23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Billing dispute began in XX/XX/year> since my bill for the same service continued to increase. When I reduced service, it still increased and upon complaint if finally cancelled my cable which they refused to do they say I had not paid the bill. I paid my bill and changed service to streaming, but the cost were still extreme. I continued to experience interruption in service even because of billing disputes because it seemed each month the billing changed, but the service remained the same. When I tried to cancel, they refused indicating I owed an amount I disputed and so frustrated because it was past the end of the billing. Finally, I subscribed to a different provide but continued to try to negotiate or resolve the amount disputed. Upon receipt of the debt collection letter from Sunrise, I sent thema check for {$150.00} ( final payment ) plus 69 pages of correspondence between myself and XXXX. After 30 days past and no response, Sunrise says package not received. USPS did an investigation and provided the exact date and time my package, along with other mail, was picked up. After numerpus conversations, my last withMr. XXXX, it appears they have not searched for the package and my check remains uncashed. I have not received and correspondence or callback from Sunrise..
Product: Debt collection

On XX/XX/2021, I received a collection notice from FBCS , Inc, stating that I have an outstanding balance of {$380.00}. I called FBCS , Inc immediately to resolve the issue as I satisfactorily settled this account a couple of years ago. I explained to the representative the account 's status, and she suggested that I provide proof of the paid account from XXXX XXXX. 

I contacted XXXX XXXX and was emailed a paid-in-full receipt for the disputed account. I subsequently forwarded the same receipt to FBCS , Inc at their email address : XXXX. The FBCS , Inc representative, acknowledged receiving the paid in the full receipt as proof. 
Today, XX/XX/XXXX, I received another collection notice from FBCS , Inc, similar to the first notice. Additionally, this notice required one of three stated methods to verify that I satisfactorily settled the account. Please note, the email I forwarded to the collection agency contained all three required methods of proof. 
. 
The representative I spoke with today insisted that I still owe the collection agency {$380.00}. I forwarded to his agency the fully paid receipt from XXXX XXXX. I asked him to verify that he received my email. He responded that he couldn't open the email. He said that my dispute would take about ninety days to resolve, but I can settle the account today for the balance of {$380.00}. I suggested that his agency contact XXXX XXXX to confirm that they received full payment from me. He did not balk at that but tried sutle and gentle pressure to get me to pay {$380.00} today. 
From my knowledge as a XXXX ( XXXX XXXX XXXX ), I knew what he is practicing was unfair. 
I then demanded that he give me his name and employee number. He suddenly went into an incoherent disclaimer for minutes at a time. At the end of his disclaimer, I insisted that he give me his name and employee number. He finally gave in to my insistence and gave his name as XXXX XXXX with an employee number as XXXX.
Product: Credit reporting or other personal consumer reports

There has been a violation of these reasonable procedures because as I showed within my attachments there has been inaccurate and unverifiable information removed from another consumer reporting agency and has not been removed from your system. You should be aware your failure to maintain your reasonable procedures for maximum possible accuracy has resulted in a conspiracy which deprived me of my right pursuant to Truth in Lending Act subsection 1602 ( f ) to extend new credit for myself. This deprivation of my rights is a federal criminal violation under 18 U.S.Code 241.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Identity theft. Per Fair Credit Reporting Act Section 605B ( a ) ( 2 ) you are required to remove any account which was opened without my knowledge, consent or authority. The following items need to be removed as they are fraudulent. 


XXXX XXXX : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance {$740.00} XXXX ( Original Creditor : XXXX XXXX XXXX  ) Balance {$640.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX ) Balance {$730.00} XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX  ) Balance {$1000.00} INQUIRIES : XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) Balance {$730.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) Balance {$1000.00} INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX EQUIFAX COLLECTION : XXXX Balance {$1000.00} XXXX Balance {$730.00}
Product: Money transfer, virtual currency, or money service

Dear Officer, My discover cashback debit account ( 8359 ) has been posted with a check withdraw with the amount {$4800.00}. However, it turned out the check is not wrote from my account, and the people who wrote the check is not related to me at all. It was Discovers '  system error that mistakenly link my account to somebody else 's check.However, if I did not notice this transaction, my money will be transferred out of my account. 

