23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

On XX/XX/year>, I received a call from Roundpoint Mortgage Servicing regarding a missing payment. It was revealed that an increase of {$120.00} had been added to my escrow account, but I did not receive any prior notice of this change. During the call, the representative assured me that " it would be fine if you pay the balance. '' The following month, I was charged a late fee of {$87.00}. I called the company to inquire about how the fee was calculated, and the representative explained that it was based on the overdue amount. She mentioned that her supervisor would follow up with me to explain the details, but I never received that call. 
Given that the overdue amount was {$120.00} and the late fee charged was {$87.00}, this results in an annualized interest rate of XXXX XXXX, which I find excessive and unreasonable. I would like the agency to investigate this potentially unfair and illegal practice.
Product: Payday loan, title loan, personal loan, or advance loan

When I applied for the furniture loan, I signed up for 12 month XXXX interest. I spoke to a Tower Loan representative and she tried to get to to agree to 24 month payment. I specifically said NO and agreed to the 12 month plan. Well I went to pay my first payment and it's setup for 24 month.
Product: Debt collection

In XX/XX/XXXX, Credit Collection Servic was added to my credit report for a past due account which was opened on XX/XX/XXXX claiming to be an outstanding balance from XXXX XXXX of {$420.00}. Four years later, without written knowledge or fair warning, the collection showed up on my credit report. As I was not notified within 30 days by any form of communication that this was an outstanding debt to be paid, this is a violation of the FCRA. I believe that this is either a fraudulent debt that was initiated without my knowledge or consent, or Credit Collection Servic is scamming unknowing individuals to pay an unfair and deceptive debt. I've attempted to dispute the information with the credit bureau and the only thing that was changed was the date on when the collection was due. I believe that Credit Collection Servic is in violation of the FCRA.
Product: Debt collection

This creditor has failed to send me a 1099 c form of validation of debt. Under the FCRA i will seek statutory damages for this creditor that furnishes inaccurate information about a debt, such as incorrectly reporting this is a FCRA Violation : Charge Off showing a balance after your issued a 1099-C. If a creditor issues you a 1099-C that means they discharged the debt and you don't owe that creditor anvmore. So therefore it should reflect on your credit report as {$0.00} balance. it's listed on my credit report as debt but is listed as account receivable for this creditor. which means they are paying taxes on this debt. this a profit and loss for this company. they have failed to deliver me a 1099 c of this debt.
Product: Debt collection

The debt was {$10000.00} and they took daily payments from my register daily. The loan was paid in full. It's been 3 years and I'm still getting harassed. When I try to reach out to them they call my a waste of time and hang up in my face. They put liens on my XXXX tablet and XXXX  hun doing a pandemic knowing small businesses such as my restaurant is struggling right now.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I got my credit pulled through my local credit union for a mortgage pre-approval. We found a fraudulent trade-line that had been opened in my maiden name in XXXX of XXXX from Pay Pal Credit/Synchrony Bank. There is a balance of {$5100.00} with a past due amount of {$1400.00} and 5 months late. This trade-line was closed in XX/XX/XXXX. 

I then contacted XXXX, XXXX, and XXXX  on XX/XX/XXXX to file disputes. Then I contacted PayPal/Synchrony and filed a Dispute with them as well a couple of days later. 

Right now the information we know is : 1 ) The person used my maiden name to open the account in XXXX ( I legally changed my name in XX/XX/XXXX ). 
2 ) The person used an XXXX email address which I do not have. 
3 ) The person used an address I lived at back in XXXX? XXXX? ( I have not lived in that city since XXXX ). 

I received a Fraud Investigation Form from Synchrony Bank on XX/XX/XXXX. I filled it out and faxed it on XX/XX/XXXX. They sent another letter to me XX/XX/XXXX saying the investigation was closed because they did not receive the fax in time. I contacted Synchrony Bank and they re-opened my case ( they said mail was slow due to COVID-19 ). They then suggested also filing a claim with the FTC. When I went to the FTC website it brought me to this website. 

Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi there - I am trying to resolve an issue with TransUnion. Back in XX/XX/XXXX they had a comment of " 39-serious delinquency '' in summary of my account. However, I have zero late payments - ever. and my detail on account by account basis shows that. I recently received a new copy of my report and the same factor appears as adverse impact on my account. However again, no late payments ever on all history. 
I just called TransUnion on XX/XX/XXXX and they deny that they are reporting that. I have a hard copy in front of me from XXXX and it is clear they are in fact saying that. 

I need help. 8 years of trying to rectify this to no avail. I have no debt and perfect payment record. This is absurd. I keep getting their XXXX call center, and no one is interested in making sure they are accurate. They just want to say they are right.
Product: Student loan

Had to fill out a reaffirmation agreement and send it to XXXX  to be processed for my upcoming class. I sent them the form well in advance and they told me 7-10 business days to process. I had to keep calling back several time after the time frame to have it processed. They said they sent it to my school and my school still has not received it. I called and asked to have it emailed to me and they said they would. 3 days later still no email so I called and asked to speak to a manager and the person that got on the phone said she would expedite the email but I have no faith in that. Here it is my class in 4 days in and XXXX does not care about my paperwork. They talk really quick and try and get you off the phone but do not resolve your issues.
Product: Debt collection

On XX/XX/XXXX, a friend of mine ( Recipient ) arranged a shipment and used my home address as the pickup location. She made the shipping order through the company namend " XXXX XXXX XXXX '' and it seemed that order went through XXXX. I was not involved in any of those agreements, payment, or authorization for this shipment. I simply allowed my address to be used as a favor since she was moving from XXXX to XXXX. I don't know that happened exactly after that, but now XXXX, and TSI debt collecting company have since pursued me for the outstanding balance of {$410.00}. 

