23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

We were leasing an apartment at XXXX XXXX XXXX. Upon move out we received our final statement via email and noticed a charge of {$300.00} for cable boxes they accused us of removing after we moved out. I responded to the email and explained our apartment never had cable boxes and we would not pay the {$300.00} for for them. This was all communicated through email. This was in XXXX. I never received any response from them after disputing this charge. I was waiting to hear back from them or receive any official bill in the mail ( I provided them with my new address, email and they had my phone number ). Fast forward to XXXX XXXX when I received a letter from National Credit Systems ( a collection agency ) saying I " have failed to make suitable arrangement concerning the referenced obligation of {$800.00}. '' I immediately called National Credit Systems and explained I had never even received a final bill from XXXX and we had never finished our conversation regarding the disputed amount of {$300.00}. I told National Credit Systems this was not a valid debt. We disputed all charges from you and we told them to send the debt back to XXXX. They sent a settlement amount back to XXXX for {$500.00}, which XXXX agreed to, and NCS still posted the debt to the credit bureaus. I will pay the {$500.00} and I would have paid this amount to XXXX immediatly if they would have continued to work with me. Now I have a negative collection account on my credit and the National Credit System will not send this account back to XXXX and delete this accusation on the credit report. I want to pay XXXX for the corrected amount, but XXXX will not take my payment and says I have to pay National Credit Systems. I do n't want to pay them because that makes it look like it was a valid debt. Again I reached out to the apartments trying to work out my closing bill. I never got any response from them or any final bill after discussion about the invalid {$300.00} charge. Instead I received a letter 5 months later from a collection agency saying they had posted the unpaid debt to my credit. I have checked to verify and it is currently on my credit report. I am in the process of buying a home and this mess could prevent me from financing for a new home. Please help!! I feel like both companies have been unprofessional and unreasonable. XXXX validated their charges were inaccurate by immediately correcting the amount down to {$500.00} once disputed.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX & XXXXXXXX XXXX # XXXX have 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Debt collection

I was charged by XXXX  XXXX and I have never lived in Ohio and the address that I seen that bill was not mine. I previously was a victim of identity theft and filed through the IRS years before this that happened I thought my identity was safe but I guess not someone is still using my information.
Product: Credit reporting or other personal consumer reports

XXXX is reporting a wrong address to my credit. The wrong address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent inquiries in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXXwww.ftc.gov to file a identity theft report and Per FCRA section 605b Credit Reporting Agencies are required to remove and block any inquiries listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of inquiries which do not belong to me or were opened without my permission : XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX EQUIFAX : XXXX XX/XX/XXXX XXXX : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt.
Product: Payday loan, title loan, or personal loan

Wilshire Consumer appraised the value of my vehicle over and above the NADA guidelines according to the condition of my vehicle. The vehicle is a rough trade in according to NADA 's guide value report. That value is {$1200.00}. So far I have made 6 payments on the vehicle and no principal has been credited as agreed. the vehicle was appraised at {$2500.00}, {$1200.00} more than it's true value. I am requesting that the vehicle title loan be cancelled at a {$0.00} balance. XXXX | XXXX XXXX XXXX XXXX XXXX XXXX Transaction Type Transaction Date Amount Balance + Payment - Other XX/XX/XXXX {$150.00} {$2400.00} + Payment - Other XX/XX/XXXX {$100.00} {$2400.00} + Payment - Other XX/XX/XXXX {$250.00} {$2400.00} + Payment - Other XX/XX/XXXX {$250.00} {$2400.00} + Payment - Other XX/XX/XXXX {$250.00} {$2400.00} + Payment - Other XX/XX/XXXX {$250.00} {$2400.00} I found three complaints regarding Wilshire Consumer Credit : Search results Westlake Services , LLC, d/b/a Westlake Financial Services. LLC, and Wilshire Consumer Credit, LLC, d/b/a as Wilshire Commercial Capital , LLC | Consumer Financial Protection Bureau https : //www.consumerfinance.gov/policy-compliance/enforcement/actions/westlake-services-llc-dba-westlake-financial-services-llc/ Services. LLC, and Wilshire Consumer Credit, LLC, d/b/a as Wilshire Commercial Capital ... Services. LLC, and Wilshire Consumer Credit, LLC, d/b/a as Wi ...

