23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

In XXXX of XXXX I researched XXXX service prices. I mistakenly scheduled an installation date which I promptly canceled. I then received a bill for {$160.00} for services, though I never received any. I called XXXX and confirmed the appointment and account were canceled and no balance is owed. 

I am now receiving collections letters from Radius Global Solutions, LLC that I owe {$160.00} for a past due account with XXXX. I called XXXX today, XX/XX/XXXX, and spoke to 5 different agents who all confirmed the account is canceled and no balance is owed. I asked them for help removing this collection but none could find any evidence as to why there would be a collection. They continued to transfer me to several different departments but none could help. 

I have never received any type of service from XXXX and do not owe them money.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian 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 an account opened at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 # ( XXXX ) 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 or other personal consumer reports

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2023
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently started montering my credit and I notice accounts on my credit profile that I have never been made aware of until now. My information was compromised due to XXXX  's data breach and I would like these accounts removed from my credit profile
Product: Credit card

Prior to my divorce, my ex husband was able to open up several accounts online in my name using my information. I have been able to get everything except an account he managed to open in my name with Capital One. After getting nowhere with them, I filed a dispute XXXX. Instead of removing it, I received letters from CO thanking me for my recent inquiries into my account. This is infuriating, as I have not had an account XX/XX/XXXX with them. I have tried to call them, but instead of listening they try to trick me into making a payment- which I am not going to do. This was not my account and I will not be making any payments to it. I knew nothing about this account XX/XX/XXXX, when I had my credit pulled by a mortgage company, hoping to get a home loan. 
I am tired of dealing with this, and I need some help. I worked very hard to close out any account that I had opened in effort to be debt free. While I realize that hurts credit too, I did not want to owe anyone anything. I need help with this.
Product: Credit card or prepaid card

This complaint relates to a practice of Discover Card, which I believe is a standard practice in the industry - namely that credit card interest rates are automatically raised to penalty rate levels if a customer is late with payments and/or exceeds his/her credit line, but are NOT  RESET to lower levels once an account is back in good standing. 

During a period of time when I was self-employed between XX/XX/XXXXand XX/XX/XXXX, I had some occasions when I was not able to make timely payments. As a consequence, the interest rate on my account was increased to 29.99 %. Over the past several years, I paid down the balance on my account and put the account on automatic payment so that {$450.00} or the minimum payment would be made each month. I have had this arrangement in place for at least the past four years - if not longer. For example, my account balance as of XX/XX/XXXX was XXXX against a credit line of {$15000.00}. XXXX payments of {$450.00} per month were being made. At that time, the interest rate on the account was still 29.99 %. My credit score, by the way, according to my statement from Discover was XXXX. I should note that this is the only credit card I have and that my only other debt was a car loan which is also paid automatically from my checking account. 

I did check with Discover at the time to see about reducing the rate on the account but received no satisfaction. 

I have maintained the account in good standing since that time. I have used the card more heavily in the last 15 months partly on account of unexpected travel and partly because I was moving away from using my debit card because of some fraudulent transactions on that card and the general advice not to use a debit card for expenses. As a consequence, the balance increased on the card. However, due to the 29.99 % interest rate, the balance grew more rapidly than I expected since so much of my automatic payments were going to interest. For my statement ending XX/XX/XXXX, the balance on my account was {$18000.00} against a credit line of {$18000.00}. The minimum monthly payment of {$510.00} included a charge of {$490.00} for interest for the month - still being charge at 29.99 %. 

My complaint is this : how is it a fair business practice - or in the interests of promoting prudent financial practices among customers - for a credit card company to have automatic programs for raising interest rates to penalty rates and yet have no programs for the reduction of those rates.
Product: Credit reporting or other personal consumer reports

In XX/XX/year> a late payment was inaccurately reported. I requested information from all three credit bureaus to retrieve the method of verification and never received a response. After XXXX days it's supposed to be a violation of the CFPB. 