It was the 2nd time that I found out Discover bank posted a completely unrelated check to my account. I can not rule out if there are other wrong transactions that I am not even aware of. I have to fill an official complaints to protect my rights because this type issues happen over and over again. 

Due the lack of safety and accuracy by the Discover system, it costs me financial loss as well as tons of my time to communicate again and again with their customer services. Therefore, I urge the bank to give me an official solution to prevent from these issues and pay me compensation for all my loss in money and time because of their wrong-doings.
Product: Mortgage

I was in a manufactured home when it was purchased by new clients. Vanderbilt mortgage worked their loan out with them and approved them so they moved in ( from another state ). They subsequently denied their loan and could n't get the people to move out without legal action. Some reason the foreclosure of XXXX is showing on my credit report when it did not have anything to do with me as I was only the previous owner. They have refused to remove the item from XXXX and XXXX in a timely manner.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, I have been a victim of Identity Theft and have suffered tremendous lost because of it. I submitted all of the proper documentation to all XXXX bureaus on XXXX XXXX XXXX XXXX and have yet to get any response. I have suffered financially, fraudulent accounts have been opened in my name and I am just asking the bureaus to do the right thing here and by law per section 605B of the FCRA, these accounts should have been blocked within 4 days and an investigation launched on my behalf.
Product: Credit reporting or other personal consumer reports

In accordance with the fair Credit reporting act ( XXXX XXXX XXXX  Account # XXXX ) ( XXXX  Account # XXXX ) ( XXXX  Account # XXXX ) has violated my rights! Also i was never late on any of these accounts ( XXXX XXXX XXXX  Account # XXXX ) ( XXXX/XXXX  Account # XXXX ) and feel my rights are being taken advantage of 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! 



In addition the law states : 15 U.S. Code 1681i ( A ) - Procedure in case of disputed accuracy ( A ) -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 ;
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent my letter off. I told the credit bureaus to " investigate every piece of information '' on the accounts I have listed below. Also I have attached the letter I sent out. 

According to the FCRA The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information.

They stated my account was verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are STILL NOT reporting 100 % accurate. According to the FCRA 15 U.S.C 1681 everything has to be 100 % ACCURATE. I have the credit report showing the inaccuracies. 

Accounts : XXXX # XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, personal loan, or advance loan

I have a settlement with the loan company since last year, they still have not updated the amount on the credit report. I thought I had reached the amount to be paid, based on the statement, which I guess was a misunderstanding from my side. 

They placed a late payment on the credit report, but I thought I had already reached the amount to be paid. They are very messy and not organized nor I can get someone to help or assist.
Product: Credit reporting or other personal consumer reports

Debt assignment details if the debt was sold to a collection agency.

Verification of how this account was validated, including the name of the entity that provided confirmation.

A copy of the original signed contract or agreement proving I authorized this debt.
Product: Vehicle loan or lease

Hello, I am aware I have a Daily Simple Interest Loan & I understand how that works/means ... for my XXXX XXXX XXXX XXXX. I have paid my monthly payments early since day 1to minimize the total amount of interest I pay for the life of the loan. I paid my XX/XX/XXXX payment in XX/XX/XXXXXXXX  which means I am paid ahead my next payment was not due again until XXXX which I paid on XX/XX/XXXXXXXX  this payment in the amount of {$770.00} was paid online and scheduled as the XXXX Payment. Capital One applied it as an interest only payment and will not reverse it and apply it correctly as intended as the XX/XX/XXXXXXXX  payment. I am being told the interest had to be bought current. However, what I don't understand is why am I being penalized and being charged compounded interest by paying early I have requested these monies be reversed and reapplied correctly as a regular monthly car payment as intended and they have refused to apply them correctly I have paid this loan early and never been late or missed a payment I only want what is fair how can they take my XXXX payment and apply it to interest when I was paid 2 months ahead in my payment obligation. Please help I do not have XXXX to just give away to Capital one and receive no benefit of my hard earned $ when I am paid ahead... Any assistance you can provide is greatly appreciated... Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