Westlake Services , LLC, d/b/a Westlake Financial Services. LLC, and Wilshire Consumer Credit, LLC, d/b/a as Wilshire Commercial Capital , LLC | Consumer Financial Protection Bureau https : //www.consumerfinance.gov/administrative-adjudication-proceedings/administrative-adjudication-docket/westlake-services-llc-dba-westlake-financial-services-llc/ Services. LLC, and Wilshire Consumer Credit, LLC, d/b/a as Wilshire Commercial Capital ... Services. LLC, and Wilshire Consumer Credit, LLC, d/b/a as Wi ... 
CFPB XXXX XXXX XXXX XXXX XXXX to Provide Consumers {$44.00} XXXX in Relief for XXXX XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau XXXX : XXXX XXXX Services and Wilshire Consumer Credit XXXX XXXX XXXX XXXX ... Indirect Auto XXXX XXXX XXXX XXXX Consumers {$44.00} XXXX in ...
Product: Credit reporting or other personal consumer reports

I noticed inquiries that I do not recognize and believe to be fraudulent. 

See below : XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 -- -Equifax -- XXXX XXXX - XX/XX/2022
Product: Checking or savings account

Yesterday ( XX/XX/year> ) I got a notification that my checking accounts will be closed in 10 business days. I turned XXXX yesterday and this was all very random. I tried calling Chase to have them explain but all they said is it was the banks decision and provide me with NO information. They also told me for the rest of my life I can not open a checking account with them. This was very inconvenient since I have credit cards with chase and all of my direct deposit is set up with this checking account. None of this makes any sense and I wish someone at least told me why.
Product: Debt collection

I settled a XXXX debt and I am not in distress with another company being sold the difference in the debt. I made a settlement with XXXX XXXX. We settled on a debt for XXXX and I paid {$900.00}. Now I receive an attempt from Southwest Credit Systems for {$240.00}. This is very much predatory and scamming. XXXX shouldnt have settle a debt to sell the other and also given my info to other companies after we have made an arrangement to settle. I sent a letter to say, Dont not share or sell my info to other companies and it was disregarded. XXXX  owes me a settlement for this breach. There is so much fraud in this country that privacy right, requests and wishes should always be upheld 1st. Southwest Credit and XXXX should Cease & desist immediately for now and any future attempts. I wish to remove all my information from their systems forever and never be contacted from either on any attempts due to the predatory harassment shown in this despicable attempt.
Product: Credit card

Items were purchased on a business CitiBank credit card that were never delivered. I am the XXXX for the credit card holder, XXXX XXXX XXXX XXXX.. The original charge was on XX/XX/XXXX for {$47000.00}. The vendor for the purchase was XXXX XXXX XXXX, which subsequent to the purchase, filed for XXXX  XXXX bankruptcy. The anticipated delivery date of the items purchased was XX/XX/XXXX. In XX/XX/XXXX we learned that XXXX was having financial difficulties. We asked that the items we purchased be delivered. They failed to deliver the items as requested. In XX/XX/XXXX we disputed the original charge with CitiBank. They began an investigation of the issue. After several months, on XX/XX/XXXX during a phone conversation with a customer service supervisor, I was informed that CitiBank would not be crediting our account for the amount, stating that our request to dispute the charge was beyond their time limit for filing a dispute despite the unique circumstances of our situation.
Product: Student loan

I am a XXXX who has Perkins loans through ACS ( Account Campus Products and Services ). I have been eligible for and received a 20 % XXXX Cancellation of my Perkins Loans for the past two years. Most recently, I submitted my paperwork to receive 20 % Cancellation of my loan for the XX/XX/XXXX-XX/XX/XXXX school year. On XX/XX/XXXX, I received a letter saying that the dates of hire on my paperwork did not match ; therefore, my request could not be processed. After multiple attempts trying to contact the person whose name appeared on the letter ( XXXX, Customer Care Senior Assistant ) plus their main contact number ( XXXX ), For months now, I have been unable to contact them regarding this issue. I have called in the morning, afternoon, and late afternoon. I have called on different days of the week. Each and every time, I am put on hold for 30+ minutes and have never once successfully connected to a customer service representative. In addition, I am unable to access their website at www.acs-education.com. I always get a message saying that the page is not working or the server did not respond. As a result, I have absolutely no way to get in touch with anyone about repayment of my Perkins loan. 
At this point, due to this delay, I now have a bill coming due XX/XX/XXXX. Rather than delay further, I have decided to simply resubmit the paperwork. On their paperwork, it asks for a XXXX-digit account number. I have XXXX different account numbers from ACS : one that is XXXX digits, one that is XXXX digits, and another that is XXXX digits. I would like to clarify and determine which one to use. Yet again, their website is not working where I live in XXXX, and now when I call, I am receiving a message saying that " Due to circumstances beyond our control, we are unable to take your call. '' I have tried various other phone numbers and no one seems able to put me in contact with these people.
Product: Mortgage

In reviewing our account information forwarded to XXXX XXXX XXXX, we have discovered numerous discrepancies. In the period between XX/XX/XXXX the date the BOA Claim was filed and XX/XX/XXXX there were 25 MISC POSTINGS made to our account 12 of which were made prior to updating the new mortgage information. 

