23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Let you know XXXX XXXX  and when they email me other XXXX. I dont use it very often they said will turn collection if not hear from me which I did email them fast and they never email me at all I have save all information. Then they keep calling calling after they did put collection without no commuimcate. That was nit suppose collection first place I did answer then they ingore they decide collect becuz nkt  hear from me. I did called they keep hung up on me becuz nkt accpet relay service so they turn around keep calling and act like robot. I keep email they dont get it. They did out collection without no commuimcate or agree nothing at all. I dont owe the money becuz that. Is. Part of water bills not rent. Look bad on my record and telling lies I was evicted which I did not evtied I moved out XXXX do have all proof and the rela. Company of owner apartment did communicate with me and I did pay a lot of money the water bills was rip off like XXXX. I did told apartment something is wrong with water bills was not normal as XXXX dollar a month my friend who live next door. Onky pay around XXXX to XXXX. I know what the water like I was working all day no one use the water. So they should nkt put my XXXX collection without no commuimcate and frustration that collection was nit even start without no commuimcate I did email them they wait longer act like nothing hear from me was a lied. Collection all want the money and lies about it I have proof. Email and billing been pay XXXX to XXXX. That happened during XXXX was really bad and decide to stop pay they want more more money using me that amount. 
They decide to wait until XXXX yrs later collection honest lack of communicate and nkt accpet call third party from sign language interpeter. XXXX XXXX. Also I think it is wrong out collection withought commuimcate they. Been nkt accpet me as over phone they said email I did they wait wait wait. Too long to respond then they call me for a robot. Harrsmment very harassment. 

Thats why I dont trust collection who nkt accoet me as third party if XXXX XXXX  communicate and make agreement instead of out collection without no communicate I have always communicate it is their fault. I feel like they are dirty and lies to my three credit report and they beleive their lies story not me. Three credit report not aware and think it is ok for them lies and harrsment and play game with me.
Product: Vehicle loan or lease

I sold my XXXX XXXX XXXX and the loan was subsequently paid off. In the process, it took time for me to cancel my automatic payment form my credit union, and another payment of {$1200.00} was made to my now closed loan with Suntrust. I immediately called and advised XXXX that that payment was made incorrectly, and that i needed that money back. They said wait a day or two, and the payment would likely be returned since the account was closed paid off. I checked multiple times over the next few days to no avail. I called back in, XXXX then said it had been accepted, even though I had called earlier about it and it would now take 10 days before they would I initiate a return ACH. I was not happy that it would take that long. I called them back on XX/XX/XXXX to find out that it would take another 10 business days for the ach to take place. I have asked for a supervisor multiple times, which resulted in hold times of 10-20 minutes and then turning into a callback request. I was never called back on any of those occasions. I have asked for details on where my money is being returned, to no avail, so I can give that to my credit union for research. Still no info has been given to me, and their supervisor ( s ) have not called me back. They have had my {$1200.00} now for 29 days and cant tell me where it has gone.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1700.00}, {$0.00}, {$0.00}, {$230.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNTS 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXXwith a balance of {$1700.00} -This is not my account. 

2. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

3. XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- OTHER ACCOUNT 4. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$230.00} -This is not my account.
Product: Student loan

I am currently making payments to fedloans and am part of the public service loan forgiveness program. I began making qualifying payments XX/XX/XXXX and have submitted recertification forms yearly. In XX/XX/XXXX the number of qualifying payments to one of my loans dropped from 33 to 27. I called fedloans and requested a recount. I was told it would take 3 months. I have called every 3 months since that time and have not been given any information as to why several of my payments are no longer being counted or when the recount will be done. It has now been 17 months and the counts are still incorrect and new payments have been counted since XX/XX/XXXX.
Product: Debt collection

I received notification that I owe this company a debt. I have checked my records and have not found that I have any outstanding debts that are not paid.
Product: Credit reporting or other personal consumer reports

Sure! Below is a sample dispute letter you can use to request the removal of inaccurate or false information from your credit report, referencing the relevant laws Subject : Dispute of Inaccurate Information on Credit Report Dear Sir/Madam , I am writing to formally dispute certain information on my credit report, which I believe is inaccurate. According to my most recent credit report, the following item ( s ) are incorrect and need to be investigated and removed : I am requesting that these items be investigated, as required under Section XXXXi of the Fair Credit Reporting Act ( FCRA ), which grants me the right to dispute information on my credit report that I believe to be inaccurate, incomplete, or unverifiable. The information provided appears to be false or outdated and I have reason to believe it does not accurately reflect my credit history. 

As per Section XXXXb of the FCRA, only accurate information should be reported to consumer reporting agencies, and I believe these entries are in violation of that provision. Furthermore, Section 1681e mandates that all information provided in a credit report be accurate and complete. The continued presence of these incorrect items on my credit report is a violation of my rights under this law. 

Please investigate the dispute within the timeframe specified by law and remove or correct any inaccurate or unverifiable information that does not meet the required standards of accuracy and completeness. 

