23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Our escrow account increased {$XXXX} in XXXX of XXXX. We were told that it was due to an increase in taxes and insurance as well as a shortage in escrow. We called this number ( XXXX ) XXXX and were told that if we filed a homestead exemption and filed an appraisal protest, that we could have a reduction in property taxes resulting in a lower escrow payment. Both were filed and documentation was submitted to XXXX, as directed by the above listed phone number, on XX/XX/year>. I received a confirmation email confirming the receipt of my documents same day and was told that it would take up to XXXX business days. As of today, XX/XX/XXXX, I still have not had any response or reduction in payment and have since made multiple payments. After speaking with XXXX  today, we were informed that they have not received any documentation and are unaware of any request to reduce our payment.
Product: Credit reporting or other personal consumer reports

RE : TRAFFICKING BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of trafficking. The information listed below, that is currently listed on my credit report is a result of that trafficking. Listed below are the Personal Information that are being challenged Incorrect Previous Address : - XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX, FL, XXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX, XXXX, GA, XXXX Incorrect CurrentAddress : - XXXX XXXX XXXX XXXX, XXXX, GA, XXXX Employer - XXXX XXXX XXXX XXXX Incorrect XXXX : - XXXX Incorrect Name : - XXXX XXXX  XXXX Listed below are the Collections that are being challenged FAIR COLLECTIONS & OUT - XXXX Listed below are the Inquiries that are being challenged ADVANTAGE XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF TRAFFICKING IN PERSONS OR XXXX XXXX TRAFFICKING. IF THE CONSUMER HAS PROVIDED TRAFFICKING DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 [ DOCKET NO. XXXX ] RIN 3170-AB12 PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF HUMAN TRAFFICKING ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TOTHISMATTER!!
Product: Credit reporting or other personal consumer reports

Equifax fail to push my compliants to creditors regarding the closed accounts on my credit report in regards the creditor needed to issue a credit rescore and not removing history from a account that's was suppose to be erased through a court paper settlement and fail to get updated positive reports from creditors on regards of loan accounts that significantly damage my credit report which it violates the fair credit debtors act by causing defamation and I'm extremely upset with how this is handled unacceptable
Product: Checking or savings account

I was part of a fraud scheme where I was hired for a job, instructed to make purchases on my credit card to be reimbursed by the company I was hired at, I was reimbursed, then two months later the reimbursement payments were flagged as unauthorized and returned to the company 's bank leaving me with an unpaid bill. I was told to pay off my card balance initially then make the purchases. I contacted Mechanics Bank on XXXX and was told they could not help me because I was not on the account and did not let me file a claim with them. I do not have an account with Mechanics Bank, but I have all the account info that was given to me to authorize my reimbursement and attached the conversation showing authorization. 

XX/XX/XXXX I paid {$1100.00} from Mechanics Bank to my XXXX XXXX card XX/XX/XXXX I charged {$5800.00} to my XXXX XXXX XXXX XXXXXX/XX/XXXX A reimbursement of {$5800.00} was processed on my card from Mechanics Bank XX/XX/XXXX I was informed that my payments from XX/XX/XXXX and XX/XX/XXXX had been returned to my card and the balance was shown as unpaid XXXX Contacted Mechanics bank and they said they could not help me nor could I file a claim with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

Identity theft and Navient trying to collect on it. Promissory note has wrong spelling of name on it and fraudulent signatures. XXXX Navient and they did nothing about it for two months. Sent certified letters but they keep ignoring it and wont take these off my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

to whom it may concern, On XX/XX/2022 I received a copied of my report and noticed Transunion had a address that didn't pertain to me. I submitted a dispute via email and received a letter from Transunion on XX/XX/2022 still reflecting that the address that is an error, XXXXXXXX XXXX XXXX XXXX XXXX  XXXX Il XXXX. 

I received a copy of my credit report and found the following item ( s ) to be in error : 1. The following personal information is incorrect Previous Address ( es ) : XXXXXXXX XXXX XXXX XXXX  XXXX XXXX IL XXXX By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion : Credit Alert New Inquiry Reported By XXXX XXXX Reported On XX/XX/2020 I have never been to or contacted XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I ran my credit report on XXXX XXXX XXXX for all 3 company 's and discovered Identity Theft occurred. I was not able to download my XXXX and XXXX report b/c of technique issues I was having. I found I have an unauthorized account that was recently charged off to collections named XXXX XXXX opened on XX/XX/2022 and charged off and sent to collections for the amount of {$3700.00}. ( see attachments ) I was only able to down load the EqualFax Report but it does not show the loan from XXXX XXXX. 

I need to do a credit freeze, and dispute the loan that is on my credit report. I also need my full credit report from all 3 companies b/c they are all showing different things. I am a victim of Identity theft and need to resolve this asap but I am unable to do anything b/c I can not speak to a real live person and I am locked for not having the correct information when requesting it from the other 2 major credit agencies. 