1. Our HARP Mortgage new principal balance is {$790.00} greater than the BOA Claim. 
2. The Trustee dispersed a total of {$5900.00} to BOA that doesnt appear to be posted to our account. 
3. We made three ( 3 ) payments of {$860.00} XXXX {$2500.00} XXXX which were not applied to our account. 

The undocumented MISC POSTINGS combined with the other discrepancies noted above have resulted in all subsequent interest and principal calculations as well as our escrow account balances being incorrect,. 

Therefore we are respectfully requesting a thorough audit of all the MISC POSTINGS applied to our account between XX/XX/XXXX and XX/XX/XXXX. All postings should be clearly described, identifying the individual amount associated with each description. In addition the three discrepancies noted above must verified and shown they were applied to our account. In the event the audits findings do not agree with the following balances in the system as of XX/XX/XXXX, we will require a month to month posting and calculation of all subsequent payments through the date the mortgage was sold. 

XX/XX/XXXX Principal Balance {$190000.00} XX/XX/XXXX Escrow Balance $ XXXX
Product: Credit reporting

I have a tax lien on my Experian credit report, lien does not appear on any other report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I just contacted Capital One Auto Finance and spoke with representative XXXX ID # XXXX and was then transferred to XXXX # ID RNI regarding inaccurate information being furnished to my credit report. Capital One Auto Finance reported a 30 day late payment for the month of XX/XX/2022 which is incorrect, and also a violation of my federally protected consumer rights. The violations under this consumer credit transaction are clearly present, the LAW states transactions between the consumer, ME ( XXXX XXXX ), and the person, YOU ( Capital One Auto Finance ) making the report is not included on my consumer report. A late payment is transactional history, my HISTORY with your company. Congress clearly states that the reporting of transactions or experiences between the CONSUMER and the PERSON making the report is not included on the consumer reports! YOU HAVE VIOLATED THE FCRA 15 USC 1681a 2Ai by reporting this transaction or experience on my consumer report which CONGRESS clearly states IS NOT included on my consumer reports. I also asked XXXX if he knew what the definition of finance charge was and he stated he could not give me legal advise. I am unsure how that question constituted as giving legal advise. I explained to XXXX that the definition of finance charge is the SUM of all charges, so how could I be late if the finance charge is the SUM of all charges? This would constitute as a billing error. I am aware and well informed of my consumer rights, and I understand that the accounts receivable are due to investors and that I gave securities during this transaction and the interest and proceeds which have accrued on the account should of paid for the transaction otherwise there has been no valuable consideration given. I am aware that my SSN belongs to the Social Security Administration and anything purchased with that identifying number is an obligation of the United States in accordance with 18 USC 8.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has sent me documents in the mail in previous months pertaining to a fraud auto policy allegedly in my name. I called the company several times and informed them that the account does not belong to me. I have never had any accounts/policies with XXXX. I demanded removal from their systems as I didn't have any idea how they gained access to my address and personal information. I was told that my information would be removed. However, it appears that XXXX sold a fake/fraudulent account to Credit Collection Services . This fraudulent collection recently appeared on my credit profiles for XXXX and XXXX. I would like it removed immediately as this is affecting my credit score, personal life. I would also like information on if I can legally sue XXXX and Credit Collection Services for committing this act of fraud. Thank you for your time and help. I look forward to hearing from you soon.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX Arkansas, XXXX Chex Systems, Inc ATTN : Consumer Relations XXXX XXXX XXXX, XXXX  XXXX XXXX, MN XXXX Www.chexsystems.com XXXX To Chexsystems   Dispute Department, I recently received my report and discovered that you are reporting " Unknown Accounts ''. 

As a result of my findings. 

