23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I am disputing a {$640.00} debt placed into collections by XXXX. This debt is invalid for the following reasons : XXXX. My XXXX service was canceled on XX/XX/XXXX. 
XXXX. XXXX confirmed cancellation of all remaining services on XX/XX/XXXX via email. 
XXXX. Despite this, XXXX continued to charge my bank account through autopay for several months after cancellation. After resolving the issue directly with XXXX , they apologized, confirmed the account had been cancelled and reimbursed us for their error, but have now wrongfully sent this account to collections ( Radius Global Solutions ). 

Details of Dispute : Both phone lines on my account were deactivated on XX/XX/XXXX, yet XXXX continued to deduct monthly payments until XX/XX/XXXX. Upon noticing this, I contacted XXXX to dispute the charges. 
XXXX admitted to their error of payment withdrawals and reimbursed us for XXXX  months on XX/XX/XXXX. They ensured that we owed them nothing more. Despite these assurances, I have now received a collections notice, claiming I defaulted on the account. 
These events indicate either fraudulent or grossly negligent billing practices by XXXX, which have caused undue financial stress and potential harm to my credit standing. 
I have also submitted a dispute directly with Radius Global Solutions on XX/XX/XXXX, but they have neglected to respond or confirm suspension of the collection. 

I have supporting documentation, including : Email proof of plan cancellation from XXXX on XX/XX/XXXX. 
Bank transaction history showing unauthorized charges after cancellation. 
Bank transaction history showing reimbursement of unauthorized charges on XX/XX/XXXX. 
Debt collections notice received. 

I sincerely thank you for your time and attention.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that these items were erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

On XX/XX/XXXX i received a letter from Mr. Cooper Mortgage Company. I believe they changed their brand name, the company is known as Nationstar Mortgage LLC. The letter was to inform me that our mortgage was going to increase monthly by the amount of close to 3,000 dollars. The reason was because of an errant escrow payment they made of over {$27000.00} dollars to my local tax collector. I called to let them know of the obvious mistake and there was no one available to speak with. I mean literally someone on the phone told me there is no one to talk to about where these monies where spent and how a mistake could be made. I was told they'd look into and that was it. I'm still on the hook for a mortgage almost 3,000 dollars more than I usually pay every month. In 7-10 business days i would get a call back. But that's all they can do. They can provide no information on how the mistake was made and once the decision is made in 7-10 days they didn't have an answer to the next step if they don't make a change to the wildly incorrect amount or when the money would be returned. 

Further. When we purchased our home we put down less than 20 % so were required to pay PMI amount until 5 years had passed or we achieved a balance owed of less than 80 % borrowed. We achieved that. When called to have the PMI removed it was told to me that i had to pay to have our house appraised in the amount of 400 to 700 dollars ( then couldn't tell me how much ) to assure the house has maintained value.  That wasn't what we signed i kept the closing documents. She then told me on the phone that she was just going by a computer program not what our actual documents said. How does that even make sense? 

This isn't the only time we have had serious issues with this company but definitely the most recent. I would strongly encourage anyone to steer clear of this company.
Product: Debt collection

While living with my mother in she opened an account on XX/XX/XXXX for services from XXXX for the apartment, I did not know at the time but she used my name for the account. The last payment was made in XX/XX/XXXX by her. According to the credit agency the last bill was sent on XX/XX/XXXX. 
The total amount for the bill is {$1100.00}. 

In XX/XX/XXXX we both moved out to separate locations. I do not know if she cancelled the service or not as I was not aware that it was in my name.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed an error on my credit reports called   XXXX   XXXX  . The debt is not mine. All   XXXX   credit bureau came back stating they verified the debt was mine and it was accurate. There is no way that the credit bureaus could have verified this debt with these documents they sent me.   XXXX   XXXX   sent me something in the mail stating they verified its mine. It is not a validated debt so I have no clue while the credit bureaus would said they verified it. It states an address i never lived at before and just something that says how much i owe. The address also does n't exist. This is a volitation of the Fair Credit Reporting Act. ( FCRA ) Can you remove this from all  XXXX  of my credit reports? I have attached a copy of the letter that was sent to me. You will see it is clearly not a validated debt. It 's not even my debt.
Product: Credit reporting or other personal consumer reports

