23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Around XXXX of XXXX an account showed up on m credit report for {$550.00} for a company I XXXX Systems ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX claiming to be collecting for T-mobile I disputed it with the credit XXXX Credit Bureau it was investigated and removed but in XXXX of XXXX this account showed up again. I disputed the account once again and called my phone company T- Mobile with whom I still have an 18 year phone account with an they have no record this account, and they could not help me. I have a disputed with XXXX and I tried to upload my phone bill but XXXX is having trouble with their uploading system, I will keep trying. I don't owe this money and someone is clearly using my information, I ask if you could help please resolve this dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

hard inquiries I did not approve this Equifax XXXX XXXX Inquiry from XX/XX/2017 XXXX ss
Product: Credit card

I rented a car from XXXX Car Rental at XXXX airport on XX/XX/23 and returned it on XX/XX/23 per the agreement. This was an XXXX with a charge of 70 % when delivered to me and 82 % when returned. Based on negligence or fraud, XXXX claimed it was returned with a 50 % charge and increased the amount submitted to Chase, the servicing institution for my XXXX XXXX XXXX branded card. I attempted to submit a dispute for the {$35.00} overcharge and was advised that Chase does not involve themselves in this sort of dispute. What I would appreciate from you is a determination whether this meets the bank 's obligation under existing law. I can not see how an improper fuel ( electricity ) levy differs from any other and why the submitting company ( XXXX ) is not required to prove this is a valid charge, which it is not.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent TransUnion,   XXXX   and  XXXX  each a letter stating my current most updated personal information and that all other information is not accurate. In return either non of the information is updated or partial of the information is updated and other random information such as my social security number was deleted.      XXXX / XXXX /   17 Mailed Address, Name, Work, Phone Number Information update. As of Mid   XXXX , only partial information was updated but old information was still being reported.   XXXX  Delete all other irrelevant information per my letter and only report the current updated information.
Product: Debt collection

US DEPARTMENT OF EDUCATION Subject : Dispute of Incorrect Collection on My Credit Report Dear Sir/Madam , I am writing to formally dispute an entry on my credit report regarding a collection account that I do not recognize. The account in question is listed as a debt for a Pell Grant in the amount of XXXX dollars, which I have no knowledge of or have never been notified about. As per my records, I have never applied for, received, or had any outstanding balance related to a Pell Grant.

I take pride in maintaining an excellent credit history, and I have consistently paid all of my obligations on time. Therefore, I am concerned that this collection account may be an error or result from a misunderstanding. I kindly request that you investigate this issue and remove the erroneous collection from my credit report. 
To assist in your investigation, I am requesting the following : 1. Proof that I am the individual responsible for this debt.

2. Documentation regarding the origin of this collection, including any notices or correspondence sent to me. 
Please provide me with a written response outlining the outcome of your investigation. If this debt is indeed an error or the result of fraudulent activity, I respectfully request that it be removed from my credit report as soon as possible. 
Thank you for your prompt attention to this matter. I look forward to your timely resolution.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I recently received a copy of my credit report and I noticed some accounts on my consumer report that should not be on there. 
This agency is in violation of 15 USC 1681i. 
( XXXX ) Notice of results of reinvestigation In general A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than XXXX business days after the completion of the reinvestigation, by mail or, if authorized by the consumer for that purpose, by other means available to the agency. 

They were to notify me of this in writing XXXX days prior, I was not notified. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The reporting of these account ( XXXX ) is/are violations of 15 USC 1681 , and the Fair Credit Reporting Act [ 15 USC 1681 XXXX a ) ( XXXX ) ( B ) ] : ( XXXX ) Exclusions.Except as provided in paragraph ( XXXX ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; So let me explain. Under the Truth in Lending Act 15 USC 1602 ( g ), credit card is defined as the following : The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. 
This makes your social security card, drivers license/ID, and license plate credit cards that are/were used or the extension of credit. 
So, with that being said, with great power comes great responsibilities. It's really up to you how you want to use this information. 
Best regards, XXXX XXXX
Product: Checking or savings account

