lender placed insurance contrary.
Product: Credit reporting or other personal consumer reports

I am submitting this formal dispute regarding inaccurate and/or unverifiable information appearing on my credit report, in violation of my federally protected consumer rights under the Fair Credit Reporting Act ( FCRA ). 

The following accounts have violated my rights under 15 U.S.C. 1681 by failing to maintain the privacy, confidentiality, and accuracy of my consumer report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Balance : {$1600.00} ) Violations of the Fair Credit Reporting Act Failure to Ensure Maximum Possible Accuracy Under 15 U.S.C. 1681e ( b ), consumer reporting agencies are required to follow reasonable procedures to ensure maximum possible accuracy of the information they include in a consumer report. The disputed accounts contain inaccuracies that violate this legal requirement.

Obligation to Delete or Modify Inaccurate Information According to 15 U.S.C. 1681i ( a ) ( 5 ), when a consumer disputes information and it is found to be inaccurate, incomplete, or unverifiable, the consumer reporting agency must : Promptly delete or modify the disputed information in the consumers file.

Notify the furnisher of the modification or deletion.

Prohibition on Reporting Inaccurate Information Under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), information furnishers are prohibited from reporting any information they know or have reasonable cause to believe is inaccurate. The continued reporting of these accounts despite their inaccuracy constitutes a clear violation of this law.

Unauthorized Disclosure of Consumer Information Per 15 U.S.C. 1681b ( a ) ( 1 ), my consumer report should only contain accurate and verifiable information. Since the disputed accounts fail to meet these legal standards, their inclusion is unlawful.

Requested Resolution In light of these violations, I formally request the following actions : Immediate deletion of the inaccurate and/or unverifiable information from my credit file.

Written confirmation of the actions taken as a result of this dispute.

Copies of any documentation used to verify the accuracy of these accounts.

Failure to comply with these legally mandated actions may result in further legal action, including formal complaints to the Federal Trade Commission ( FTC ) and potential civil litigation. I expect a response within the 30-day timeframe required by law. 

Thank you for your prompt attention to this matter. Please provide all correspondence in writing at the address provided above.
Product: Debt collection

I have recently Disputed this matter with XXXX XXXX, and XXXX Unfortunately They Have failed to reach back by mail with the Burden of Proof within the required 30 days. I have stated to them the information is incorrect on my credit report and is fraud, This falls under The FRCA Requirements, and I have shown a 601 goodwill letter after the first dispute. Please provide Burden of proof by mail that the information is accurate or remove this account due to Fair Privacy Act.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Midland Credit XXXX XXXX XXXX XXXX : Dispute of Liability Regarding Civil Negligence - Section 1681-O XXXX XXXX XXXX XXXX, I am writing to formally dispute the civil negligence liability listed on my credit report as per Section 1681-O of the Fair Credit Reporting Act ( FCRA ). After reviewing my report, I believe that the information regarding the civil negligence claim is inaccurate and should be corrected or removed. 

The civil negligence liability associated with my name is as follows : Claim/Case Number : [ Case Number ] Date of Incident/Claim : XX/XX/21 Name of the Creditor/Party : Midland Credit Amount : {$640.00} I dispute this entry because : I am filling this complaint regarding an inaccurate item on my credit report that negatively impacts my credit. Despite my efforts to resolve this directly with reporting agency, it remains unresolved. 

In accordance with Section 1681-O of the FCRA, I request that you conduct a prompt and thorough investigation into the matter. If the information is found to be incorrect or unverifiable, I ask that it be removed from my credit report, as it is adversely affecting my credit score and financial standing.

Please inform me in writing of the results of your investigation within the 30-day time frame required by law. Should you require any further information or clarification, I am happy to provide it. 

Thank you for your attention to this matter. I look forward to your prompt resolution of this dispute. 