To facilitate your investigation, I am attaching the relevant documentation that supports my claim, including copies of [ any documents such as account statements, correspondence, etc. ]. If you require additional information to complete your investigation, please contact me at [ your phone number ] or via email at [ your email address ]. 

I would appreciate it if you could inform me in writing of the results of your investigation. If the disputed information can not be verified, I request that it be removed from my credit report immediately. 

Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Information on Experian belongs to another person with similar name who lives in another state. 
Can not access Experian account to place credit freeze due to not knowing other person 's information and customer service not available on the weekend. 
Already placed credit freeze with XXXX and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXXXXXX XXXX, VA XXXX ( XXXX ) XXXX I have never apply for this account and it shows up as a hard inquirie I want this remove.
Product: Credit reporting, credit repair services, or other personal consumer reports

Our Credit was compromised / stolen during the XX/XX/XXXX-XX/XX/2017 Equifax data breach.
Product: Credit reporting or other personal consumer reports

Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report.

Per 15 U.S.C 1681e 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.

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity.

Furnish information about accounts or other relationships with a consumer that is accurate.

C - Conduct reasonable investigations of consumer disputes According to XXXX, in order to make a lawful report, you must follow the Metro 2 compliance standards. 

Also as stated in the XXXX Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports.

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards.

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB , FTC and my Attorney General.
Product: Credit reporting or other personal consumer reports

I have no association with the listed creditors, and these inquiries are not my own.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : Please cease all collection activities you have begun or are considering to take against me. I plan on filing a petition in bankruptcy court in the coming months. 

Bankruptcy - XXXX " The bankruptcy information in my credit file is a result of unauthorized use of my social security number and other personal details. These accounts do not relate to anything I authorized or participated in. The Federal Trade Commission ( FTC ) is currently investigating the matter. Additionally, the information on my report does not comply with XXXX XXXX credit reporting standards. I have evidence to support my case. Again, I did not consent to the sharing of my non-public information, and the reporting of these items is neither fair nor equitable to me as a consumer.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act : XXXX from XXXX XXXX XXXX, has violated my rights, 15 U.S.C 1681 Section 602 A, States I have the right to privacy.

15 U.S.C 1681 Section 604 A, Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1692b acquisition of location informati
on by debt collectors.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>2025 I was notified of an inquiry made by WFBNA Auto that I did not authorize.
Product: Mortgage

n XX/XX/XXXX I started having trouble paying my mortgage and soon after I reached out to XXXX for a loan modification. 
At that time the property value was approximately XXXX. 
Delay after delay and finally I get approved for my modification and after XXXX takes and deposits my XXXX payment ( document attached ) they transferred my loan to another serivicer, this is the game these banks and servicers play so they look like they are helping by granting the loan modification but then they transfer you to another serivicer who then makes you start the process over, the grueling process, and the next servicer denies you the loan mod. which they tried to do in my case. 
So after paying the new payment of XXXX a month I was transferred to BofA who then made me go through the whole process again and then increased my payment XXXX to what would have been almost XXXX a month after all the adjustments after a few years into the loan. 
After some complaining and alot of back and forth BofA switched my payment back to its original loan mod payment I was approved for by XXXX XXXX a month however they saide instead of it being fixed like the XXXX loan they will be changing it in five years and then again in another year increasing my payments by approximately XXXX-XXXX a month when it finally adjusts. 
This is not acceptable. I want the original loan modification that was originally agreed to by me and XXXX of fixed XXXX a month and I want the principal reduction that XXXX at XXXX said I was going to get, I would be getting a principal reduction as they payments were being made and the reduction would have been to its fair market at that time. 
So I am demanding that my original loan mod be put back with the principal reduction I received at the tiime XXXX approved the loan. XXXX at XXXX said in conversation to me that yes, principal reduction is part of this loan mod. as it stands now my loan balance is XXXX which is above water on the property, why are you keeping my loan underwater on a loan mod I was promised principal reduction and I want it back down to XXXX what was promised me in my original loan mod with XXXX just like you changed the payment from almost XXXX back to XXXX I want the principal reduction I was promised too. That was part of my original loan mod and I want it back. I got my payment back, but that is n't enough, I want my principal reduction back now. I had my loan mod with principal reduction and a good payment, that was all taken away when XXXX transferred me to BofA and BofA blatantly took it away, I partially got my payment back by complaining to the CEO of BofA XXXX XXXX and the CFPB etc, but they did n't restore all my payment, now I am demanding my fixed payment not increases XXXX a month for the life of the loan, and my principal reduction to the fair market value when I applied for my loan mod back XX/XX/XXXX-XX/XX/XXXX
Product: Payday loan, title loan, personal loan, or advance loan

A solar panel company named " XXXX XXXX '' works with the loan service company " Solar Mosaic Inc. '' This loan service company is a part of their contracts for all solar panels. I had to sign the load request as a part of the finance plan for solar panels in XX/XX/XXXX and the solar panel installation plan. However, the company XXXX XXXX could not fulfill all requirements for the solar panel installation, and the account became inactive as of XX/XX/XXXX ( one year ago ). However, the loan service company " Solar Mosaic Inc. '' started to request money back in XX/XX/XXXX when no conditions were met in the contract. I called " Solar Mosaic Inc. '', and they said the solar panel company CAN only cancel it. So, I immediately contacted XXXX XXXX and asked for loan cancellation. They promised to do cancellations in 60 days, but nothing has transformed to " Solar Mosaic Inc. '', and this loan service company called to ask for money. We appreciate it if this issue could be resolved.
Product: Credit card or prepaid card

Greeting XX/XX/2021 We called XXXX AND XXXX XXXX XXXX XXXX, to find out about an engine. The price was {$3400.00}, {$500.00} for deposit, plus an additional {$75.00} for the core deliver date was XX/XX/202. 