Equal Fax XXXX XXXX
Product: Credit reporting or other personal consumer reports

A month ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct or delete the following accounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

Subject : Complaint Regarding Violation of TILA, Breach of Contract, and Unresolved Recoupment Request for Account # ending XXXX with Capital One Auto Finance Co. 

Consumer Information : Full Name : Provided Upon Request Account Number : ending XXXX Summary of the Issue : I am filing this complaint due to Capital One Auto Finance Co.s violation of the Truth in Lending Act ( TILA ) 15 U.S.C. 1601 et seq., breach of contract, failure to provide a complete audit of my account, and refusal to comply with my lawful requests for recoupment. Capital Ones actions have resulted in financial harm and the misclassification of my account, in violation of federal statutes and consumer rights. 

Background : On XX/XX/XXXX, I entered into a contractual agreement with Capital One Auto Finance Co. through its broker, XXXX XXXX XXXX XXXX, involving the purchase of a XXXX XXXX XXXX. The agreement included a promissory note that was later transferred without recourse and securitized. I have since discovered that the transfer and sale of this note were not fully disclosed, contravening TILAs mandate for transparency and failing to inform me of the true nature of my financial obligations. 

Despite multiple attempts to resolve this matter, including a formal Opportunity to Cure letter sent via registered mail, Capital One has refused to provide written responses and a complete audit of my account as required by 12 CFR Part 226 ( Regulation Z ) and the Fair Credit Billing Act ( FCBA ) 15 U.S.C. 1666. Capital Ones refusal to respond in writing directly conflicts with the contractual terms that allow for amendments in writing, thereby breaching our agreement.

Specific Violations : Violation of TILA ( 15 U.S.C. 1601 et seq. ) : Capital One failed to provide full disclosure of the transfer, sale, and securitization of my promissory note, depriving me of my right to informed consent.

Breach of Contract : Capital Ones refusal to provide a written audit and its failure to recognize my right to settle the account through written amendments constitute a breach of our contractual terms and their fiduciary duty.

Failure to Act in Good Faith ( UCC 1-304 ) : Capital Ones handling of my promissory note and refusal to provide transparency violate the standards of good faith in financial transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I am very disturbed and upset the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60 days. I need these accounts deleted. These are the items I demanding to be deleted immediately : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

I got a message from Experian saying I was 30 days overdue on a payment on a card that I was unaware of I did not open this account with XXXX bank I have never had a XXXX bank account I called XXXX bank and canceled the account and let them know that it was not me who open this account the charge was for XXXX dollars and some change it was something for XXXX it was not mine I then called Experian and requested a fraud prevention as well as it to be removed from my Experian credit report a lost XXXX points and Ive been trying so hard to bring my credit up I wouldnt open a card and not pay it especially over something so small You can look at my credit history and payment history I would not miss it
Product: Checking or savings account

On XX/XX/2024, my merchant services account Square a.k.a. block was notified of a bank against my account on XX/XX/XXXX the funds were put on hold and I immediately called the creditor and came to a solution that was amicable for both them and me. XX/XX/XXXX a notice of cancellation of XXXX was sent to block instructing them to release the account affective XXXX XXXX on XX/XX/2024 after repeated emails from myself and the collection agency and conversations with Square employees as of today XXXXXXXX XXXX  The whole account has to be removed. Every phone call conversation with account service rep at block has been met with challenges as you can not speak to the department that handles the civil process. Every time I call in Im told that they did not receive a letter from the creditor, despite the fact that I have sent them proof from the creditor that they emailed them on the XXXX to release the account as of today XXXX I still have no access to my account no reconciliation no communication as to when going to be done, despite them being told to remove XXXX XXXX I believe the individuals that have lied to me in an attempt to play me while keeping my account locked. 
This is seriously hindered my ability to do business as it has caused all of my business accounts with square to be locked. Upon calling several times, none representative I speak to give me a definite answer as to when they will get around to releasing the hold off my account. I was told I would get a call back from a manager and never happened. I was told I would get a response to my email. It has never happened. I was told it would be escalated and rectified by end of business today, XX/XX/2024, and it has not happened. Despite being issued a letter from a XXXX and an attorney block has refused to remove the hold on my account resulting in serious inconvenience for my business.
Product: Credit reporting or other personal consumer reports

I have items passed on that should be taken out or removed. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Debt collection

Back in XX/XX/XXXX I noticed a collection on my credit report by XXXX XXXX for a debt owed to XXXX in XX/XX/XXXX. I had no idea about any debt I owed XXXX. I called XXXX XXXX and they said they could find any information about it and the Representative told me to dispute it. So I did and it was removed from my credit report. 

