23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I received a collection account on my credit report that I had no idea of I do not owe any debt in such
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XX/XX/2022 opened {$20.00} amount In accordance with the Fair Credit Reporting Act 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
Product: Mortgage

Condensed, I had been trying to get my ( as my Husband passed away in XXXX ) loan modified. There were extenuating circumstances, which I have binders full of correspondence from XXXX our Servicer in XXXX, to no avail. We were offered trial periods which were awesome, however after the 2 years the payment increased to more than we were paying upon attempting the modification. My husband was nearing retirement and I was displaced by the Mortgage meltdown of XXXX. I was told they did not care about our aging status, or health issues. During this time our Loan was sold to now Servicer, Mr Cooper aka Nationstar. I personally have gone through XXXX, two Brokers, myself, and another/current Gentleman to no avail. About 5 years ago I was " forced to accept '' a modification in order to remain in my property and the payment for the next 30 years will beyond affordability, as I am a retired Widow now, for the past 7 years, struggling to make my payment. Our arrearages during that period were added to my loan balance, in a time where everyone was being given modification and no increase in the balance, here I sit. My payment is beyond affordable, and takes most of my income, from my deceased husbands retirement, etc. All I want is my balance lowered to what it was prior to the added arrearages and an affordable payment. But, I was told they didn't care about my reasons, aging, retirement and a predatory loan. I was told because we did not accept the first modification offered to us by XXXX, we would not be considered for lower anything. My husband is now gone, which I told them, was inevitable, and I am alone to struggle until I am gone. I just want help and understanding, which I wait patiently for, as they keep tell the Gentleman working on my loan " we have this new program available ', or that program, but nothing changes for me. Contacting you was recommended by a friend, and I pray this is due to Gods direction and I will finally get relief, that will allow me to continue to stay in my home that is in need of repair, and I have no disposable income to take care of them. I appreciated your understanding and consideration. Although, this is a condensed version, as I mentioned I have notebooks of correspondence over the last 12 years with the Servicers. I did not find out that XXXX XXXX was my Investor until my interaction with XXXX, and they did not help me, as XXXX XXXX, did not respond in any way, shape or form to my dilemma or resolution. We filed BK in XXXX a Chapter XXXX which was discharged in XX/XX/XXXX, however, my statements continue to come over ad " Voluntary '' payment (? ) almost 9 years ago.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have notified EQUIFAX of the fraud contained in attached identity theft report. Equifax failed to do a reasonable investigation to accurately verify the debt. The debt is a result of identity theft. The reporting of any accounts included in the identity theft report are negatively being reported which nothing under the FCRA requires the furnishing of negative information. In fact it does require all consumer reports be fair and equitable to the consumer. The accounts below are result of identity theft. I never gave authorization or consent for the opening or reporting of the accounts below I notified Equifax in fraud in XXXX, XXXX, as well as XX/XX/2022. Equifax did not lawfully verify the accounts because if they did they would find in there investigation that its impossible for these debts to be accurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

the government forgave both XXXX  loans and took it off my credit reports 1. {$740.00} and {$1300.00} loans were removed off my credit reports and forgiven XXXX. and now they are back on my report after the goverment has forgave and paid off.
Product: Debt collection

I REVIEWED MY CREDIT REPORT AND SEEN THAT AN ACCOUNT IS REPORTING AS A COLLECTION ACCOUNT 0N MY CREDIT REPORT. THIS IS INACCURATE AND IDENTITY THEFT. I HAVE NEVER HEARD OF THE COMPANY BEFORE NOR HAVE HAD ANY BUSINESS, COMMUNICATION OR SERIVCE WITH THEM. I AM NOT EVEN AWARE OF THIS COMPANY AT ALL. THE AMOUNT THAT IS BEING REPORTED IS {$130.00} WHICH I DO NOT OWE BECAUSE THIS IS NOT MY ACCOUNT. I HAVE DISPUTED THIS ACCOUNT WITH XXXX AND XXXX BUT NO SUCCES IN THE REMOVAL OF THE ACCOUNT. I HAVE SUBMITTED A POLICE REPORT AND AFFIDAVIT AND STILL THEY REFUSE TO REMOVE IT.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SSN : XXXX | DOB:XXXX XX/XX/year> Credit Bureau Subject : Request for Investigation and Correction of Credit Report Information. 

Dear Sir/Madam, I am writing to formally dispute the accuracy of specific information in my credit report, as provided under 15 U.S. Code 1681i - Procedure in case of disputed accuracy, and 15 U.S. Code 1681e ( b ) - Compliance procedures to assure maximum possible accuracy of the information. After reviewing my credit report, I noticed several discrepancies that I believe are inaccurate, incomplete, or unverifiable. The accounts in question are listed below for your reference : XXXX - XXXX In accordance with the rights granted to me under the Fair Credit Reporting Act ( FCRA ), I kindly request that you investigate the accuracy and completeness of all information associated with these accounts. If, after your investigation, the information is found to be inaccurate or unverifiable, I ask that it be promptly removed from my credit report. In addition, I would like to remind you of your responsibility to complete this reinvestigation within 30 days. Should you be unable to verify the accuracy of the information within this timeframe, I expect the immediate removal of these items, as required by law. Moreover, I request that you review the procedures used to report this information in the first place to ensure compliance with the standard of maximum accuracy required under 15 U.S. Code 1681e ( b ). 