On XX/XX/2020, I was frauded out of about {$14.00} dollars from my savings and checking account. I received a telephone call from XXXX XXXX, telling me that I was over paying for the membership and they wanted to reimburse me. I gave them banking information to receive the funds and some how they supposedly deposited about {$11.00} into my account.I was duped into getting cash cards and even wired the money to their back being honest in giving the funds back. The whole time, they were cleaning out my account. They told me that they took my money and needed {$5.00} to get my money back, of which I didn't have. I immediately called my bank, Navy Federal Credit Union. I explain the circumstance, sent them documentation of the wire transfer, and gift card transactions. I changed my password, closed all accounts and created new accounts, and new debit card. There were two fraud claims created. Debit card and wire fraud. Yesterday, I received a call from the bank, telling me that all claims were denied, because I allowed access to my accounts. I was only trying to do the right thing not knowing that I was being frauded. My mortgage, auto payment and other bill money was also taken from. I sincerely hope that you can help me get my money back. This was my life 's savings. I'm a Retired XXXX XXXX XXXX, who protected our country, now I need someone to protect and help me out. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Act XXXX XXXX XXXX XXXX XXXX XXXX Acct 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 an account without my written instructions.
Product: Credit reporting or other personal consumer reports

I settled my debt on my papal cash back XXXX in XXXX XXXX XXXX. I called them in XXXX to ask why they keep reporting late payments, and the supervisor told me it will be updated within 30 days. I told her its been over 30 days. The last payment was made in XXXX. I also told her that XXXX and XXXX need to be corrected because the account was settled on in XXXX and should have been closed after that settlement. Per the agreement, they promised to update the account to settled and paid. I disputed it with XXXX and the dispute got updated to now show a late payment in XXXX! Ive settled on other debts and it doesnt take almost 3 months to update. They are acting malicious at this point and sending information to the credit bureaus that isnt accurate. Ive even called them and theyre aware Ive paid the settlement in full. And theyre still choosing not to update it. I was even told by a customer service supervisor that she will put in a note to get it updated with the credit bureaus, and nothing came of that. all disputing it did was cause more harm to my credit score. This company needs to be looked into because what theyre doing is questionable. This harms peoples day to day livelihood. I filed a complaint against them already once and they have not answered that CFPB complaint so far. This is Exactly why people dont pay back debts because it doesnt help them in anyway apparantly. I was trying to do the right thing and pay back debt that we only incurred because of financial hardship that happened last summer. We arent bad people. We lost {$88000.00} On our House that wasnt selling while paying on another house. But I feel like Im being treated like a peasant and with disrespect. Instead of ignoring them, I called them to pay it back and I did what I said I was going to do. They need to stick to the agreement!!!! Stop reporting it as late!!!
Product: Money transfer, virtual currency, or money service

I saw an ad on a trusted website ( XXXX ) looking to adopt a puppy, I applied for one and the owner contacted me the next day. The original price was {$75.00} and the puppy was a female, but when I talked to the owner he changed the price to {$120.00} and that the puppy was male. I told the owner that I didn't want to pay until I saw the puppy in person but we came to the agreement that I would pay {$50.00} upfront and the rest when I met him and the puppy. Over time he tricked me into paying another {$50.00} to the vet that was his neighbor. I talked to the vet for a while and they sounded similar and typed in a similar way, and he asked me to pay {$25.00} for his ride which was never part of the agreement. In total I ended up paying {$120.00} and when it came time to meet the puppy and the vet at the chosen meeting spot he never showed up and denied ever getting the last payment. I talked to my bank and they said that he did ( I paid through Zelle on the XXXX XXXX app ), he kept saying that I never did pay and that I needed to send another {$25.00} dollars. I told him that I wanted all my money back. Later that night he tried to call me and asked for another {$50.00} via XXXX. I have all the screenshots, I added them below.
Product: Debt collection

I have never received any notification of debt from the collection agency. I found out about the debt when I check my credit report. I disputed the collection with XXXX but it was not removed.
Product: Credit card

I have been trying to resolve a dispute ( XXXX ) with a merchant through Goldman Sachs since XXXX of XXXX. This is the second dispute that I have done with them in which there are clear reasons to win my dispute. The most important - non receipt of the merchandise or a return of the merchandise. I've sent in the same paperwork - including the receipt of return over and over again. 

The first dispute I gave up on due to frustration and an increase in my XXXX XXXX. That was for {$100.00} and I never received my delivery. I sent proof from my postmaster general that this was not delivered to me. I was told that I lost this dispute. 

The next dispute and the topic of this inquiry is for {$600.00} and I will not let it go. I purchased a purse that was not only misrepresented in terms of authenticity, it was a different color. I submitted evidence of both. The seller threatened that I was attempting to steal her bag and that she would hire a lawyer if I did not return. This correspondence came through my dispute process. I returned the item. Presented return receipts. The seller has had the item since XXXX of XXXX  but Goldman Sachs is still unable to 'win ' this dispute. 