Sincerely, XXXX XXXX
Product: Credit reporting

Hello, I have been in contact with XXXX over a dozen times over the past 5 months. I have requested that they supply me validation of listings that are reporting in my file and they continue to respond back that the information has been verified. I am requesting validation of the debt so that I can dispute it properly to have it remove or corrected on my file. I spoke with 4 different supervisors and I have been told that this information would be mailed to me within 7-10 business days and over 30 days has passed. I took the liberty to send certified mail to them to as well to no avail. I am constantly being told that I need to contact the creditor to verify the debt but they are the ones reporting the debt and they must have proof that the debt is mine or remove the listing/s.
Product: Debt collection

A third party obtained a alleged debt I owe and I have absolutely no knowledge of this company nor do I have a contractual obligation to pay this debt
Product: Mortgage

The mortgage company guaranteed rate is making it difficult to pay my mortgage. I want to pay a large sum of money on my mortgage and recast the mortgage. Tthe compay is not offering payment options that enable me to do this. When I called the company told me that I could not recast the mortgage until it was " sold '', which will take 90 days forcing me to make 3 months at the higher payment. This is NOT what they told me when I purchased the mortgage. They will also not provide a way to pay {$200000.00} dollars that feels secure. They sent wire instruction in a random email with no logo on the message and no way to verify the sender. 

The primary job of a mortgage company is to take payments. A mortgage company needs to provide customers and easy way to make payments and pay off their loans. Interest rates are high and adding barriers to payment costs me money.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair Credit Reporting Act XXXX accounts : 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 602 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Vehicle loan or lease

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX CAPITAL ONE AUTO LEGAL DEPARTMENT RE : CAPITAL ONE AUTO FINANCE. Opened XXXXXXXX XXXX XXXX {$20000.00} Dear Sir or Madam : I am a victim of identity theft. I recently learned that my personal information was used to open a CAR LOAN at your company. I did not open or authorize this account, and I therefore request that this account be closed immediately. I also request that CAPITAL ONE AUTO FINANCE absolve me of all charges on the account, and that you take all appropriate steps to remove information about this account from my credit files. 
Enclosed is a copy of my Identity Theft Report AND POLICE REPORT supporting my position, and a copy of my credit report showing the fraudulent items related to your company that are the result of identity theft. Also enclosed is a copy of the CFPBs Notice to Furnishers of Information, which details your responsibilities as an information furnisher to credit reporting agencies ( CRAs ). As a furnisher, upon receipt of a consumers written request that encloses an Identity Theft Report, you are required to cease furnishing the information resulting from identity theft to any CRA. 
The Notice also specifies your responsibilities when you receive notice from a CRA, under section 605B of the Fair Credit Reporting Act, that information you provided to the CRA may be the result of identity theft. Those responsibilities include ceasing to provide the inaccurate information to any CRAs and ensuring that you do not attempt to sell or transfer the fraudulent debts to another party for collection. 
Please investigate this matter, close the account and absolve me of all charges, take the steps required under the Fair Credit Reporting Act, and send me a letter explaining your findings and actions. 
Sincerely, XXXX XXXX Enclosures : POLICE REPORT Identity Theft Report Copy of Credit Report CFPBs Notice to Furnishers of Information [ PDF ]
Product: Debt collection

To Whom It May Concern, I am writing to formally dispute the inaccurate and unverifiable information being reported by LVNV Funding LLC regarding the above-referenced account. This letter serves as a legal notice of my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

I have repeatedly requested LVNV Funding to provide legitimate proof of a purchase agreement between you and the original creditor. Instead of a valid purchase agreement, you have sent mere transaction statements, which do not satisfy the legal requirement for proving ownership of this alleged debt. If LVNV can not provide a legally binding purchase agreement, this account must be immediately removed from my credit report. 

Additionally, this account is being improperly reported as a charge-off. Per the Internal Revenue Service ( IRS ), a charge-off is considered canceled debt, which is classified as taxable income. If this is truly a charge-off, why have I not received a 1099-C Cancellation of Debt Form? Failure to issue a 1099-C indicates that LVNV is fraudulently reporting this debt, violating both IRS regulations and consumer protection laws. You can not legally report a charge-off while simultaneously attempting to collect the debtit is one or the other. 