Please Send Me In Full Arrangement ie : " The Agreement and/or Contract with my signature on it that says that this debt is mine or Delete It Immediately. For the following Accounts below : XXXX XXXX  XXXX/CHARGE OFF RTN/ACCT # XXXX XXXX XXXX  XXXX/CHARGE OFF RTN/ACCT # XXXX CASE LAW : Peterson Vs Experian. Richardson v. Equifax Information Services, LLC et al, Cushman Vs TransUnion. All the courts merely said that The Credit Bureaus Can Not pair information from the Creditors and Collectors. They have to do and conduct a reasonable investigation on their own. Which means that ChexSystems just can't use the E-Oscar System because its not considered reasonable. ChexSystems can not just say that we went to the Creditor and/or Collectors and got this information and " they said that its verified '' and " we can say that its verified ''. No!

I'm sure that you are aware that the FCRA, allows damages up to {$1000.00} per each violation.

I am prepared to sue under the FCRA for non-compliance if this matter isn't handled amicably in ( 15 days ).

And send me another credit report.

Thanks!
Product: Credit reporting, credit repair services, or other personal consumer reports

MY PERSONAL INFORMATION HAS BEEN COMPROMISED AND THERE ARE FRAUDULENT ACCOUNT ON MY CREDIT REPORTS XXXX XXXX AND EXPERIAN ARE REPORTING INCORRECT DATA AND ACCOUNTS THAT DO NOT BELONG TO ME AND THERE ARE ALSO 2 ADDRESSES ( XXXX XXXX XXXX XXXX, XXXX XXXX ) & ( XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX ON MY CREDIT REPORT THAT DOES NOT BELONG TO ME WHICH WAS ALSO USED TO OPEN UP FRAUDULENT INSTALLMENT LOAN ACCOUNTS IN MY NAME I HAVE FILED A POLICE REPORT ABOUT THE ACCOUNTS FROM THE FOLLOWING CREDITORS ( XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXUS DEPT OF ED/XXXX  XXXX I HAVE BEEN DISPUTING THIS MATTER SINCE XXXX  AND THE CREDIT BUREAUS ARE NOT RESPONDING IN A TIMELY MANNER AND THEY ARE REPORTING ACCOUNTS THAT DO NOT BELONG TO ME ALONG WITH THE FACT THIS IS HAMPERING ME FROM HAVING GOOD CREDIT ( XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF ED/XXXX XXXX
Product: Credit reporting, credit repair services, 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. 

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: Credit reporting or other personal consumer reports

I am writing to formally dispute unauthorized hard inquiries on my credit report, as provided under the Fair Credit Reporting Act ( FCRA ). These inquiries were neither initiated nor approved by me, and their presence on my report is a clear violation of my rights as a consumer.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. I am not liable for this XXXX XXXX Account. 

Attached is FTC Report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On six different occasions, I have disputed information with EXPERIAN that is not correct. I even sent them the information from the other two reporting agencies showing them that Experian 's info is incorrect and  that I was a victim of identity theft, that I have never been late on my accounts, and that all of these reportednames they have on file ARE NOT ACCURATE!!
Product: Debt collection

I was the victim of identity theft I sent the original creditor all the information. They charged off the debt. Now the collection company refuses to listen after numerous attempts asking for validation. They finally sent me something on XX/XX/XXXX. It was a statement of a bill. Not validation according to the FCRA LAWS i have the right to ask for all this. Including original contract, proof they purchased the debt from original creditor and they have the right to try and collect, payment history to see whats been paid or not been paid they failed to provide all this information. They also are adding another collection on my credit profile from the same company but never sent me a notice for that one they just put in on my credit. Also in violation. I have 30 days to respond never got that opportunity again thats included it police report same company. And again original creditor charged it off
Product: Credit reporting or other personal consumer reports

After reviewing my credit reports I have found that my RIGHTS under the FCRA are being violated. I have the right to have 100 % accuracy with regard to information furnished on my consumer reports. There are NUMEROUS inaccuracies across the bureaus. They are : 1 ) The Date Opened across the bureaus are inconsistent 2 ) The Balance across the bureaus are inconsistent. My understanding is that a Charge-off account SHOULD NOT be reporting balancing. THEY SHOULD BE {$0.00}.

3 ) The Past Due Amounts are bureaus are inconsistent 4 ) The Last Reported dates are inconsistent 5 ) The Date Last Active is inconsistent I have attached documentation down below.

My credit is being severely damaged and my ability to obtain new credit and purchase a new home for my family is made next to impossible.
Product: Credit reporting or other personal consumer reports

They have failed to resolve my concerns. They have failed to communicate with the creditor involved. The credit consulting agencies have failed to provide coherent and consistent reports. All their details were mismatched to XXXX another, not just in XXXX criteria or rows but all other XXXX rows were incoherent, incorrect and misleading.