Per dispute results report # XXXX for XXXX XXXX- The following accounts, XXXX CARD : XXXX, XXXX XXXX  : XXXX and XXXX XXXX XXXX XXXX : XXXX, were updated but not removed from my consumer credit report per my request. I have requested multiple times, since XX/XX/year>, for specific documentation, such as the original application and contract agreement with my wet signature showing that I physically signed and authorized these accounts, as well as other necessary certified forms of documentation to validate the debt, and they failed to provide the requested information concerning this debt as certified proof to validate the " verified as accurate updated status '' of these disputed accounts. As a consumer, it is my right by law to request and be provided with, in a specific window of time, specific documents to ensure that all reporting is indeed 100 % accurate. If all requested documents can not be provided by the reporting agency/creditor for the accuracy of the accounts to be proved, then by law it must be removed. As the affected consumer, I am distressed that you failed to maintain reasonable procedures to assure 100 % validity completeness, accuracy and correctness in the credit reports that you provide to creditors. As the affected consumer, I am distressed that you failed to provide me with the specific documentation I've requested in the time frame allowed by the consumer laws. As the affected consumer, I have suffered damages in the form of invasion of privacy, reputational damage, emotional and physical damage and economic harm. This unverified information is damaging me since it is affecting the interest rates that I am able to get and limits my credit capacity and overall quality of life. These unverified accounts have already been removed and deleted from my XXXX consumer credit report but are still being reported on my Transunion consumer credit report.
Product: Credit reporting or other personal consumer reports

I have recently received late payment credit alerts on my consumer report : XXXX XXXX XXXX XXXX XXXX # XXXX These companies are clearly in violation of the law. Under 15 USC 1681b- permissible purpose of consumer reports, The Law Clearly States : ( a ) In General Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instruction of the consumer to whom it relates. 
I did not give you written instructions to furnish this in my credit report. Show proof that I gave you written instructions to furnish this on my credit report or remove. 
Furthermore, the Fair Credit reporting Act 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a credit report clearly states : ( 2 ) Exclusions- except as provided in paragraph ( 3 ) the term consumer report does not include ( A ) Subject to section 1681s-3 0f this title, any- ( i ) report containing information solely as a transaction or experience between the consumer and the person making the report. 

This means late payments should not be included in my credit report, because they are transactions. 

The late payments are also inaccurate. I was told by XXXX that I was in good standing. I made a large payment of over {$26000.00} to XXXXXXXX XXXX XXXXXXXX said I did not have to make a payment for a very long time, but I was flagged for multiple late payments by XXXX  account handler XXXX XXXXXXXX XXXX XXXX. XXXX XXXX XXXX XXXX claims not to be a collections agency and claims to handle open accounts for XXXX. If this is correct, then there seems to have been a lapse in communication causing multiple inaccurate late reporting on my consumer report. Delete the above late payments from my consumer report. 

These companies are in violation of 15 USC 1681 As I have mentioned before, I have already disputed this matter, and you did not comply. I see that as willful noncompliance. This will be my final attempt. Failure to respond satisfactorily with deletion of the above account will result in legal action being taken against your company, for which I will be seeking compensation for damages per violation for : 1. Fair Credit Reporting Act 15 USC 1681 violation of willful noncompliance- 616. Civil Liability 2. Defamation of Character 3. Negligent Enablement of Identity Fraud 4. Fair debt collection Practices Act 15 USC1692g violations
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I contacted TransUnion about the following negative accounts XXXX XXXX XXXX ( Opened XXXX XXXX XXXX Highest Balance {$19000.00} ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Its been over 45 days and TransUnion havent respond to my request as they are required to by the XXXX XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I am submitting to follow up on my previous complaint about fraudulent activity on my credit report. After filing an identity theft report with the Federal Trade Commission ( XXXX XXXX XXXXXXXX ), I am requesting the removal of unauthorized inquiries listed below, per Section 605B of the Fair Credit Reporting Act ( FCRA ), reference number XXXX. Attached are the necessary documents to support this request. Please find the unauthorized inquiries as reported by each credit bureau : : XXXX : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX -- -- -- -EQUIFAX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX. According to FCRA Section 605B ( a ), credit reporting agencies must remove any fraudulent entries from a consumer 's file within XXXX business days of receiving a notification.
Product: Credit reporting or other personal consumer reports