Was advised today that my application is fraud. I need that removed off whatever records its on.
Product: Credit reporting, credit repair services, or other personal consumer reports

BANKRUPTCY REPORTING DISPUTE I would like to bring to your attention an erroneous bankruptcy reporting on my consumer report. On XX/XX/2023 I requested Experian to conduct an investigation on a bankruptcy reporting on my consumer report. I asked Experian if they found inaccurate information to remove the information reporting. Upon further investigation on my behalf I have found the adverse information of a bankruptcy can not be validated by XXXX XXXX. The document presented in this complaint shows XXXX using this information of a bankruptcy that can not be validated by XXXX XXXX dated XX/XX/2023 On XX/XX/2023 XXXX advised Experian that the bankruptcy reporting could not be validated upon the final investigation. I was under the impression that this error would be corrected promptly. 

However, it has come to my attention that an appropriate investigation has not been conducted on the behalf of Experian and the bankruptcy reporting still remains on my credit report. This is a violation of my Fair Credit Reporting Act ( FCRA ) rights under code U.S.C. {$15.00} 1681.

I kindly request that Experian immediately remove the bankruptcy reporting from my credit report immediately. Failure to do so will continue to harm my credit standing and may result in further legal action on my part to rectify this issue. 

Thank you for your prompt attention to these matters. I look forward to your immediate action to rectify the situation. 


1. Copy of Driver 's License 2. Experian credit report showing the validity from XXXX XXXX. 
3. Copy of Social Security Card 4. Recent XXXX  Utility Bill 5. Letter from bankruptcy court 6. Letter from XXXX XXXX of bankruptcy not validated
Product: Debt collection

XX/XX/XXXX received dunning letter from Midland Attorney, XXXX, XXXX XXXX XXXX. Sent Debt Validation Letter - no reposnse. Not two weeks later I receive another dunning letter from Midland Credit Management ( MCM ) on the same alleged .debt ; Again I sent a Debt Validation Letter - no reponse. 2.5 years pass and I receive yet another dunning letter MCM. Again I send another Debt Validation letter ; this time MCM responds with less than validation. PLEASE NOTE THAT THIS DEBT IS NON COLLECTIBLE per order of the Consent Decree Between XXXX and the Consumer Financial Protection Bureau from XX/XX/XXXX. Also MCM violated the FDCPA and Massachusetts CMR 940 7.08 by contacting me XX/XX/XXXX without first Nvalidating the the alleged debt first from XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute certain hard inquiries and accounts that appear on my credit report. I believe these inquiries and accounts were either unauthorized or inaccurately reported, and I request that they be removed immediately. 

Hard Inquiries to be Disputed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 I did not authorize this inquiry and this inquiry should not be on my report. 

I am writing to dispute the following collection account that appears on my credit report. This account is inaccurately reported, and I am requesting its removal under the Fair Credit Reporting Act ( FCRA ). 

Account to be Disputed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts above does not belong to me and needs to be removed immediately. 

Under the Fair Credit Reporting Act ( FCRA ), only inquiries authorized by me should appear on my credit report. Since I did not authorize these inquiries or accounts, they must be removed immediately. 

Please find enclosed a copy of my credit report with the disputed inquiries highlighted. I request that you investigate and remove these unauthorized or inaccurate inquiries from my credit report as soon as possible. 

I expect to receive confirmation that these inquiries and accounts have been removed, as well as an updated copy of my credit report, within 30 days as required by the FCRA. 

Thank you for your prompt attention to this matter.
Product: Checking or savings account

I was robbed XX/XX/year>. XXXX people took my phone and wallet including my Chase debit card. I filed a police report. The XXXX  station on XXXX XXXX XXXX XXXX XXXX mo said camera footage should be available. About XXXX that night. I had Chase bank file a claim. They gave me provisional credit for a little over {$3000.00} and then took it back a few days later. Reason was the pin # was used but I never gave anyone the pin #. The hackers must have discovered the pin. I was robbed and did not authorize any of these transactions highlighted. Two or three ATM Withdrawels over {$500.00} that I did not do. The Chase bank is Insured for its customers 100 % for this type of loss and Chase even states zero liability for its customers that robbed/stolen cards identity theft etc. I want my {$3000.00} back. 

