23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/2022, I purchased a XXXX  XXXX XXXX lawn mower, along with a XXXX protection plan from XXXX XXXX Improvement store in XXXX XXXX NC. The total cost, ( including tax ), came to {$2600.00}. I made a {$400.00} down payment, and the balance, ( as I found out later ), was financed through Synchrony Bank. After careful consideration, I returned the lawn mower to XXXX on XX/XX/2022, and my {$400.00} deposit was returned to me in cash. Since the protection plan was included in the total bill, I had no reason to think that the protection plan was not cancelled as well. 

In XXXX of XXXX  I began receiving invoices for the protection plan. I have been trying since then to have the protection plan cancelled and the balance on my account returned to XXXX. I was advised that the protection plan was cancelled XXXX. 

I did not owe XXXX anything prior to the purchase of the lawn mower, and I have been getting nothing but a run-around, monthly invoices increasing the amount due, and threatening statements regarding the damage to my credit profile.
Product: Credit card

I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of XXXX 2016 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Product: Credit reporting or other personal consumer reports

XXXX was notified that an account in my name was opened as a result of identity theft. Even with the notice, they refused to remove the error. XXXX was provided with multiple police reports and XXXX report showing their account was a result of identity theft. XXXX, despite clear and adequate documentation, has refused to remove the error. I have placed multiple calls and enaged in multiple conversations with XXXX escalation department to resolve the matter. The only option I was given by XXXX, was to settle the dept even though it wasnt mine. The account was accumulating lates and damaging my credit and with no other options I agreed to settle the damagign account to my credit. I was told that the account would immediatly be removed from my credit by the next month if I agreed to this fraud settlement. Well even after settling this fraud charge to stop the bleeding on my credit, XXXX still did not remove the error and it has continued on my credit for several months due to XXXX 's lies and clear negligence! 

Experian credit reporting was also involved in this deception. Experian with legal obligations to protect the consumer did nothing to protect me as a consumer. I contacted Experian on multiple occasions regarding XXXX identity theft scandal and Experian did nothing to resolve the matter even after following the outlines of their policy. I was told to send a police report or FTC report of Identity theft and this would be used to block the fraudulant charges. Experian recieved the police report/FTC report and did nothing to remove the fraudulant account. Till today, Experian has continued to break the law and remain complicit in the Identity theft fraud they continue to report illegal with XXXX. They also continue to report another identity theft account from XXXX XXXX despite recieving clear documentation of fraud. 

XXXX XXXX has been directly notified of a seperate identity theft purchase by a likely family member and they have continued to report the inaccurate information along with Experian. Despite both organizations recieving legal notification from the federal trade commision that they are reporting incorrectly due to Identity theft. Both companies continue to break the law and the XXXX XXXX XXXX by actively being complicit in illegaly reporting a known error.
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ; XXXXXXXX XXXX XXXXXXXX Balance : {$6000.00} ; XXXX XXXXXXXX Balance : {$460.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance XXXX {$2100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$5000.00} ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The personal information on my credit report is fraudulent.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX ( XXXX XXXX XXXX  ) REFERENCE NUMBER XXXX is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file does not belong to me. This account was fraudulently opened through this company in XX/XX/2019 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
Product: Credit card or prepaid card

In 2017 i reported some transactions on my account as a fraud because weren't made by me. After a longtime in communication with the bank, they send me a letter saying the balance were resolved in my favor, which I wasn't supposed to pay or be responsible because they said a credit was applied on the account for the balance. But for some reason the collection department still keep making daily calls, and sending invoice letters requesting the payment. In a call they say one department is independent of the other and the i need to settle the balance, which like i said, i have a letter from them saying it was resolved on my favor after they made the investigation.
Product: Credit reporting or other personal consumer reports

Date opened XX/XX/XXXX XXXXXXXX XXXX  I contacted them about this reporting in XXXX XXXX XXXX XXXX XXXX  this matter is still unsolved. Attached is the letter sent
Product: Mortgage

My second mortgage hadaballoon payment due in XX/XX/XXXX witth Mr. Cooper i have triedd repeatedly to tal to mr , Cooper since XXXX also XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX to get modification without success.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Inaccurate Information on Credit Report and violation to the Fair credit reporting act. 
Complaint Summary : I am submitting this complaint against TransUnion Credit Bureau regarding the inaccurate information reported on my credit report, which violates the Fair Credit Reporting Act ( FCRA ). 
On XX/XX/year>, I discovered discrepancies in the following account ( s ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Under Section 611 of the FCRA, I have the right to dispute inaccuracies and request prompt investigation. I formally requested a reinvestigation of the account information and cited relevant sections of the FCRA, including : 1. Section 609 ( a ) ( 1 ) ( A ) : Requirement for verification of accounts through original documentation.

2. Section 611 : Right to dispute inaccuracies and request investigation.

3. Section 623 ( a ) ( 5 ) : Removal of unverifiable information dont validate for creditor Original.

4. 15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy Despite my request, TransUnion Credit Bureau has failed to conduct a thorough investigation or resolve these discrepancies within the required timeframe of 30 days. This negligence has led to the continued reporting of false information, which has negatively impacted my creditworthiness.

