23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I cancelled my service with XXXX back in XXXX of XXXX due to the horrible experience, customer service, and billing errors on my account, mainly due to the fact I was also moving to an apartment that didn't take XXXX. XXXX XXXX charged me multiple fees on my account that shouldn't had been such as two early termination fees on the dates of XX/XX/XXXX and XX/XX/XXXX along with unreturned equipment fees on XX/XX/XXXX in the amount of {$390.00}. In around XXXX I started received calls from a 3rd party collections company stating I owed them a balance and I notified them that I was in dispute with XXXX about the billing errors on my account and that I don't owe anything I've already paid my balance which included the 1 early termination fee of {$210.00} equal to a total final payment of {$560.00}. However, XXXX continued to charge me a total of {$1100.00}, I contacted XXXX multiple times between XXXX and XXXX when they sent me my final statements to let them know they were charging me incorrectly and that I had already returned all equipment when i cancelled service in XXXX and that they double billed me for two early terminations in XXXX, they then advised me they would adjust the charges and notate the account and that it would be updated in 24 hours of our call. Well that didn't happen they only adjusted the returned equipment fees for the {$390.00}. They then sent my account to a third party collection again for the balance of {$770.00} that I did not owe. I called XXXX today about the situation for the 5th time because it was reported to my credit on XX/XX/XXXX that I owed a balance which is inaccurate information! I had already paid my debt to XXXX back in end of XXXX beginning of XXXX for {$560.00}. They proceeded to still sent me to a 3rd party collection and have them report negatively to my credit for a debt I did not owe! I want this removed from my credit and for them to stop harassing me about a debt I don't owe when I have been calling every month about this balance they keep telling me they removed already. So just as reference I called again today and they told me they removed the {$210.00} AGAIN and gave me a ticket # XXXX or it might be # XXXX and they told me the debt would be removed and I don't owe them anything.
Product: Credit reporting, credit repair services, or other personal consumer reports

4 months before tge covid19 country lock down I had taken a small loan out for emergency repairs, less than {$2000.00} dollars. I had made all my payments on time. Then The lock down was implemented and I had to prioritize my bills and got be & ind on this loan, I wasn't aware of the covid19 protections during this time and next thing I know they charged off the account and turned it over to there collection attorney. This has ultimately hurt my credit. Now after learning about tge protections in place last year. I emailed the original company to offer to pay the loan off from the original balance not the balance now where they are charging me a late fee still. They said no and told me to talk to there attorney, so I disputed on my credit report that the reason behind this charge off was due to natural disaster. After it was investigated I was successful and that remark was added. This helped my score enough to apply for a mortgage so we could move. After applying for one I was denied due to credit score to low so I got on XXXX to look at my report and the natural disaster remark was removed and the charge profit loss was added back. So my score tank XXXX pts plus the balance increased. This is 4 months after I was successful, the company is required to notify me by writing within 5 days I believe and I never received anything. Well I have disputed this same thing now 3 or 4 times being successful every time only to have the company have the natural disaster remark removedand a negative impact remark added. Never once do they notify me. So now I reached out to the loan originator and there attorney for a copy of the documents which the company responded by telling me to contact the lawyer which I had already done. I believe they are charging me a late fee illegally because if they aren't the ones with the loan how can a collection agency increase the balance by charging a late fee. I need agreed to pay anyone other than the company that originated the loan, and I also believe they have violated the fair credit reporting act by having my successful disput removed 4 times never notifying me. And now I can't get a loan so I can't move. Which if I'm correct about the things they've done wrong then I should take a more legal approach. I never disputed the loan itself. Just that I was affected by natural disaster which I was directly affected.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureaus to verify the following accounts but after sending in a letter of dispute, they still failed to verify the said accounts. 