XX/XX/2021 not delivery XX/XX/XXXX, got a call from XXXX stating that the " the terms had been changed, now the core value had gone up for {$500.00} '' I asked them to cancel the order and the gentleman said, " I just lost my money '' Barclays XXXX is favoring merchant, and never called me or requested additional information. I opened the case again and they still favor the merchant. 

As per Merchant, I refused to accept deliver of the engine and pay the remaining balance, the engine was never deliver. 
I never changed my mind, the change the terms increasing the core value. 
Never was disclosed in any way, verbally, email or mail that deposits are non-refundable. 
I never received a receipt from XXXX XXXX XXXX XXXX XXXX XXXX, in their website weeks later I found that they a Credit Card Authorization Form which I never filled out. 

I would like for you to know how My Credit Card Company " Barclays '' handles their customer complaint and let people steal money from the consumer. 
I got charged {$500.00} for not reason and this company make {$500.00} for not doing anything. 

Best regards XXXX XXXX
Product: Credit reporting

I have never lived in Utah. There is a Utah address listed on my credit report.
Product: Credit reporting or other personal consumer reports

I want to file a complaint against Equifax credit bureau due to them reporting inaccurate information on my account repeatedly! I have spoken with the original creditor which is XXXX XXXX XXXXXXXX in which they have confirmed I no longer owe on this account and the account is XXXX balance! XXXXXXXX XXXX XXXXXXXX also stated that they have reported this XXXX balance to equifax and also sent me a letter detailing the information, they also stated that they sent Equifax a several letters on my behalf. XXXXXXXX XXXX XXXXXXXX let me know that they have experienced this same situation with 2 different clients and equifax! I would like this removed from my report as it has dropped my score XXXX points due to Equifax removing the account then adding it back and refusing to investigate the situation!
Product: Credit reporting or other personal consumer reports

I hope this message finds you well. I am writing to express my deep frustration and disappointment with the ongoing issue concerning the removal of fraudulent items from my credit file, despite my tenth attempt to rectify the situation. Despite providing extensive evidence and diligently following the prescribed procedures, it is deeply concerning that the problem persists without resolution. 

I implore you to prioritize this matter with the utmost urgency and take immediate steps to remove the fraudulent items from my credit file. Furthermore, I expect to be kept informed of the progress made in addressing this issue and seek appropriate compensation for any damages or losses incurred as a result of this persistent error. With this, I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Balance : {$650.00} CITICARDS XXXX XXXX Balance : {$650.00} ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$310.00} XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX BV XXXX XXXX, T XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

TOPIC : Mr. Cooper Between XX/XX/XXXX - XX/XX/XXXX violated the Fair Credit Reporting Act ( FCRA ) 1 ) Failing to report complete and accurate loan information on a monthly basis. Mr. Cooper did not accurately report credit to all XXXX credit report agencies accurately and/or at all from XX/XX/XXXX to XX/XX/XXXX. I spoke with a representative of Mr. Cooper, XXXX # XXXX, XXXX XXXX, who stated Mr. Cooper reports on or around the XXXX of each month to all credit reporting agencies, and according to all XXXX of my credit reports from all XXXX agencies that have not been done as stated above in the topic. 

XXXX ) Failing to modify and/or delete information when required. This information was reported to Mr. Cooper as instructed ; however, the request was ignored and the incorrect information remained on the existing credit report in addition to not reporting to all XXXX credit reporting agencies timely each month.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX 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 an account without my written instructions.
Product: Debt collection

XX/XX/XXXX of 2022, a negotiable instrument was tendered in accordance with various XXXX XXXXXXXX XXXX for the complete amount of said claim in accord and satisfaction of said claim upon the redemption of the instrument which i signed without recourse and which this instrument was redeemed sometime end of XXXX or beginning of XXXX. ive sent previous negotiable instruments in the past as well, all of which were redeemed by company but with no assistance from company i was not able to verify the discharge of debt. following these events, my property was repossessed by said company without communication.
Product: Credit reporting or other personal consumer reports

Unfortunately, when looking at my credit report, I received an initial charge off from XXXX, since then I have gotten a charge off sent to experian/credit bureaus every month since the initial charge off. I have a total of 44 charge offs from XXXX and even though I paid, I have another charge off linked to my account for This month. One is bad but 44 charge offs on my report is ruining my credit.