Further, the dates this account was opened are inconsistent across my credit reports, proving that LVNV Funding is furnishing false and inaccurate information to the credit bureaus, which is a direct violation of the FCRA ( 15 U.S.C. 1681s-2 ). This constitutes willful noncompliance and is subject to legal action.

Per 12 CFR 1006.34 ( c ) ( 4 ) ( i ), your failure to provide accurate, verifiable, and complete information before reporting to credit bureaus is a clear violation of consumer protection laws. You are now formally on notice. If this issue is not resolved immediately, I will have no choice but to escalate this matter by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney General. I am also prepared to pursue legal action for damages caused by your reckless and unlawful reporting. 

I demand the following actions be taken immediately : 1. Provide a valid purchase agreement between LVNV and the original creditor, proving your legal right to collect this alleged debt.

2. Issue a 1099-C form if this account is truly a charge-off, or remove the charge-off status entirely.

3. Immediately delete this account from all consumer credit reporting agencies due to the inaccurate reporting of the account opening date and LVNVs failure to provide proper validation.

4. Cease all collection activity unless full validation is provided in compliance with FDCPA and FCRA regulations. 

Failure to comply with this request within 30 days will result in further legal action. I expect a prompt and thorough response.
Product: Credit reporting

I ca n't work with Experian anymore, because they continually mess up on credit reporting. Recently, they just added an account and listed me as an " authorized user '' I have no knowledge of this account, and it TWICE on my credit report last month, after I challenged other credit items on the report. I need these accounts removed from my credit report immediately. They do not belong to me. Amount is XXXX
Product: Credit card or prepaid card

On XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I withdrew {$200.00} from my US BANK XXXX card. I took too long to retrieve the money and the money was sucked back into the ATM. I've filed a regulation E with both companies, keep calling both companies but keep getting told they are waiting for the other to call them. This should be a very easy fix. I called both companies on XX/XX/2022 to report this issue but still have not gotten my money back.
Product: Consumer Loan

On XXXX XXXX 2015, we applied for an auto loan with USAA ... which was immediately approved. Intent was to be pre-approved before looking for a new car. USAA gave us XXXX days to execute the loan, offer ending on XXXX XXXX 2015. Two weeks later, on XXXX XXXX 2015, we found and purchased a vehicle using the USAA pre-approval check provided. The following week on XXXX XXXX 2015, USAA sent us an addendum to the loan documents showing the loan start date of XXXX XXXX 2015 ... the original pre-approval date, not the actual purchase date of XXXX XXXX 2015. We contacted USAA and spoke to a Customer Service Representative ( CSR ), who researched the sale and spoke to a supervisor. The CSR informed us that though the Loan date would be shown as XXXX XXXX, interest would not start until the sale date of XXXX XXXX 2015. We then sent a written request via email requesting that this information be provided in writing. We received a email reply the following day XXXX XXXX 2015, from XXXX XXXX at USAA. She stated that the information provided was incorrect, and that we were in fact being charged interest on the auto loan effective the approval date of XXXX XXXX 2015. 
We requested that USAA review the legality of this practice, and answer we received was that this is the way we always do it. We realize that this is a minimal financial issue per loan. By my calculation, it cost us approximately {$25.00} in this transaction. However, if this is a legal and allowed practice, then this is being done to a lot of unsuspecting consumers. In searching the loan documents, there is no disclosure indicating that this is a condition. I ca n't imagine having been charged interest on my mortgage approval pending the completion of the house, nor being charged interest on my credit cards based on the limit instead of the balance. So, is this legal? To start charging interest on a loan as soon as it is approved, not when it 's actually used?
Product: Debt collection

Dear AmSher Collection Services Inc., I am writing to formally dispute and request validation of the alleged debt you are attempting to collect, as per my rights under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S. Code 1692 ( g ).

