23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I was scammed into buying what I thought was a one-year contract for XXXX. After one year my bill went from {$30.00} to XXXX. I told them unless they could put me on a cheaper plan I would have to cancel my service. They did not object, or give me any options, so I called XXXX XXXX and got a lower cost plan from them. I called XXXX and told them I wanted to cancel my service. Then I was told that I could not cancel without a fee to cover my TWO-YEAR contract. When I told them I did not have a two-year contract, they told me I did have one and that I could have gotten a cheaper plan with them.. But it was too late as I had already agreed to a plan from XXXX XXXX. 

Now a collection agency, CBE Group, is trying to collect {$220.00} from me and I ca n't afford to pay them. The letter contains this notice, " Unless you notify this office within thirty days after receiving this notice that you dispute the validity of this debt or any portion there of, this office will assume this debt is valid. If you notify this office in writing within thirty days after receiving this notice, that you dispute the validity of this debt or any portion there of, this office will obtain verification of the debt or obtain a copy of a judgment and mail you a copy of such judgment of verification .... '' I can not pay, and need help.
Product: Credit reporting

XXXX is currently reporting a balance of XXXX on my credit reports. I received XXXX different notice of collection from XXXX different agencies. XXXX sold the account so they need to report a {$0.00} and also tell me who the debt ACTUALLY belongs too. I have attached documentation from each CA and my report still has the balance. They are reporting inaccurate information.. False or misleading representation of debt amount is illegal as well as unfair. If this is not resolved then I risk having XXXX different companies reporting the SAME debt ... the XXXX companies are : XXXX, XXXX XXXX and XXXX XXXX ... These practices are not fair.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, has received my credit card utilization 3 times in the month of XXXX from Capital One and each time has reduced my FICO score significantly. I have no other conclusion but to feel harassed and that Capital One is feeding XXXX with such information. Dates my credit card purchases, payments were reported during XX/XX/2020, are : XXXX, XXXX and XXXX, neither are in line with my billing cycle and both companies blame the other. 

In addition, XXXX has reported a 120 day late payment on an US Dept. Of Education loan as being 120 days late during the pandemic, reported from XX/XX/2020, when currently are payments to student loans are suspended and interest rate is at 0 %. why did it take them until XX/XX/2020, coincidentally when I started to try to repair my credit to report a 6 month old payment. 

Lastly, There are two accounts that I asked be VERIFIED, XXXX and an collection account in the amount of {$670.00}. Not only will they not provide information to validate these accounts to me directly, they keep reporting such information as accurate. Validation requires XXXX to provide my signature on documents that show my agreement to pay both companies, when the account was sold to collection, the date, amount it was sold for and proof that I owe said company. XXXX failed to validate both accounts in 30 days.Validating both accounts and removing them would increase my FICO score significantly and their failure to do so, would explain their reluctance. Also, they changed dates on both of thee accounts, so that they remain on my credit report longer. XXXX recently changed dates to XX/XX/2020, these dates enable them to keep negative items on your report longer than 7 years.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have am looking into my credit report and I found a few errors with addresses on my file that are not mine, it is possible that they belong to a family member or a Ex spouse.My name is XXXX XXXX please remove any different names from my report they are not accurate. My address is XXXX XXXX XXXX XXXX OH XXXX. My DOB is XXXX my SS # XXXX. The following addresses are NOT accurate please delete/remove : XXXX XXXX XXXX, XXXX, OH XXXX XXXX STATE ROUTE XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX SR XXXX, XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX RT XXXX XXXX STATE, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXXXXXX XXXX on XX/XX/XXXX under the account number XXXX with a balance of {$20000.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit card or prepaid card

The Home Depot Consumer credit card sends me a flagellant bill and when I reject to pay, each month adds interest rate and sends me much larger bill. On XX/XX/XXXX I call to customer service in regards of my Home depot credit card. I payed all the bills required and asked them to close all my accounts. I was insured that I payed everything and my accounts are closed. Later, Home depot consumer credit card of City Bank started to send me bills with large amount of money increasing every month. I called them many times and verified that I have nothing to pay since I payed my bills on XX/XX/XXXX. They sent me a later telling that them by mistake sent some amount of money to my XXXX  XXXX XXXX account and I have to send that money back. I vitrified with XXXX  XXXX XXXX that nothing was deposited from Home Depot consumer credit card of City Bank.