Fast Forward to today. I find another collection on my credit report but this time from EOS CCA. Same amount and from XXXX. For the record, I never received any correspondence notifying me of the debt from EOS CCA. So I called EOS CCA to explain that I did not owe the debt and had no idea about the debt except that another collection agency reported it on my credit in XX/XX/XXXX and it was removed. They said they did not care and that I either settle or the collection would stay. So I disputed it again with EOS CCA but they told XXXX XXXX that the debt was good. So I called XXXX XXXX and they said they don't actually verify the debt they just ask EOS CCA if it is valid and if they say yes than the collection stays on the report. XXXX XXXX did say if I had any proof that the debt isn't mine than I could submit it. There lies the problem,. I have no clue what this debt is so I have nothing. I tried getting something from XXXX XXXX but to no avail as I give them every piece of information I can but they can't find anything.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received the attached from a collection agency. On XX/XX/2021 I contacted the company that I knew nothing of this account. I was informed they would send information but I have yet to receive anything. XXXX XXXX XXXX are like all the fraudulent companies that try to extort.
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( XXXX XXXXXXXX XXXX XXXXXXXX ) says ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA XXXXXXXX XXXX XXXX since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXX  account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( XXXX ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Product: Credit reporting or other personal consumer reports

Per code USC 1681c-2 A consumer reporting agency shall block the reporting of any information in the file on a consumer that the consumer identifies as information that resulted in 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!! 

Per accounts should not be furnished on my consumer report as they are a VIOLATION!!!! PER, 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject subsection ( c ) any consumer reporting agency may furnish a consumer report under the existing 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 CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of all accounts listed IMMEDIATELY! 

I reviewed my Consumer Reports and noticed that there was an inaccurate account ( s ) on my credit report Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Consumer reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum accuracy. 

I contacted Experian and asked for them to investigate & remove the inaccurate account from my consumer report that they are illegally reporting and I requested specifically the alleged original application bearing my signature. They have not been able to provide such proof to me. 

This is a violation of the Fair Credit Reporting Act, and this disputed item may not appear on my credit report if it can not be supported by any evidence or proof. 

20 USC 1232g and 34 CFR 99 - Family Educational and Privacy Act of 1974 5 USC 552a - says you are not supposed to give your ssn Violation of the Family Educational and Privacy Act of 1974 When signed you stated you would not provide my information to anyone.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent all three credit bureaus a certified letter to investigate this XXXX XXXX XXXX  hard inquiry XX/XX/18 and XX/XX/18 from my credit reports. It has been well over 60 days and still not heard from any of the bureau. This violates the FCRA laws that are in place to protect consumers. The bureaus are to report accurate information and respond to disputes in a timely manner. This hard inquiry has caused hardship to me and stress as well as I being denied credit and home loans.
Product: Mortgage

XX/XX/2021 - lender conditionally approved mortgage and is now requesting additional conditional compliance the day of closing. I believe they are doing it because I am a XXXX female.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am victim of identity theft. I have already contact the credit furnisher and they have verified that the ( Auto Loan with account number XXXX, opened XXXX XXXX, 2017 ) is fraudulent and sent me documentation to confirm that the account is fraudulent and for it to removed. I have provided this information to Experian and they have refused to remove this identity theft account. I have also supported my deletion request of this fraudulent account with the XXXX - XXXX Police Report, Federal Trade Comission File Report and the letter from XXXX XXXX XXXXXXXX. I am requesting that Experian remove this fraudulent account immediately using the supporting documentation that has been provided.
Product: Credit card

On XXXX of my credit card I have set up auto payment. Recently they will not let you enroll an amount over the minimum payment. You must log back on to the site after the minimum is made to make additional payment over the minimum. If you do this. Then what they do the next payment cycle is reduce your minimum by the extra you paid over the last months minimum. Example- if minimum is XXXX a month due on the XXXX. Your auto payment will be made for XXXX. They will not let you set up any amount over the minimum so you must log back on after the XXXX and make another payment. If you make an additional XXXX on the XXXX. They will then reduce your next months minimum to XXXX. Or if your amount you pay is twice the minimum or more they will not take out any funds the next month. Thus forcing you to log on once again to make a payment, because they will not auto pay that month.
Product: Debt collection

National Credit System is claiming I owe them {$180.00} for application fee. My identify was stolen and this is a result of that. This was not me
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural and living human being. I have rights under 15usc 1681. 
Experian is governed by 15 usc and has violated my rights as an consumer numerous time. I demand the following account ( s ) are deleted immediately! 

XXXX XXXX XXXX - account number XXXX XXXX XXXX- account number XXXX 15 u.s.c 1681 section 602 ( a ) States i have a right to privacy. 
Section 604 ( a ) section 2 States a consumer reporting agency can not furnish a account without my written permission!
Product: Credit reporting, credit repair services, or other personal consumer reports

Please remove the following fraudulent inquiries from my TransUnion credit report : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX   XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX OPENED XXXX, XXXX XXXX Amount : {$10000.00} is an fraudulent account opened by identity theft!