In my request, I emphasized that any unverifiable information should be removed from my credit report INMEDEDIATLY within the mandated 30-day period, as established in 15 U.S. Code 1681i. Additionally, I referenced 15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy. Furthermore, under 15 U.S. Code 1681s-2, furnishers of information are required to investigate and correct inaccurate information upon notice of a dispute.
Product: Mortgage

My loan company is Mr. Cooper. 

Since last XXXX ( XX/XX/22 ), I've had nonstop mortgage payment reversals despite having a properly connected bank account with more than enough funds to cover my monthly mortgage. My monthly payment is {$2600.00}, plus {$500.00} applied towards my principle. 

Oftentimes, I'm not notified about these reversals until past my mortgage payment deadline. This has resulted in late fees ( {$93.00} ), as well as a lowered credit score. My credit score was close to 800, now it's at XXXX. With no solution on the horizon, I fear that my credit score will continue to drop and begin affecting my financial future. 

I've called a Mr. Cooper representative every single time a reversal has happened ( sometimes multiple times in a single month ), and they've all assured me that it's simply an internal, company-wide error that would be sorted out as soon as possible. I've also been assured that Mr. Cooper would open a case with all the major credit bureaus to erase the credit penalties I've incurred because of this issue. I've received no followup about this. 

As a result, my credit score has dropped dozens of points since XXXX and the only loan I have is with Mr. Cooper. 

It's unacceptable that I'm making my payments in full and on time, yet still getting penalized by Mr. Cooper. 

This is, by far, the worst experience I've ever had with a mortgage company.
Product: Debt collection

" As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt XXXX, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5- -1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX  of Debt XXXX and would like for all listed accounts to be blocked and deleted company information XXXX. Please delete the following account
Product: Credit reporting or other personal consumer reports

There has been quite the coorespondence for this matter. Please refer to the XXXX  Complaint XXXX. If there is a way I can forward the files to you please let me know. Thanks
Product: Vehicle loan or lease

I purchased the vehicle through XXXX XXXX XXXX and the loan was financed through Bank of America XXXX of XXXX. My first payment was in XXXX of XXXX, ( account number XXXX ) and I made my payments by calling in each months since I purchased the car. They would send me emails confirmation so I was happy with that. I became lackadaisical and did not check that I was receiving the confirmation of all payments not knowing this repossession would happen to me. So XXXX XXXX I woke up getting to leave for work when I noticed my car was nowhere in sight. I immediately called the police to report that my car was stolen as I was unaware that Bank of America repossessed my vehicle. I later found out by the police detective that the car was repossessed. I immediately call the bank because I did not receive a call or notice to repossess or even a letter stating my account was delinquent. I call the Bank to inquire what was going on. I was first told that I was behind by {$2700.00} I immediately said to the representative I will pay it right away and try to figure out where this discrepancies is coming from as I have been making my payments over the phone with a live representative each month. The representative then said you have to pay {$30000.00} if you want to get the car back. I was upset as she would reinstate the loan or attempt to work with me. To this day I dont know where the car is to retrieve my personal belongings. I have been calling other banks to try to refinance the balance but no success as each bank are stating that the balance is 185 % more than what the car is worth. The car is a XXXX XXXX XXXX with XXXX miles. I have contacted my bank to get a record of all my payments as well as requested a payment history from Bank of America. The information has not arrived yet. Bank of America told me that they plan on selling my car by XX/XX/XXXX. I truly hope and pray that your organization may assist me in this matter. Also I am currently in bankruptcy. My name is XXXX XXXX and I can be reached at XXXX or XXXX
Product: Student loan

The student loans that are listed on my credit report for MOHELA are reporting missed payments. I have asked the creditor to update the late payments they placed on my credit report and to provide me with, factual documentation that showed I was late. The Creditor, have yet to respond to my request in a timely manner which I mailed a certified letter to them on XX/XX/year>. MOHELA never answered my dispute or provide me with the factual documentation. You ( MOHELA ) are in violation of my consumer rights according to Code 15 U.S 1681a2 ( A ) ( i ) -the Definitions ; rules of construction clearly states 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; now the term person defined by Congress means An individual. ( b ) The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity. So therefore, a LATE-PAYMENT is a TRANSACTIONAL experience between the CONSUMER and CREDITOR. 

There is also a discrepancy among all XXXX credit bureaus which is a violation of my consumer rights. XXXX, XXXX and XXXX all show different late payment dates. All credit reports must match exactly, if not, then you are in violation. According to 15 U.S.C. 1681e " ( 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. 