XXXX XXXX XXXX XXXX
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 U.S.C 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A. 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 artedates 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is reporting a bankruptcy on my credit report stating that the data furnisher being the XXXX XXXX Michigan Bankruptcy Court, which is false I have attached a letter from the US Bankruptcy Court verifying and stating that they do not furnish information over to the credit bureaus or to any credit monitoring services nor do they verify and validate any information concerning bankruptcies. Transunion is falsely stating this information on my credit report and has yet to remove this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make this charge. I ask that the items be deleted to correct my credit report. I reported the theft to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission Theft Affidavit. Please delete the items as soon as possible.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to formally dispute and demand the immediate removal of the following fraudulent accounts and inquiries from my credit report due to identity theft. These accounts were opened without my consent, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) to have these items promptly removed. 
I am also writing to formally notify you that I am a victim of identity theft and request the immediate blocking and deletion of all fraudulent accounts or information related to the identity theft, as authorized by 15 U.S.C. 1681c-2 ( a ). I became aware of the breach of my personal information through the XXXX data breach, which has exposed my sensitive data to unauthorized individuals. 
The following fraudulent accounts and inquiries have been identified as a result of this breach : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXPERIANXXXX 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 XXXXXX/XX/XXXX Experian XXXX XX/XX/XXXX Experian XXXXXXXX XXXX XXXX XXXX XXXX XXXX
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) 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 card or prepaid card

On XXXX XX/XX/XXXX I paid online de full amount of {$150.00}. I received the online payment confirmation thanking me for the payment. With this transaction, I assumed that I had fulfilled my payment obligations, so I was quite because I had made the full payment, like it showed in the statement and in the online account. In fact I fulfilled my payment obligations. Curiously, I go to the credit card page online on XX/XX/XXXX of the present and I see that I had {$34.00} dollars charged for late payment, and that was showing on XX/XX/XXXX, two days after I had paid the amount of {$150.00} fully, they charged me late fees. Without thinking about it, I paid those XXXX dollars. Immediately I made a phone call to the agency asking them why I had these charges ; they apologized to me but didn't give an answer. It was on XXXX XX/XX/XXXX. After I called them again, but unsuccessful my attempt that when I paid, I paid the full amount according to the statement and I had not made any other purchase, nor did it appear on the statement, nor on the website, no other charge. Also The agency reported a missing payment to the Credit bureau on XXXX, but I had made the payment on XX/XX/XXXX. Why did they report that owed amount of {$34.00} on XXXX XX/XX/XXXX if I had already paid the total amount and it was after my phone call claiming them there was an error? Now I realize that those {$34.00} that they have been charging me are incorrect and even more so because they have affected my credit, that so much effort has cost to build, for no reason. That is why I humbly ask both agencies to investigate this error. I have the statement for XXXX and the payment confirmation for XX/XX/XXXX, as evidence. Also I don't have any available credit in my credit account. It is {$0.00} and I don't know why. I feel very mistreated as a consumer. Thank you very much in advance.
Product: Debt collection

I moved out of the XXXX XXXX managed by XXXX XXXX in XXXX, CA on XX/XX/XXXX. On or about XX/XX/2019 I  RECEIVED a bill in the mail for amount owed for repairs. My deposit did not cover all the costs of the repairs and I owed XXXX. It said I had to pay with a cashier's check. On XX/XX/2019 I got the cashier's check and attempted to pay The XXXX but the office was closed in the middle of the day. I returned XX/XX/2019 AND PAID THE BILL. The office manager gave me a copy of the check with her signature on it when I asked for a receipt. On XX/XX/2019 I got a call from IQ Data Inc stating I was in collections for this bill and I still owed. XXXX/XXXX and IQ Data are attempting to collect money from me for a bill I already paid.
Product: Money transfer, virtual currency, or money service

XXXX and other companys like XXXX XXXX  keep taking money out of my cash app on multiple occasions the last couple months tried contacting Cash App about it and never got response. I have had a decent amount of transactions like that happen to me and have no idea how or why I had to order a new card because of it and cash app still has not reached back out to me.
Product: Debt collection

Last year I replied to an email telling them I refuse to pay the debt and they should stop contacting me unfortunately. They ignored my request. This was on XX/XX/year> at XXXXXXXX XXXX They have continuously emailed me violating me and tormenting me! 

I have attached my proof 15 U.S. Code 1692c - Communication in connection with debt collection ( C ) Also XXXX XXXX  and Sunrise Credit Services breached their contractual obligations by engaging in unlawful debt collection practices, which have caused me to suffer financial harm and emotional distress. Moreover, they have failed to investigate my dispute under the Fair Credit Reporting Act ( FCRA ). 