Thank you, XXXX XXXX
Product: Consumer Loan

I obtained a Loan from Santander Consumer 4yrs ago for a car. Now they are telling me that I still owe {$17000.00} for this vechicle and the car is only worth {$2400.00}. I can not afford to continue to pay on a car that is 3 times it 's worth. They are a BIG rip-off. They prey on people who ca n't get a traditional loan and have HIGH Interest rates that will make a person have to pay for a car for the rest of their life. This is not right and they should be investigated for this. I am a retired person who live on a strict income and I can not afford to continue to pay {$550.00} for a XXXX old car.
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. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or a list of inquiries : 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: Debt collection

I wish to file a complaint against XXXX XXXX XXXX XXXX XXXX. 
They have a Paid collection account of {$150.00} on my XXXX credit report. Shows it was paid XX/XX/2018. I have never paid XXXX XXXX XXXX XXXX XXXX any money. So this account is erroneous and inaccurate and needs to be removed from my credit report immediately. Fair Credit Reporting Act says that a credit file must be : 100 % accurate, verifiable and timely. This account meets non of those. Furthermore, the client or original creditor listed. I have a {$0.00} balance with them. So if I have a {$0.00} balance with the client or original creditor, there is no way I can have a collection account with XXXX XXXX XXXX XXXX XXXX. I am very upset and frustrated as, I want this erroneous, unverified, fraudulent account removed from my XXXX credit report immediately. I would also like you to fine XXXX XXXX XXXX XXXX XXXX for violating the Fair Credit Reporting Act and violating my consumer rights
Product: Credit card

Review credit reports and found a discrepancy of a credit card never applied for never used by me identity theft. Previously file identity theft reports as well as supporting documents from local agencies. This XXXX XXXX credit card was never used or ever been applied for by the complaintant. This XXXX XXXX credit card is demanded to remove
Product: Debt collection

XXXX am contacting you because i have found some information that is inaccurate on my credit report. 
I dont believe these accounts were paid late as it is reported. I request that you verify the information and remove any inaccurate information from my credit report as quas possible. The item in question are : Best Buy/ CBNA After doing so please provide me with with an updated credit report reflecting the charges. Thank you for your time
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act ( FCRA ) ; 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.

The complaint alleges the violations of the Consumer Financial Protection Act of 2010 ( CFPA ) ; 12 U.S.C. 5531, 5536 ( a ), 5564, 5565 ; and the Fair Debt Collection Practices Act ( FDCPA ) ; 15 U.S.C. 1692-1692p ; in connection with debt collection act and practices.

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. 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt I demand it be deleted and to not be put back on in the future.
Product: Mortgage

I have a FHA loan and loan depot.com llc is the original lender. I failed behind on my mortgage payment due to divorce and hardship. Loan depot did not offer me a loan modification or any help to prevent foreclosure. I received a letter from loan depot.com LLC stating that XXXX XXXX XXXX is my investor and whom the debt is owed to! XXXX XXXX XXXX is known for securitization on mortgage back securities XXXX which loan depot has sold my mortgage security on a secondary market and is no longer able to in force foreclosure on my property! Loan depot.com llc have violated many of the CFPB and Tila rules and regulations. 

1. CFPB violations, transfers between affiliates Loan depot informed me that they have sold my loan to a new Servicer and that new Servicer was also loan depot.com llc 2. Tila violation, requesting and making money transactions for down payments on a consumer transactions 3. Using robo signature and unlawful Notary, outdated information, XXXX is no longer a Sub Servicer for loan depot.com llc all this is on a Assignment of Mortgage 4. Not offering loan modifications or loss mitigation to prevent foreclosure
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute with this company and they have yet to remove a medical bill from my credit report.This collection is in direct violation of my privacy rights protected under the federal HIPAA law. HIPAA does not regulate credit reporting of medical bills. I demand this be removed at once.