Note- I am XXXX XXXX XXXX natural person and I am the actual person submitting this dispute and I am not a XXXX party.
Product: Checking or savings account

XXXX frozen my account due to me adding my bank account and my bank issued debit card. They thought it was a fraud. I requested my account to be unfrozen or what steps I should take. They send me information on what I need to do. I sent everything they requested except my debit card statement, due to the fact that my bank dont have statements for debit card transactions. I have proof ( screenshot ) of me chatting with my bank about it and them saying they don't do statement for debit cards.
Product: Credit reporting, credit repair services, or other personal consumer reports

the 2 credit issues are two hospital bills that the hospital it self was too lazy to contact XXXX XXXX  they always sent me all the bills never them, thats who should be contacted not me and it needs to be taken off my credit report.more than 3 years and no one has done anything to fix the problem.
Product: Money transfer, virtual currency, or money service

I thought I was trading with the company and my wallet was connected using the Crypto.com XXXX XXXX. As crypto.com was a legitimate platform I never thought it could be a scam. I informed crypto.com about the scam that occurred and requested their help. They rejected my request stating they have nothing to do with it. 
On XX/XX/2023, I sent my dispute letter to them, and On XXXX XXXX they informed me they have worked under their terms and condition and they can not help me. On XX/XX/XXXX I sent them another challenge letter and requested to look into the matter in more detail. They replied me back with the same response. 

A total amount of XXXX USD has been scammed from me using the Crypto.com XXXX XXXX starting from XX/XX/2023. I traced my transactions and movements of the currencies as well and even submitted the report to Crypto.com
Product: Credit reporting or other personal consumer reports

Comeniity bank is reporting XXXX account for XXXX XXXX opened back in XXXX XXXX. 
One account is open an a good status the second is charged off. After I pulled my credit report and found out.I contacted the credit Bureaus and I file a dispute requesting proof, evidence of why they open XXXX account same day and validation of the debt, I did the claim over the phone and also by mail. 
I did contacted the community bank too, and after customer services pulled my info the told the charge off account was open with a different address they transfer me over to the fraud Department they listen my request and asked me to send a mail to formal start a dispute, I was also contacted to a Collection company who claim to own the account I request the same thing and the only send me a letter asking me to pay the debt, not XXXX has been provide my request. Also if they sold the account to another company why they are reporting to my credit. 
How come XXXX accounts was opened under my name same day and I was only aware about XXXX account, even XXXX XXXX XXXX XXXX confirmed that in their system show I have XXXX account in good stand they are fail to provide any information. 
I am requesting proof of the XXXX credit applications with validation of the debt and any documents relate to those XXXX accounts or they need to delete the second account.
Product: Credit reporting, credit repair services, or other personal consumer reports

In the year XXXX, an XXXX account was added to my credit report, which was open fraudulent because I did not authorize for that account to be open. Somehow when I set up payments for my daughter on two accounts XXXX XXXX and XXXX to be paid out of my checking account the XXXX account became open in XXXX of XXXX without my consent, after setting up payments for my daughter so that she would not have any charge offs on her account. In the year XXXX when my dad worked for XXXX XXXX XXXX my SSN got deleted and my year of birth as well. My daughter SSN became my SSN in the credit bureaus all three. XXXX   XXXX, Transunion, which was brought to XXXX XXXX XXXX XXXX Corporate attention in XXXXXXXX New York in the year of XXXX, which I am no longer there because of this matter, which I left in the year of XXXX. The problem keeps surfacing after 19 years of fighting for my identity and my daughter 's identity, Transunion will not delete this information from my credit report after disputing this over and over.I have also filed a complaint against all credit bureaus with CFPB on all issues that I know of. The incident report number is XXXX. This has destroyed my life as well as my daughter 's life. As we continue to fight for our identities if you go to the XXXX XXXX XXXX XXXX website some have changed the last four digits of my SSN and my daughter 's SSN under free credit score under my block. This has been overwhelming for the past 19 years and I have gotten three letters from XXXX stating they can not find me in their system which has been sent of 2 times with certified confirmation with the USPS post office.I have been fighting this for 19 years and I am tired of sending documents after documents to prove my identity and my daughter 's she was only 3 years old at the time when all of this occurred.
Product: Credit card or prepaid card

I recently flew on XXXX XXXX and they were offering a special on the AAdvantage Aviator Mastercard that included XXXX airline miles and waiving of the {$95.00} annual fee for the first year. 

I took the brochure from the flight attendant but didn't want to complete the application ( including my social security number ) and hand it back to the flight attendant so I went online at home and processed my application on their website which showed the same offer. The offer did not require the application to be completed on the plane and I confirmed that with the flight attendant. 

I received my card in the mail today and gained online access to my account. It immediately showed an annual fee of {$99.00} ( higher than the {$95.00} advertised ). I called Barclays to request removal of the fee ( per the offer I was given ) and they told me that I was not eligible to have the fee waived since I had not returned my application to the flight attendant. 

I explained that I was concerned about identify theft and didn't feel comfortable sharing a document with my social security number with the flight attendant and was told that was the only way to receive the offer. 

To summarize, Barclays AAdvantage Aviator Mastercard 's offer to waive the ( now increased ) {$99.00} annual fee is only available if you are willing to share a document with all your personal information with a flight attendant on an XXXX XXXX flight.