I asked the City Bank to remove charges from me because I do not responsible for somebodies mistake and I was overcharged. However I still receive larger and larger bills and the also affect my credit score. I'm legally XXXX and XXXX. Please help me to resolve this problem
Product: Credit card or prepaid card

CAPITAL ONE BANK USA NA Someone used my name to get a card and made payments. I need help to remove this. Im hurt bad Payment History Youve made 89 % of payments for this account on time. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Last payment XX/XX/XXXX Current Payment Status 120-149 Days Late Amount past due {$770.00} Worst Payment Status 120-149 Days Late Account Details Account status Open Type Credit Card Responsibility Individual Remarks Dispute resolved ; reported by grantor Worst payment status 120-149 Days Late Times 30/60/90 days late XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Equifax XXXX XXXX XXXX XXXX XXXX XXXX Subject : Request for Investigation and Account Deletion Under the FCRA Dear Sir or Madam, I am writing to you regarding the account [ XXXX ] reported in my credit history. Following a dispute with XXXX, this account has been removed from their report because the information was found to be inaccurate or unverifiable. Attached to this letter is the confirmation of deletion provided by the other credit bureau, further demonstrating that the data provided by the information furnisher does not meet the accuracy standards required under the Fair Credit Reporting Act ( FCRA ). 

During their investigation process, the other credit bureau reviewed the details of the debt and determined that the information could not be verified as accurate. As a result, they removed the account from their records. I expect the same level of diligence and adherence to the FCRA 's requirements in your investigation. 

Pursuant to 15 U.S.C. 1681e ( b ), you are required to maintain reasonable procedures to ensure maximum possible accuracy in the information contained in my report. Since this information has already been removed by another credit bureau, I request that you review this account and remove it from my report to reflect the same level of accuracy.

Furthermore, under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), I demand that you conduct a reasonable and thorough investigation of this dispute. The removal of this account by another credit bureau strongly suggests that this information can not be verified. Additionally, under 15 U.S.C. 1681s-2 ( b ), the information furnisher is obligated to correct or remove inaccurate data across all credit bureaus with which they operate. I request that you contact the information furnisher to confirm that this information should be removed from your files.

Finally, please note that failure to comply with your obligations under the FCRA may result in civil liability under 15 U.S.C. 1681n and 1681o. I look forward to a prompt resolution of this matter and request confirmation of your receipt of this dispute, as well as the removal of this account, within the XXXX timeframe required by law. 

Sincerely, XXXX XXXX XXXX
Product: Debt collection

In XXXX & XXXX I contacted SCA Collection agencies with the request to provide supporting documentation to support their claim. 
In XXXX a complaint uploaded through CFPB - refer to dispute # XXXX-XXXX SCA COLLECTIONS, INC for comments.
Product: Mortgage

My wife and I opened a Home Equity Line of Credit with XXXX  XXXX NA in XX/XX/XXXX. 

In XX/XX/XXXX, XXXX XXXX sold this HELOC to Rushmore Loan Management. 

Now, I am trying to obtain a copy of the Loan Note from either party ( Rushmore Loan Management or XXXX XXXX NA. ) XXXX insisted they faxed me this document on 4 separate occasions and that they also mailed it to me. To date, I have received no faxes nor any mail. Today, they ( XXXX ) told me over the phone that they do not have the loan note and never received a copy of it from XXXX XXXX XXXX. They offered to contact XXXX XXXX and see if they can get a copy. I am starting to think they are purposefully delaying sending the documents in an attempt to keep me from refinancing. 

XXXX XXXX offers no help whatsoever, only a PO Box that you can write to. Their customer service centers have no information about the loan, nor do they provide any suggestions, other than writing a PO Box in  XXXX, Minnesota. 

I have been working on collecting this information for 3 weeks and have been continually told by XXXX that they had the info and were faxing it over. Today they've changed their story and said they do not have the document I need.
Product: Money transfer, virtual currency, or money service

Money order was purchased XX/XX/XXXX in XXXX, NY for {$1000.00} I totally forgot about the money order, and I tried to use it XX/XX/XXXX to pay my XXXX XXXX XXXX XXXX The money order was returned to XXXX XXXX XXXX - I didn't realize that the money order loses value after 3 years and that's why it was returned. However, since XXXX XXXX XXXX is such a big company with a huge AR department, they can't find the returned check. 

I've been dealing with Moneygram with 2 years and they are playing games with me till this day. They are able to pull up the money order and see that the money order was never cashed, but still request the original money order. 

Essentially, Moneygram is holding onto my money that is not rightfully theirs, but mine.
Product: Mortgage

My mortgage loan was transferred from the previous lender to Lower. However, when the mortgage transfer occurred, my one-month payment was transferred as part of a bulk amount in XX/XX/2022 and Lower company never did their due diligence to apply that payment to my balance. I provided the Lower with the exact payment amount, tracking numbers, and bulk transfer number in XX/XX/2022. Nothing helped or they are not willing to work. As a result, for a few months, they kept my balance past due and even reported it as a delinquent payment to the credit bureaus. This not only hurt my credit score badly but also Lower has not even tried to fix the error despite the fact that I have contacted them multiple times to inform them of it and provided the bulk number information with transfer dates and amounts.
Product: Debt collection