In accordance with the Fair Credit Reporting act, DPT EDXXXX Account number : XXXX DPT EDXXXX Account number : XXXX DPT ED/XXXX Account number : XXXX DPT EDXXXX Account number : XXXX DPT EDXXXX Account number : XXXX DPT XXXX Account number : XXXX DPT EDXXXX Account number : XXXX DPT EDXXXX Account number : XXXX XXXX Account number : XXXX XXXX XXXX Account number : XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have 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: Credit reporting or other personal consumer reports

I have contacted XXXX numerous times. I have contacted each of the credit bureaus to dispute the account reporting inaccurate information numerous times, and I have requested validation of the debt numerous times. I also have contacted my bankruptcy attorney and the bankruptcy trustee for assistance, with this account. However, XXXX is REFUSING to correct and/or delete this account with each of the credit bureaus as promised. It shows the account is a charge off/collections and is derogatory. This account was XXXX in my XXXX XXXX XXXX  ( case XXXX XXXX, filed XX/XX/23 and XXXX on XX/XX/23 ). XXXX is saying the account wsa sold to XXXX XXXX XXXX, ( although I never received any papers from XXXX XXXX and XXXX XXXX is not reporting anything on my credit reports ). When I call XXXX and enter my info, it says I owe a past due balance of {$7900.00}. I called XXXX XXXX XXXX and was told if XXXX was the original creditor and the account was XXXX, I need to file the bankruptcy papers with XXXX to have the debt updated and/or deleted from my credit reports. My attorney and the XXXX  XXXX have submitted paperwork to XXXX and XXXX XXXX. Therefore, I am not understanding why this account is still negatively and inaccurately reporting on all credit bureaus, nor has it been deleted as I was told it would be. 

I disputed and requested the credit bureaus provide validation of the debts along with innacurate and/or fradulent inquiries, and to delete XXXX  they verified these were fradulent and not done for permissable purposes. Transunion has transferred me to XXXX XXXX  ( said the calls were recorded ), and I was told the accounts and inquiries would be deleted in XXXX hours. It has been over XXXX ( XXXX XXXX ) XXXX  and NOTHING has been done.
Product: Debt collection

Thomas agency pain in full, $ XXXX-still on credit report
Product: Mortgage

XXXX XXXX XXXX XXXX XXXX  ) was bought or merged with Nation Star dba Mr. Cooper. I have had my mortgage with XXXX since XXXX of XXXX and been making payments. I set up auto pay and it didn't work, fortunately I was able to notice and called to make the payment manually for the month of XX/XX/2022. Now its XXXX and I am unable to make my payment when calling Mr. Cooper. When I called XXXX it was routed Mr. Coopers call tree and they, Mr. Cooper are saying my loan is still in processing and I can not make a payment at this time .... its the same company. 

This is causing a financial impact by being unable to pay down my principal which would reduce the interest I am being charged. Also, puts me at risk with missing a payment as I can't make a payment to them .... which has the ability to affect my credit score. 

This is causing me to pay more interest than I would otherwise causing a negative financial impact on myself. 

When I made my formal complaint to Mr. Cooper they then tried to say it was not the case but that is exactly how interest works ... its based on the current principal. Which I am unable to pay down. 

Plus it being XXXX when they have the loan already as they, Mr. Cooper, owns XXXX now. 

XXXX yr fix conventional loan.
Product: Mortgage

We applied for a mortgage loan with SOFI Financial the first week of XX/XX/2020. We locked in our rate for 60 days on XX/XX/XXXX. After sending in documents showing income, mortgage balances, credit report, we were told we were approved for our loan. Our home 's appraised value came out higher than we had initially valued it on the application ( so no problem there ). We received an estimated closing date of XX/XX/2020. 
When that date passed I contacted our loan officer to find out what the hold up was. He stated he'd look into it and get back to us. At that time he requested more documents that we had already sent in, but I sent them again.

When our loan officer failed to contact us over the next week, I contacted his supervisor and asked what the hold up was, since our lock was then expired, our estimated closing date had past. Within a hour of contacting the supervisor, our loan officer contacted us and asked for an explanation of a past foreclosure. I explained neither my wife nor I have ever been foreclosed upon, that there must be some mistake and why was this only now coming to light after they had pulled our credit report and twice informed us our loan was approved. I asked if this was retaliation for going to his supervisor. I asked if he was discriminating against my wife and I for some reason.

He said, " of course not '' just routine inquiry. He said he'd get our loan closed by the 90 day mark.

12 days later, after the 90 day mark, I contacted the company again to ask what was happening. I received an email asking for additional documents that we had already turned in several times and no other response. The email was the exact same email as 6 weeks before, that we had already responded to.