I requested the following : - The name, address, and telephone number of the entity or individual that provided the verification information. 
- A detailed description of the procedure used to verify the accuracy and completeness of the information. 
- The date when the information was verified. 
- Copies of any documents, records, or evidence used in the verification. 
- Records or summaries of all communications between all three bureaus and XXXX XXXX XXXX concerning this dispute.
Product: Credit card

On XX/XX/2023 around XXXX CST a representative with Citi Bank disclosed my account information to an unauthorized 3rd party. While i was away from my phone, i received a call, my sister answered the phone for me since i was not in the same room as my phone. When my sister asked who was calling ( to leave a message for me ) the representative went into detail with my sister regarding my credit card account. There was no verification on the representative 's part on who she was speaking with, or if the person who answered the phone was me the account holder. My sister asked to speak to a manager/supervisor while informing me of what just happened. I was able to speak with a representative by the name of XXXX ID # XXXX who identified as a Escalation Specialist. When i asked for the name of the representative that disclosed my information to an unauthorized 3rd party XXXX could only give the representative 's ID # XXXX. I asked XXXX what their practices are for verifying consumers, XXXX explained that they only confirm first and last name. I expressed to XXXX my concern for the lack of verification on the initial phone call that the representative gave my account information out openly without confirming they were speaking to the correct party. XXXX apologized.
Product: Debt collection

I have received a letter from Sequium Asset Solutions LLC XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX This company is telling me I owe XXXX money and I have verified TWICE now with XXXX that there is NO OUTSTANDING DEBT! 

Reference # XXXX from XXXX are : XXXX XXXX and now XXXX XXXX Please make the harassment STOP.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed these fraudulent accounts and inquiries on my credit reports and I've disputed them several times with the companies and XXXX, XXXX and XXXX and they are still stating these are mine without properly verifying. Some of these items are more than 7 years old. Please remove the following fraudulent accounts and inquires immediately, thank you. 
Accounts Opened Amount CAPITAL ONE XX/XX/XXXX {$4000.00} XXXX XX/XX/XXXX {$1700.00} CAPITAL ONE AUTO FINANCE XX/XX/XXXX {$0.00} XXXX XXXX  XXXX XX/XX/XXXX {$540.00} XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX {$2800.00} XXXX XXXX XXXX XX/XX/XXXX {$800.00} XXXX XXXX  XX/XX/XXXX {$230.00} XXXX  XXXX XXXX XX/XX/XXXX {$1400.00} Hard Inquiries XXXX XXXX XX/XX/XXXX
Product: Debt collection

In XXXX of XXXX I told ProCollect to Only discuss a debt I allegedly owe with my attorney after they dinged my credit without ever sending me a letter saying I owed the debt or verification of the debt. 

On XX/XX/2019, one of their employees called me and harassed me about this debt. I told him I had already in writing asked the company to only speak to my attorney. He hung up on me. 

On XX/XX/XXXX, I wrote ProCollect and told them that their employee broke the law and contacted me instead of my attorney. 

Today, ProCollect reported on my credit report that I had a LATE PAYMENT on this debt. This is a collection debt, I did not open an account with ProCollect and they still have not sent me evidence of this debt. 

Not only did they contact me instead of my attorney, now they falsely reported this alleged debt as having a late payment!
Product: Credit reporting or other personal consumer reports