I have also been made aware that the which requires disputes to be resolved through arbitration rather than litigation. I intend to enforce this agreement and pursue arbitration in accordance with the terms of the contract and applicable law. 
Based on the above I demand {$10000.00} in compensation for the harm and damages suffered as a result of XXXX XXXX and Sunrise Credit Services Inc. wrongful conduct. 

I urge you to take swift action to resolve this matter, as I believe that it is in the best interest of all parties involved. I reserve all rights and remedies available under the law and the terms of the contract. 

Thank you for your attention to this matter, and I look forward to your prompt response. Please be aware 10 days from the date of this letter if resolution had not been agreed upon based on this dispute a case will be filed with XXXX arbitration. 



I
Product: Credit card

I went to XXXX for my birthday in late XXXX of XXXX. I used my credit card ending in XXXX once at a restaurant while I was there, a 2nd time at a pharmacy for medicine, third time at a XXXX gas station ( XX/XX/XXXX ) in XXXX XXXX on the way to the airport and the final 4th time in terminal 4 at XXXX XXXX XXXX. I originally claimed the 4th charge as fraud too because my girlfriend grabbed my card at the register in the airport because we both have Active cash cards. I realized a few days later I that purchase was made on my card and had it removed from the investigation. At the shady gas station, the attendant tried charging me over XXXX pesos. I argued with him for 10 minutes saying his pump is off considering I had 3/4 of a tank when I got there and XXXX pesos is over XXXX US dollars. He couldnt understand English and I only had XXXX pesos left so I gave him my card to use for payment so we could make it to the airport in time. He said the card declined and the price on the pump magically changed to XXXX, so I paid him XXXX pesos in paper currency and went on my way. Either the card went through and they charged it for {$380.00} or it was hacked and someone got the numbers. All 4 times I used the card in XXXX I never got a text immediately after like I do in the US to be sure the transactions were from me. Nobody can tell me the location of where the {$380.00} charge was made and Ive never heard of the place theyre trying to pronounce over the phone. The address to the XXXX gas station is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Phone number XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I appreciate you making the effort to update and repair some of the data on my creditreport, but there are still some items that need to be fixed. The XXXX Credit Bureaus must verifythese items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
XXXX XXXX XXXX XXXX Balance Owed : {$150.00} XXXX XXXX XXXX XXXX XXXX : {$1200.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX  Balance Owed : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of accounts in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ; Experian and XXXX are reporting incorrectly a charge-off on the XXXX XXXX XXXX partial account number XXXX. ( Please see pages 8 and 9 of the attached credit report. ) The property was sold at auction and this account has since been settled. This incorrect reporting is causing financial hardship on the purchasing of a new home and these line items need to be removed from my credit report. I have contacted the ( 3 ) bureaus to fix this, however I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit 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
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  and Transunion should not be reporting me as an authorized user on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.
Product: Credit card

Bank of America targeted me for an offer of XXXX XXXX miles upon opening a new credit card with them. I applied for and was approved, and only received XXXX XXXX miles. I was told I was not credit worthy. I have a credit score above XXXX, top 1 % of income, and a perfect payment history. This is a blatant bait and switch. I was offered to apply again, with the SAME CREDIT SCORE, SAME CREDIT HISTORY, and was given no guarantee that the promise of the missing XXXX miles would be kept. This is dishonest advertising, and disrespectful handling of a mishandled situation. They should make good on their promise, and give me the missing XXXX miles. They should not further string me along with the false promise that I will qualify for a larger credit line with a second application. This is dishonest.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2017 XXXX XXXX XXXX appeared on my Transunion credit report, I am disputing this inquiry and requesting documentation regarding a third party 's access to my consumer credit report pursuant to the permissible purpose provisions of the fair credit reporting act
Product: Student loan

IN THE SUMMER OF XX/XX/XXXX NAVIENT WHO IS A SERVICER FOR SALIE MAE HAD ME ON THE RATE REDUCTION OF 4 %. IN XX/XX/XXXX THEY INCREASED MY INTEREST RATE TO 15 % AND THE PAYMENT TERM ALSO INCREASED SO I AM PAYING MORE INTEREST THAN EVER. THIS RATE IS SAME AS A CREDIT CARD AND ITS VERY UNFAIR. I HAVE BEEN PAYING ON TIME ON A AUTOMATIC DRAFT AT THE 4 % INTEREST RATE. I CALLED NAVIENT AND ASKED THEM WHY THEY CHANGED MY RATE TO 15 % AND THEY SAID BECAUSE MY CO SIGNER CAN AFFORD THE 15 % AND ALSO BECAUSE THE INFORMATION ON THE CREDIT REPORT. MY CREDIT HAS BEEN THE SAME FOR THE LAST 5 YEARS. I THINK THIS IS A DECEPTIVE BUSINESS PRACTICE BY NAVIENT AND ABUSE TO POOR STUDENT THAT IS TRYING TO MAKE A LIVING. PLEASE TALK TO NAVIENT TO LOWER THIS INTEREST RATE AND DISCLOSE THE TERM OF THE LOAN.
Product: Mortgage

Since XXXX 2013 that is win Ocwen mortgage co. took over my account from IndyMac bank.ocwen hasnot reported my payments to the credit bureau. they told me that I needed to refiance my mortgage