I believe SOFI is holding up our loan by requesting we send in the same documents over and over, hoping we'll cancel our application. Which is what I finally did after 93 days since we first locked in our rate.

We paid for an appraisal and wasted 90 days time on this matter. I can not prove it, but I believe my wife and I were discriminated against.

I requested a refund of the appraisal cost and {$2000.00} compensation for wasting 90 days of our time, and losing our rate lock, but I got no response on the matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 

XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Balance : {$0.00}, XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance XXXX {$0.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, US BKPT CT XXXXXXXX XXXX XXXX Reference # : XXXX Date Filed/Reported : XX/XX/XXXX XXXX Amount : {$0.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, and XXXX  XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm currently reviewing my current credit bureau reporting, and records show an inquiry from TD Bank USA/Target on XX/XX/2019. I have not applied for a TD Bank USA card or Target card. Evidently the information matches because It's on my credit report, however, I did not submit this request.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im requesting that ARS ACCOUNT RESOLUTION validate the debt below. 
This letter is not a refusal to pay ; however, I would like to advise your company that I am disputing your claim. Under the FDCPA, I am allowed to request validation from third party collection agencies. As you know, failure to comply with the FDCPA will put your company in a bad position with the FTC, so I am asking that your company supply me with a copy of the following : ( XXXX ). Proof that you either own or were assigned the debt from the creditor. 
( XXXX ). Proof that you have the right to collect this debt in my state. 
( XXXX ). Proof that your company carries a bond. 
( XXXX ). Proof of how your company assessed the outstanding debt. 
( XXXX ). Payment history from the original creditor. 
( XXXX ). Name and address from the original creditor. 
( XXXX ). Copy of the original contract bearing my signature. 
( XXXX ). Chain of title on this debt. 
( XXXX ). Proof that you can collect this debt from me. 
( XXXX ). Do you own it or is this debt assigned? 
( XXXX ). Copies of all letters sent to me from you and from the original creditor. 
( XXXX ). How much did you buy the debt for? 
( XXXX ). When was the last date a payment was made on this debt? 
( XXXX ). What fees/interest was tacked onto the debt? 
( XXXX ). How were the fees determined? 
While validating this debt, you must cease all collection efforts until you can send me sufficient proof as listed above. If you choose not to send me the proof requested, you must delete the reference account from my credit report. 
Thank you for your time and cooperation
Product: Debt collection

Good evening, My name is XXXX XXXX. I received notification that this collection company is trying to collect on behalf of a rental property. 

I have never applied to that rental property and this debt is a result of Identity Theft. 

In the Application, the name that Appears is XXXX XXXX XXXX but I don't have a middle initial. 

This debt does not belong to me. Please have them remove this from my credit report before I have to seek legal action. 

Thank you.
Product: Credit card

I recently was reviewing my credit report and noticed that a lot of these accounts and inquires do not belong to me, I've listed the following accounts below. 



Account name XXXX XXXX Account number XXXX Date opened XX/XX/2022
Product: Credit reporting, credit repair services, or other personal consumer reports

I have two different companies reporting the same account on my credit report. 

XXXX in the amount of {$550.00} XXXX XXXX  in the amount of {$550.00} I have worked with a credit service and the problem has not been resolved.
Product: Credit reporting or other personal consumer reports

I have been a victim of identity theft, upon checking my credit report I have noticed that address and accounts are reporting to my credit report fraudulently. I have already filed a police report and FTC report about this matter submitted it to XXXX, XXXX, and XXXX. I have also sent this information to the creditor who is reporting this information. These addresses and accounts are hindering me financially.
Product: Credit reporting or other personal consumer reports

I am disputing incorrect information on my credit report regarding accounts marked as late payments. After carefully reviewing my payment records, I can confirm that these accounts were paid on time as agreed. The inaccurate reporting of these late payments is negatively impacting my FICO Score. 

According to U.S. Law 15 U.S.C. 1666b, which governs the reporting of late payment remarks, I am entitled to a thorough and fair investigation of disputed items. Since these payments were made promptly, I respectfully request that the status of these accounts be corrected to accurately reflect the on-time payments. 