My reasoning for contacting you is 1. I have asked to speak with managers/ supervisors at Goldman Sachs to no avail. They won't call. They send me on a loop with account representatives that state they can't do anything more than submit the same dispute. I am intentionally being blocked from a higher level of support 2. I do not have this item and need help resolving this so that I can cancel my Apple Card ( managed by Goldman Sachs. ) I am terrified to use my card, so I don't. I am sure that I have a billing dispute they will never win it 3. I was told by a representative that this is a standard practice for this card and she has seen disputes go on for years. I do not want to be in this for years nor do I want to pay for something that I don't have - yet again- with this bank. 

Should you not be able to assist me I plan to take legal action against Goldman Sachs/ Apple Card XXXX
Product: Mortgage

I am trying to remove PMI from my conventional loan. I have contacted the Servicer and they said that it would cost XXXX dollars to have an appraisal done. This seemed excessive and sure enough, I read on thXXXX XXXX XXXX site ( F-1-02 : " Servicing Guide '' ) That " The borrower must be charged the cost of the BPO or appraisal based on the following table ... ''. This stipulates that the servicer " Must '' follow this table and only charge me {$150.00} to have my property 's value appraised.

Because of the exorbitant amount Cornerstone Home Lending ( CHL ) wanted to charge me I held off on the appraisal because I considered it a poor financial decision at the time. After I found this appraisal cost information I contacted CHL to clarify the cost so that I could have the appraisal done and the PMI removed. It took nearly 1 week to get a response at which point they said the following in an email : " Please be advised that your loan servicing will be transferring to your new servicer on XX/XX/XXXX. Due to your upcoming transfer, we may not be able to complete any further actions on your loan to pursue PMI removal. We apologize for the inconvenience ; however, you may request PMI removal with your new servicer after the transfer is complete. '' I inquired further trying to figure out more information about this sudden change. Why didn't I receive any information about this? Why am I receiving this information in the same email string about removing PMI instead of through an official notice? Why am I being told about this 1 week before it's slated to happen? I contacted CFPB to find out what my rights were as a homeowner and found out that at the very least my lender is required to give me notice 15 days before any changes happen, this never occurred ...

I would have removed my PMI inXX/XX/XXXX( saving me ~7 months of PMI payments )
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. This complaint is a formal notice that you have failed to resolve my dispute or contact me within 30 days of receiving my previous letter. One of the rights under the Fair Credit Reporting Act states a Credit reporting agency MUST update or delete inaccurate information. You have had thirty days to investigate this claim. Under the FCRA my dispute MUST be resolved in thirty days. 

XXXX XXXX Date Opened:XXXX Balance : $ XXXX Date XX/XX/XXXX, XXXX XXXX Date OpenedXX/XX/2022Balance : $ XXXX Late Dates XXXXXX/XX/XXXX XXXX Balance : {$78.00} Date Opened : XXXX Open Late Date XX/XX/XXXX
Product: Debt collection

The company did not address the illegal Actions. That they did they illegal sued me and not letting me talk to anyone including there own Attorneys. Is braking ny state laws I will be going to the Attorney general 's office and also counter suing for XXXX XXXX dollars. Breaking the law by not talking to me about the situation. Allowing me to know who they are, what they are, and allowing me to see if I owed the money and to see if I can make the payments to them. New York State law state state. Anyone claiming to try to collect a debt can not refuse to talk 2. Did person that they are trying to Claim the debt from. This is a formal letter and statement to all parties involved, including the attorney that they have obtained that I will be taking them to court and suing all parties involved for breaking the law. Not only breaking the law by not talking to me, but breaking the law. Because you were supposed to Sue me within 3 years, and it was after the 3 years when the lawsuit was put in New york state says you have up 3 years. I will be suing for XXXX because I'm not looking to be come rich. I'm looking to make sure people don't keep on breaking the law. Now we'll win because I have all the proof that you guys all broke the law and still in charge me more. Not only that, the original lawsuit add only one credit Amount on it, and I somehow was able to get a second amount put on there after already put in. That's illegal. You can't at Sue twice, then if you're not going to Sue the first time for all, you can not just change the amount on a lawsuit you have to include all stuff when you put in your lawsuit. That was breaking a lot too. You can't just add money to a lawsuit. The lawsuit is already set in stone once you fill out the paperwork and hand it in, so therefore your attorney had to put in for a new lawsuit and it would be a separate suite , not the same. It did not address what I actually already wrote to you guys so I will see you in XXXX supreme court, because the court here is breaking the law by now allowing me to talk to anybody there and and tell me who signed off on your False Lawsuit and your attorneys refused to talk to me so I can even tempt to make contact to know What this lawsuit was about who is for where you guys got this information, and not only that, I don't owe anybody, that's on this lawsuit, anything I only oh, according to you, the original Creditor which means I don ' owe Midland credit anything or there attorney Because I don't owe them.I owe the original Creditor they Can sue me if they want to not my fault That you buy Debt illegally and sue illegal. If any money comes out of my bank account or my check at all, I'll be suing for interest on top of that as well, because I don't owe you a XXXX dime.Since nobody can talk to me about this and sue after the XXXX year mark, I will see you guys in court.
Product: Credit reporting, credit repair services, or other personal consumer reports