I have repeatedly requested the XXXX XXXX XXXX XXXXXXXX ) be removed by Equifax many, many times. This has been going on over and over again for about 10 years, where my biological father ( whom I have no contact with ), XXXX XXXX XXXX, of XXXXXXXX XXXX impersonates me and keeps adding a XXXX  at the end with Equifax and the other credit reporting bureaus. Fortunately, XXXXand XXXX have been cooperative and those accounts are frozen per my request. However, Equifax has changed my name back to XXXX XXXX XXXX XXXX per Equifax confirmation received and attached on XXXX. Equifax has been told about this for many years and assures me when I call it will not happen again, but it does. I am not a XXXX per a myriad ofdocumentation submitted to Equifax, CPFB, and OEIG. Equifax 's recent mailed confirmation indicates that the freeze has been lifted when I explicitly requested it to be frozen and remain frozen, and has a XXXX at the end again, when I sent my DL, SS Card, Birth Certificates from the county and hospital. I am XXXX XXXX XXXX with NO XXXX CPFB has been of no help as the XXXX. It keeps being re-added right after they claim to have fixed it. I don't know what's happening here, but this is unprecedented negligence. No one else should have the ability to keep fraudulently reverting a name change that isn't my name on any credit file, nor should any freeze lifted until I request it. Someone needs to find out what is happening here, whom is responsible, and to be held accountable. I need this corrected and to have my account with them frozen per my multiple requests to Equifax. The abuse has to stop. I've attached as much documentation I possess, as prior to this, I had another old computer that crashed with all my previous files that include call dates and times I've historically made over the past 10 years. This is insanity. Enough is enough. No other agency seems to want to investigate, solve the problem, or hold responsible parties accountable.
Product: Checking or savings account

This is not the first time I have made a complaint about this revolving issue with Key Bank, yet the issue never seemed to be resolved. I continue to get charged overdraft charges when Ive never opted into overdraft protection because I know how banks use these predatory practices to make money off of their customers. I was charged such fees in the past even on everyday atm fees, but have found the email from my account opening that proves I never opted into these services. Also, Key Bank announced that they were ending overdraft fees on their checking accounts, so it still baffles me as to how they are still charging these fees. I was charged an overdraft fee, as well as a RECURRING over service charge on an account where I opted out out of overdraft protection.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the fair credit reporting act XXXX 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 a account without my written instructions.
Product: Credit card or prepaid card

Two unauthorized charges for {$100.00} and {$99.00} at a XXXX gas station in California were made to my Discover card on XX/XX/2022. I have disputed these charges multiple times and Discover alleges that they are valid. I live in Florida and was in-state at the time and could not have made these charges, but they refuse to remove them from my account permanently.
Product: Credit reporting

I am not aware of this debt, I currently have XXXX, but its a prepaid phone. I have no knowledge when this account was opened. XXXX debt collectors tried to collect on this debt, then closed the account. I want proof or documentation with my signature that I opened an account with this company.
Product: Credit reporting or other personal consumer reports

Transunion block the account so l couldn't be able to give accurate information Always have to wait 30 days which it does sho late on the account and then my credit scores decrease. And when l requested credit it shows late payments which not true
Product: Credit reporting or other personal consumer reports

I am not recognizing many inquiries in my credits record. I am not authorized make this inquires. 
I need remove these please XXXXXXXX XXXX XXXXXXXX
Product: Debt collection

I contacted the credit bureau requesting verification of debt. They only responded verified with no other verification that the debt is factual. I then reached out to the collections agency asking for verification of debt. No one responded to me from the collection agency.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submit letter ask about the problems on my credit report and have received a response
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XX/XX/2024 Subject : Demand for Immediate Deletion of Collections from Credit Report Pursuant to FCRA and Consumer Law To Whom It May Concern, I am writing to demand the immediate deletion of any collections entries from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ), specifically consumer law 15 U.S.C. section 602 ( a ) and 15 U.S.C. 1681 section 604 ( a ) section 2. Upon reviewing my credit report, I have identified collections entries that are inaccurately reported and must be removed promptly to avoid legal repercussions. 

I demand the following collections entries to be deleted : MIDLAND CREDIT MANAGEMENT, {$14000.00} XXXX XXXX XXXX, {$1500.00} XXXX XXXX XXXXXXXX XXXX {$940.00} XXXX XXXX XXXX XXXX, {$1000.00} I assert that these collections entries are inaccurate and violate my rights under the FCRA and relevant consumer protection laws for the following reasons : 1. Violation of FCRA and Consumer Law : The FCRA and consumer protection laws explicitly prohibit the reporting of inaccurate or incomplete information by consumer reporting agencies. The inclusion of these inaccurate collections entries on my credit report constitutes a violation of these laws. 