I kindly ask that you investigate this issue and update my credit report as soon as possible to ensure my credit history is accurate. I appreciate your prompt attention to this matter.
Product: Debt collection

On XX/XX/2020 a lady named XXXX XXXX called 3 family members. Violating confidential information by telling one of them that she was going to 1. ) sue me for an old debt that I have with 2.  ) Key Jewelers also 3. ) giving the amount that I owe. Giving all info to a third party is illegal and against the Fair Debt Collection Act. 

When I called back and spoke to XXXX, She was not satisfied with me not being able to pay for the debt at the time, she threatened me twice by saying she was going to take me to court and sue me. When asked for an address to send correspondence to, she refused to give it. Making threats is also against the Fair Debt Collection Act
Product: Checking or savings account

I noticed there was an unauthorized charge to my personal checking account using my debit card, which was still in my possession. I only noticed because my balance was lower than I expected. I went through the charges and noticed a charge for the amount of {$310.00} from a company by the name of XXXX airline. I have never done business with any airline in my entire life, I don't have a passport, and I have never even been on a plane. I saw the charge was made on XX/XX/2023. I tried calling the airline to find out what happened but was unable to speak to anyone at that time without having any ticket or reservation number. I called my bank directly. I was transferred to the claims department. They advised me the money would be put back into my account and I would have to cancel my bank debit card and they'd send me a new card. All of this was done and the account was credited on XX/XX/2023. I noticed my bank account was again lower on funds than expected and saw that on XX/XX/2023, the charges from the airline were reversed and Chase had taken the funds out again. I called as soon as I noticed and was once again directed to their claims department. The representative I spoke with said they had conducted an investigation and it was noted that the charge was used with my physical card at a chip reader using my PIN and they determined at that point my claim was reversed. I advised them that at no point did anyone but myself has access to this card and that I have never made any purchase in person or otherwise with this company. I asked to have the call escalated and Spoke with a Claims Supervisor, who told me the charges would not be put back into my account because I obviously used the card as it showed them it was a chip read PIN purchase and I must have forgotten or gave my card to someone to use. I vehemently disagreed and was very frustrated because the supervisor told me, " You have to prove it because it says you entered your PIN, you must have let someone use the card and forgot '' I again denied that allegation and got very upset. I asked her if it was possible that my card was skimmed and used this way and she said, " Anything is possible but YOU have the burden of proof, we can't put the money back. '' I asked if there was any info she could provide me with to use such as a purchase number or ticket number so I could try and contact the company who charged my card to try and resolve it. She stated no and was mad with my for raising my voice and said she couldn't do anything for me and asked me if she could do anything else. I hung up. I tried calling and speaking with a customer service supervisor to see if there was any way to find out more information regarding the transaction but was told unfortunately I would have to call the claims department to speak with them even though I explained the issue. I have no way of resolving the issue with the company who charged my card because in order to speak with a representative I would need a ticket or reservation number, both of which I do not have because I never made this purchase. Please contact me to help? Thank you in advance.
Product: Credit reporting or other personal consumer reports

The Credit bureau 's stated Account Name & Account # was properly investigation but how is that possible if the open date is inaccurate, the date last active, and date last reported is not accurate. This ground for removal. They also violated my right under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish a account without my written instructions. 

I haven't given these accounts written permission to furnish these accounts on my credit report as well.
Product: Credit reporting 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. 
**See Attachment, I have several accounts about 30 they are highlighted in Yellow has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

***I am not able to get a job in my career field or even buy a home for me and my kids. I am not able to assist my XXXX XXXX due to lack of income because of my identity fraud. This is hurting my life and my kids. I am a XXXX XXXX  and trying to live. Please remove this false negative information. Thank you
Product: Credit reporting or other personal consumer reports

I'm submitting this complaint personally to resolve unauthorized credit inquiries on my record that don't pertain to me. It's crucial to remove this fraudulent information right away.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit the XXXX XXXX XXXX or https : XXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an ID theft report. Please find the ATTACHED documents to assist in blocking the erroneous information that is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Student loan

I was told that I needed to sign up with the company for a loan forgiveness plan. I have been paying the company American Financial Benefits Center since XXXX and none of the money paid went to paying off my loans as I was told it was. XX/XX/XXXX until XXXX of XXXX I have been paying {$99.00} to AFBC for nothing. The first 9 months of the plan I was paying them {$190.00}, totaling in about {$4500.00} I have paid to the company for absolutely nothing.