I just reviewed my credit report because i received an alert staying that my personal information my have been part of the Equifax data breach
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act Convergent Account, Capital One, 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 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: Credit reporting, credit repair services, or other personal consumer reports

Dear Cfpb I have Tried to Remove This Incorrect Public Record Bankruptcy From My Credit Report in The Credit Bureaus Fail To Remove This From My Credit File, This Had Been Hurting My Credit, Can not get home or get any lines of credit because of this matter, Credit Bureaus had Broke FRCA Laws, So I'm Here Today With Date and Tracking Number and Paperwork From Court Saying They don't give my information to other 3rd party or No Party at all, Plus I Freeze All 3rd Party Credit Bureaus ( XXXX XXXX ) any many more .So I Have Send You Court House Letter and Tracking Number to All The Dispute I Have Send in To Credit Bureaus ..Please Hit me Back Thank You First Round Dispute Equifax XXXX XXXX XXXX XXXX   XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

For open account that has invalid late payments should be updated in my credit profile report as paid on time. 
Under 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor. ( 5 ) A computation error or similar error of the accounting nature of the creditor on a statement.

Under 15 U.S. Code 1681e ( b ) ( 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.

For Open Account Invalid Latepayment XXXX. XXXX XXXX XXXXXXXX XXXX XXXXXXXX
Product: Mortgage

Please help there is fraud going on with Mr. Cooper Loans in XXXX, MI XXXX. They are trying to raise our Mortgage almost {$800.00} overnight. This is FRAUD! You have no right to come near the food that I put in my families mouth you scum bag gangster bankers. Mind your own business or pay of my home in full and drop my identity after. Turn yourself in for fraud who ever did it, you'll want to ensure that this never happens to another USA human being. We were sold by XXXX XXXX to this company. We called XXXXXXXX XXXX  from XXXX XXXX XXXX. XXXXXXXX XXXX XXXX XXXXXXXX, CA XXXX. I said victim of crime and took no responsibility for a criminal designed credit score. I only claim responsibility under the whole truth, I represent truthfully a perfect credit with no debt/no missed bill payments represented by USA FBI direction to open XXXX XXXX XXXXXXXX XXXX XXXX XXXX and to copy the Attorney General of California now to my home State Michigan. I keep getting charged for a criminal credit using my identity, police case stale was reported. Yet they continue to get rid of me and penalize me for an untruthful low credit that I did not design after the year XXXX. My whole case was not represented legally until year XXXX or late XXXX year until heroic Lawyer simply followed USA law for the first time. XXXX XXXX XXXX. of XXXX, MI XXXX and XXXX XXXX XXXX XXXX XXXX, MI represents my cases in full and my missing daughter that was abducted by criminals.
Product: Credit reporting or other personal consumer reports

After reviewing my credit report, I discovered accounts that I did not recognize or apply for. 

Upon further investigation, I realized that my personal Information was exposed in several data breaches as well. I have no recollection of applying for any of the accounts in question, and they are negatively impacting my credit. 



Accounts in question : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/year> XXXX XXXX XXXX XXXX  XX/XX/year> Per section 15 USC 1681 c-2, any fraudulent accounts that I did not authorize or signed a contract for must be removed off my credit report in 4 days! 



These fraudulent accounts are not only damaging my credit but also causing me significant stress and anxiety. I have no connection to these accounts and urgently request their immediate removal to prevent any further harm to my financial well-being.