Discover Card has refused to remove a debt from a bankruptcy from my credit report. First, we are talking about two entirely separate Discover Card accounts. One Discover card account was a part of a bankruptcy in XXXX, PA bankruptcy court. The bankruptcy that included this Discover Card account went final in XX/XX/2013. Several years after that account was gone. I, XXXX XXXX, took out another Discover Card. Discover filled the card, never notified me that they now felt I had reinstated the debt from the bankruptcy of $ XXXX and after sending me the New Discover card, with an entirely different card number, started to dun me for the debt from the bankruptcy. I paid off the balance of the Discover Card they had issued me, which did not show any balance other than the charges I had made on that new card, and began what has become a fight against Discovers bureaucracy to remove the $ XXXX debt that had been in my bankruptcy filing. Again, this seems straightforward. I had a Discover Card account that had a $ XXXX balance, that was wiped away in XX/XX/2013 bankruptcy filing going final. Several years later, I applied for another Discover card and received one with a credit line of {$1000.00}. After using it and paying on it, Discover said I had accepted the balance of the amount that had been part of my bankruptcy. Over {$5000.00}. I could not convince Discover that this was wrong on their part. I NEVER saw received any paper or phone call verbally saying I would pay them the dollar amount from the bankruptcy. I then paid off in full the Discover credit card they had just issued me, with a completely different account number than the old Discover card account number, that had been a part of my final bankruptcy. Discover seems to be taking some kind of glee out of this whole process. As if they know as long as they say I owe the money from the PRIOR Discover card account that was declared in my XXXX Bankruptcy filing, even though they NEVER TOLD ME EITHER VERBALLY OR IN WRITING that I was accepting the debt from several years ago that had been wiped clean by my XXXX bankruptcy. Discover card I believe is in the wrong. My lawyer from the bankruptcy even sent them all documents again, but Discover wrote off the $ XXXX and sold the debt on the open market. I believe that what Discover did was wrong and against the law. And I believe that Discover must fully remove all debt they say I owe from my credit reports and further that what Discover has done to me, for almost ten years now since that second Discover card I got, that had a credit line of {$1000.00} which I completely paid off and closed and has caused me some very bad nights over the years with the debt collectors continually hate adding me, breaks a rule in law in which I was never given informed consent that opening a new Discover card account, would reactivate the debt, a totally different debt with a different account number, and allow Discover to harass me as they, and the numbers of debt collectors the Discover debt was sold to after Discover wrote it off.
Product: Money transfer, virtual currency, or money service

XXXX XXXX XXXX Clerk of Court RM:XXXX United States District Court For the XXXX XXXX XXXX Circuit XXXX XXXX XXXX XXXX. 
XXXX D.C. XXXX Director Of CFPB Bureau of Financial Consumer Financial Protection XXXX XXXX XXXX XXXX XXXX, D.C XXXX Attorney XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX, XXXX, DC XXXX The purpose of my complaint is to petition the CFPB to have the Clerk of Court XXXX XXXX, The Director of CFPB, and Attorney XXXX XXXX XXXX XXXX, to review the Complaint number XXXX was filed by me, the CFPB staffs did n't allow me to have access to my own complaint I filed. Then, CFPB forced me, to have my wife write the authorization letter to add me on this complaint that belong to me. Then later, I can not able to see this complaint post on the CFPB complaint website. our documents were posted on this complaint above, my wife 's copy of her social security number, Copy of her XXXX ID, copy of the POA, copy of my XXXX Driver 's License, and those two copies of my Credit score from XXXX supposed to upload on the Complaint XXXX supporting documents I fax to the CFPB Fax number XXXX when I follow up the CFPB staffs employee lady told me, she does n't know where are they, and I have to refax again I asked her, if I can speak to the person receive those documents, she said, there is no telephone number, my credit score were XXXX fair, XXXX good, and XXXX very good on the copy I fax, I wrote, Att : CFPB Director. Reference number the case number above and the other one. 
The reason I put the Clerk of Court, I trust her, and also signed documents to Trade Secret with her, and the reason I address to the CFPB Director to let him know, what is going on with this CFPB office to corrected, and Attorney XXXX XXXX was our Attorney, and I talked to him to help us to transfer our money from the XXXX XXXX XXXX to our account here on XXXX. 
I also want to address that I declared our civil rights has been violated as well as our privacy has been violated too.
Product: Mortgage

I submitted the attached letter to the servicer of my loan asking that they send copies of my trial period payment loan modification offers. I 've had XXXX offers that I 've paid on and the servicer had refused to make permanent. They are now also refusing to send me copies of the offers they made on ( XXXX/XXXX/XXXX and XXXX/XXXX/XXXX ) Attached are also copies of my payments made I have also requested other information which they refuse to provide without a proper objects. 