I have been contacted by Afni repeatedly over the past several weeks. Afni is attempting to collect a debt on behalf of XXXX. Afni uses robo dialers, Afni waits on the phone with long pauses, Afni also refuses to remove my number from their list. I was contacted by Afni on XX/XX/2024 and answered the phone to 30 seconds of no answer. I called Afni back and asked them to remove my phone number from the list. This is the second time i have asked Afni to stop contacting me and asked to have my number removed from their list. Afni refuses to remove my phone number from the list, and Afni continues to contact me using a robodialer.
Product: Credit reporting or other personal consumer reports

I would like you to conduct an investigation for me to make certain that everything is accurate. 
XXXX ) XXXX  XXXX account : XXXX * XXXX ) XXXX  account XXXX XXXX XXXX XXXX  XXXX account XXXX XXXX ) XXXX XXXX account XXXX ******* XXXX ) ** XXXX XXXX XXXX account XXXX XXXX ) XXXX account XXXX This account is not showing maximum possible accuracy according to 15 USC 1681e ( b ), the open date, Date of Last Activity and Date *** Reported is not accurate. And because not accurate with the FAIR CREDIT REPORTING you can not post on my credit report.

*** DELETE 30 Day late from my credit report due to violation of 15 USC 1681s-2 ( F )
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX XXXX, AL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX  XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX  XXXX XXXX, AL XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent in letters asking to verify this debt and I have not received accurate information matching this debt to me. Federal law provides that it is a crime to violate the Rights of a citizen under the color-of-law. You can be arrested for this crime and you can also be held personally liable for civil damages.

Attempting to cause a person to do something by telling that person that such action is required by law, when it is not required by law, may be a felony.

18 USC 242 provides that whoever, under color of any law, statute, ordinance, regulation, or custom, willfully subjects any person in any State, Territory, Commonwealth, Possession, or District to the deprivation of any rights, privileges, or immunities secured or protected by the Constitution or laws of the United States ... shall be fined under this title or imprisoned not more than one year, or both.

18 USC 245 provided that Whoever, whether or not acting under color of law, intimidates or interferes with any person from participating in or enjoying any benefit, service, privilege, program, facility, or activity provided or administered by the United States ; [ or ] applying for or enjoying employment, or any perquisite thereof, by any agency of the United States ; shall be fined under this title, or imprisoned not more than one year, or both.

42 USC 1983 provides that every person who, under color of any statute, ordinance, regulation, custom, or usage, of any State or Territory or the District of Columbia, subjects, or causes to be subjected, any citizen of the United States or other person within the jurisdiction thereof to the deprivation of any rights, privileges, or immunities secured by the Constitution and laws, shall be liable to the party injured in an action at law, suit in equity, or other proper proceeding for redress.
Product: Checking or savings account

Account has been closed for more than 60 days now and i still did not receive my funds and im still getting statements saying my acccount is open when it was closed in XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

It's saying I have a XXXX on XXXX  XXXX cr XXXX in XXXX XXXX and the charge is also incorrect it is a XXXX
Product: Student loan

I am one of the XXXX XXXX people already enrolled in the SAVE plan. My loans should already be in a XXXX-interest forbearance. My conolidation, which I performed at the request of the Biden Administration, should not have changed my SAVE plan enrollment. I am filing a formal complaint with the Consumer Financial Protection Bureau and with my state Attorney General.

The SAVE plan litigation has no doubt caused administrative confusion. But it is Mohela 's job to NOT make mistakes. There are other cases of Mohela messing up this payment pause and sending collection notices to people who are enrolled in SAVE. I am enrolled in SAVE and demand that I be put back on SAVE immediately, with the balance Mohela is requesting for payment XXXX  immediately. By consolidating, I did not give consent to be taken off the SAVE plan. I consolidated because the Federal government requested I do so, so I can be included in the federal plans for loan payment by the government. 

I make an annual income ( before taxes ) of {$24000.00}. I need this balance XXXX, to not be harassed, and to be placed back on the SAVE plan I have been on for years. While I wait for the SAVE litigation to be completed, I should not have the extra burden of an administrative mistake that impacts my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. XXXX XXXX XXXX XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX and ( Original Creditor : ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX, consumer, and natural person, am aware of all rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ). In Accordance to Fair Credit Reporting Act XXXX this accounts bellow have violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 reporting, credit repair services, or other personal consumer reports

{$470.00} XXXX XXXX  Closed Charge_off {$330.00} XXXX not more than XXXX payments past due {$390.00} XXXX XXXX XXXX  Not More Than XXXX Payments past due {$6.00} XXXX XXXX XXXX as agreed XXXX XXXXXXXX XXXX XXXX Closed account Hard Inquiries XX/XX/XXXX Consumer portfolio Services XX/XX/XXXX Global Lending Services XX/XX/XXXX Capital XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX In accordance with the Fair Credit Reporting act 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 a account without my written instructions