2. Immediate Deletion Requirement : Pursuant to FCRA and relevant consumer protection statutes, I demand the immediate deletion of these inaccurate collections entries from my credit report unless the creditors wish to face penalties of up to {$1000.00} for each violation. Failure to comply with this demand will result in legal action to enforce my rights under the law.

3. Preparedness for Litigation : I am fully prepared to pursue litigation against the creditors and any consumer reporting agencies that continue to report these inaccurate collections entries on my credit report. I have documented evidence to support my claim and will not hesitate to take legal action to rectify this matter.

I demand that you take immediate action to delete the inaccurate collections entries from my credit report and provide me with written confirmation of their removal within [ specify a reasonable timeframe, e.g., 10 business days days of receipt of this letter. 

Thank you for your prompt attention to this matter. Should you require any further information or documentation, please do not hesitate to contact me at the address or phone number provided above. 

Sincerely, XXXX XXXX
Product: Checking or savings account

I reached out on XX/XX/XXXX regarding some transactions that werent mine and my account is fully verified as my employer direct deposits to this account. I received my Deposit on XX/XX/XXXX and Robinhood closed my account and I have no access to pay! I have kids and bills and Im fine with them closing the account because they dont want to pay for the items I disputed but I was told Id only get my money back from my employer if eligible and that it would be 15 days! I can log in my money is there I just want to transfer it and be done. I will seek legal action if not!
Product: Debt collection

In XXXX XXXX, I visited XXXX and they explained a treatment plan. After they got the pre-approval from my issuer, I was to pay {$50.00} co-pay for three visit which I paid. On or about six months after my last treatment, I received a call from XXXX requested an {$800.00} payment for services rendered. I sent a letter of dispute but they never responded until XX/XX/XXXX. At that time, I received a letter from CBA demanding {$800.00}. I immediately sent another letter of dispute and they sent me a ledger but no proof of my ownership was ever sent. Today I found out CBA has sent a collection file to the credit bureaus. I am filing this complaint for that reason. I do not owe XXXX any additional money.
Product: Mortgage

On or about XX/XX/XXXX, I signed a modification packet with Freedom Mortgage who services my loan. I made my first payment on XXXX XX/XX/XXXX and attempted to make the 2nd trial modification payment in XX/XX/XXXX but instead was told my modification paperwork WAS NOT in the system and i would have to wait to make the XX/XX/XXXX payment. I called in XXXX on 4 separate occasions and finally was informed the modification paperwork WAS NOT returned by the notary and Freedom Mortgage would have to underwrite my loan again for the modification. I, called every week since XXXX XX/XX/XXXX and I have been told it would take 10 days, 30 days, the file is still in underwriting, a host of excuses and as of this day XX/XX/XXXX, I have not received another modification, I've received calls in regards to payment, but no resolution as to what I was promised. ( A NEW SET OF MODIFICATION DOCUMENTS ).
Product: Credit reporting, credit repair services, or other personal consumer reports

After submitting bad review over the customer service I received there was an open line of credit added to my account and then one of the employees attacked me under my review online .
Product: Credit card

I hope all is well. XXXX writing to file a complaint on the minimum amount due of {$480.00} on my Macys XXXX, my bill has never been this high and I know the reason is because the agent gave me the wrong information in XX/XX/year> regarding my payment/billing and told me my payment was not going to retry so I made another payment and the original payment did retry and I dispute with my bank for me to get my second payment back because XXXX only required to make XXXX minimum payment a month. Now that this happened my bill has been extremely higher than normal. I know for a fact if the agent never gave me the wrong information my bill would not be this high. Your computer system is thinking XXXX missing a payment when I got my second payment back and it has offset my account. Please fix and adjust my account. My bill should not be {$480.00} this needs to be corrected or XXXX taken further action. I need to know the correct minimum amount I need to pay out of the {$480.00} to keep my account current? Who can look at my account and honestly fix it and understand what happened when your agent gave me the wrong information? Once your computer is adjusted and fixes my account my minimum payment will definitely go down because my account was completely fine until I received wrong information from your agent. Thank you for your time. Have a wonderful day!!
Product: Credit card or prepaid card

I have applied for this XXXX card not once but 4x in the last 6 months. Everytime I get the same error message saying they are unable to very my identity which doesnt make any sense. They even linked and verified my identity thru XXXX and I even received a confirmation that my bank account has been verified also Creditkarma guaranteed if not approved I would get {$50.00} back which is a lie now theyre saying they cant issue me any money for my denied application
Product: Credit reporting or other personal consumer reports

There are unauthorized and unrecognized inquiries on my account which is preventing me from using my credit as I am building it