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

on XX/XX/2020 I sent letters to Equifax and XXXX stating the information that they are reporting is inaccurate and it needs to be removed according to the FRCA section 611 ( a ) ( 1 ) ( A ) and they have yet to remove the public information. on XX/XX/2020, I contacted the United States Bankruptcy and they have informed me that they did not violate the FEDERAL PRIVACY ACT of 1974-5 U.S. CODE section 552a. they did not disclose my information to an credit agencies. Also these bureaus are in violation of FRCA section 609 by not providing me with verifiable proof of any original signed contracts bearing my signature as required by federal law. which was sent to them. they have also exceeded the time allotted by law to remove these items off my credit file
Product: Credit reporting, credit repair services, or other personal consumer reports

This was closed because it was not specific. I will make it specific. XXXX XXXX took over my account in XXXX. It was about 5 yrs old. The 30 year term ended in XX/XX/XXXX XXXX in other words, all payments were made at that time. HOWEVER- even though the contracted payments were all made, they still claim I owe XXXX of what I started with after 30 yrs of payments. In XXXX of XXXX I was selling the property and trying to get a payoff from them. I didn't pay because the payments were all made. Why should I make payments on a mature loan? They reported me late XXXX -- you verify it and it comes back in a day. I want specifics. It is incorrect. Further its a cares act violation. I was involved in a forbearance and it was current so its illegal for them to report it late. All credit reporting and letters are forwarded to XXXX. how can someone in XXXX determine the laws of the US for credit reporting? they just send the same documents and do not do anything -- but you accept them and do nothing to verify and that is why this complaint is coming to you. ACCT XXXX I will be pursuing this- trust me.
Product: Credit reporting, credit repair services, or other personal consumer reports

These fraudulent accounts do not belong to me XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

EXPERIAN is reporting that Late payments on account XXXX XXXX account number : XXXX on my personal credit report. I was never late on this account. Experian can not provide proof of these negative marks. I demand they update this account to paid on time/ never late, as it should be. And mail to me a Correct credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am in the process of purchasing a new vehicle and in doing so I had to pull my credit reports and found there were multiple accounts that are inaccurate and should not be on my credit report. I understand mistakes happen but this needs to be fixed expeditiously because these accounts are damaging to my credit report and I dont have the luxury to just wait around and let the problem fix itself by your agency. Under 15 U.S. Code 1681e ( b ) ( b ) ACCURACY OF REPORT Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

I know that under 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. If you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
DEPT. OF EDUCATIONXXXX XXXX XXXXXXXX... 
DEPT. OF EDUCATIONXXXX XXXX XXXXXXXX... 
DEPT. OF EDUCATIONXXXX XXXX XXXXXXXX... 
DEPT. OF EDUCATIONXXXX XXXX  XXXX... 
XXXX - XXXX... 
XXXXXXXX XXXX XXXX XXXXXXXX... 



I have attached a copy of my ID for identity verification and a bill for address verification.
Product: Debt collection

This company is violating my rights they have not provided validation information Under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on my consumer report recently. I Have made previous attempts to fix these issues directly with them and they are violating my rights and I am entitled to {$1000.00} for every violation I listed, they need to either pay me my money or delete these accounts ASAP no exceptions. This is ridiculous and it is illegal.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. 

XXXX XXXX XXXX Date Opened : XX/XX/2018 Balance : {$9700.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 Section 604A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions.

Under 15 USC 1666b A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose Company : AFFIRM Loan ID : XXXX XXXX XXXX XXXX XXXX