I dispute the validity of the debt, and I am requesting that you provide the following information : XXXX. The amount of the debt. 
XXXX. The name of the creditor to whom the debt is owed. 
XXXX. Verification or a copy of any judgment, if applicable. 
XXXX. Proof that you are licensed to collect debts in Minnesota. 
XXXX. A complete payment history, including details of all charges and fees associated with the debt. 
XXXX. The original signed contract or agreement, bearing my signature. 

I am aware of my rights under 15 U.S. Code 1692 ( c ) ( A ), which prohibits debt collectors from communicating with me in a manner that is inconvenient, including via phone calls, texts, or emails, without my prior consent.

I do not consent to be contacted via phone calls, texts, or emails regarding this debt. Please ensure that all communication is conducted in writing, sent to the address provided above.

Additionally, I want to bring to your attention the congressional findings and declaration of purpose outlined in 15 U.S. Code 1692, emphasizing the FDCPA 's goal of eliminating abusive debt collection practices.

I request that you cease any communication with me until you have provided the requested information and validated the debt, as required by law. Failure to comply with these requests may result in legal action.

Your prompt attention to this matter is appreciated. Please send all correspondence related to this issue to the address listed above. 

Sincerely, XXXX XXXX XXXX
Product: Checking or savings account

Insurance paperless account was not paid as I had already had it running Bank of the west was my banker changed its name to BMO. When I changed my debit card from bank of the west to BMO .the bill paying accounts were met .so was involved in a auto accident and when i reported it informed didn't have insurance policy cover already before and working smoothly now when had failed me this the most .So when calling my insurance to inform or find out why I wasn't covered and what had happened they advised me that there records showe that came and then was with drawn leave me know choice but the call the BMO bank responsible for my smooth running account not properly leaving the money that would be saving my altercation and my proff of insurance All that that stands for when in a accident! And my going to be held guilty for the accident as Colorado law states uninsured motorist held guilty .Thank you for being patient
Product: Debt collection

I was shocked when I reviewed my credit report and I still found multiple inaccuracies on my credit report from the 3 major credit bureaus. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information.The date of last active and last payment is not reported consistently.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX i got a report that had invalid information form Lexis Nexis I submitted a investigation after reviewing everything per their request XX/XX/XXXX Incident number XXXX My customer number is XXXX Case number is XXXX These company is stating that they have no idea and i should have called as they do not do any investigations by email request. note to that the report has a form that you fill out that it states investigation request please email I'm speaking to the company but they are no help i feel due to miss representation of this company report I have paid extensive insurance premiums I'm talking over {$6000.00} a year. I have a clean report on my driving and payment history
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : 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 XXXXXXXX XXXX on XX/XX/year> under the account number XXXX, an auto loan account opened at XXXX XXXXXXXX XXXX XXXX on XX/XX/year> under the account number XXXX, a personal loan account opened at XXXXXXXX XXXX on XX/XX/year> under the account number XXXX, and a collections account opened at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> with a balance of {$6800.00} that appears related to the aforementioned personal loan account opened at XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

A fraudulent purchase was made in my name, on or about XX/XX/XXXX, from a company called XXXX XXXX, XXXX. The charge was sent to a collection agency, XXXX XXXX XXXX XXXX   XXXX, XXXX, MN XXXX. 
On about XX/XX/XXXX I was notified of a change to my credit report, advising of a lien. 

I have never received an Invoice, Statement or notice of Lien from the Vendor or their Agent. 
The sale was made to a party in XXXX XXXX, FL, and not to me personally. 
The collection Agencies have not responded, nor has the collection Agency. 
This is adversely effecting my Credit Score.

I notified all 3 Credit Agencies and the FTC of the discrepancy, as well as the Collection Agency. No action taken by them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have notified in writing and over the phone with both the creditor XXXX XXXX  and XXXX XXXX  personal on multiple occasions. I have informed them that this was for services performed for a XXXX XXXX  that I was not liable or responsible for and they filed an insurance claim against old expired insurance in which I was not required to provide for the child at the date of service! I was not present nor did i agree the use of that information or have I ever accepted this debt.