I sent a debt validation letter and dispute letter to TSI on XX/XX/XXXX and let them know that debt does not belong to me. I also let the recipient know about this happened, but she didn't want to pay for it even though this debt happened because of her. Instead, the recipient sent me email her reciept from the company " XXXX XXXX XXXX ''. So I sent every informations explaining the circumstances to the TSI. 

And I received the reply mail from TSI XX/XX/XXXX that also a phone call thay I still have to pay them because XXXX  invoice said I am the sender and they have my name and address on it. Which makes no sense because I am not the one who made requests or any orders! I just let the reciepient can use my address for favor. 

On XX/XX/XXXX, I contacted XXXX customer service to clarify the issue. The first representative confirmed that I was not responsible, as my name was not on the invoice. However, during a second call on the same day, another representative claimed I was responsible because my name, address, and phone number appeared on the XXXX. In a subsequent call, a third representative acknowledged the confusion and said the matter would be escalated as a potential fraud case (? ). 

Despite these communications, the debt was handed over to a collections agency, Transworld Systems Inc. ( TSI ), which has been sending me collection notices since last XXXX. I took action by sending a Debt Validation Letter and a formal Dispute Letter to TSI on XX/XX/XXXX, asserting that I am not responsible for this debt. 

I am not the party who entered into the shipping agreement or authorized payment, yet I am being pursued for a debt that is not mine. This situation has caused significant stress, and I am really concerned it could impact my credit score. I also feel getting commit a suicide since situation around me is going so messy and really miserable. 

If XXXX and TSI want to solve this matter, I am not the right one. The reciepient XXXX XXXX is the one who has to deal with this with them. I also attached the proof that she sent me email she had processed through the shipping company and also reciepts that she sent me. Please check and really hoping that you can help me out. This is my last hope to release me out of these stresses.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX to 3 Credit Bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX
Product: Credit reporting

I have informed Equifax numerous times via online dispute, fax and certified mail that they are reporting a XXXX account on my credit file as if I am or have previously disputed the account in which is incorrect. The creditor stated that Equifax is responsible for updating their records in a timely manner after information is submitted to them. The only dispute that I have about the account is that it reflects as if I have previously disputed the account. I have requested for the additional information reflecting as " Consumer disputes the account information '' to be deleted from my credit file. The creditor stated that Equifax needs to correct their database because the account is not reflecting as in a dispute status. Also, Equifax is the only credit bureau reporting the account as in a dispute status in which is incorrect. Again, this account has never been in dispute other that the fact that is reflecting as in a dispute status.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX was contacted in XX/XX/2018 after trying to collect on a paid mortgage. My home sold on XX/XX/18. Spoke with XXXX who said they lost the check but did show the home was sold. She would track down the check. Contacted XXXX attorney The XXXX XXXX XXXX who represented them in their erroneous foreclosure filing to see if they could help since they know the foreclosure never happened. Exchanged emails with XXXX XXXX. Never got anywhere. I have now called XXXX 2 times holding over 30 minutes without anyone answering. I am on hold again now. My credit report still shows the mortgage due and $ XXXX in arrears. A title search of the property will show it paid and the condo no longer owned my me.
Product: Credit card or prepaid card

On XX/XX/2023 I had a XXXX XXXX, XXXX XXXX XXXX XXXX and online XXXX XXXX I told her what I was going on with my life which is pretty much that I have told United States Human and Health Services and many other agencies and she did not seem concerned about anything I said. She started asking me questions about my past and I did answer because she had me believing it would better understand my condition During the whole session, she did not have any opinion or insight. Also she never gave me a plan. She did say I did need medication and that my pharmacy will have this afternoon. Will the prescriptions never have showed up at the pharmacy. There is no prescription at my pharmacy. Also, I the next day looking at the online XXXX website and it says my provider with review my information and respond to accordingly This XXXX XXXX said it would be taken care the same day as the appointment we had. I had a paid membership and none of XXXXXXXX XXXX  part of the agreement was fulfilled. I thought to myself I have been lied to yet by another business and even another Medical Center. When will this nightmare ever end? I made an debit card dispute with Bank of America and the funds reversed back into my Bank of America Credit Card a week later. Now as of XX/XX/2023 there is a charge back to XXXX of {$95.00}. I do not think XXXX should be so unethical and keep this money
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 U.S.C 1681 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 602A states I have the right to privacy 15 U.S.C 1681 section 604A 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 or information. Any other adverse item of information, other than records of convictions of crimes which anedates 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: Debt collection

This account is misleading.. false reporting, I have sent two rounds of disputes ( XXXX XXXX, & XXXX ). The date open & reported is incorrect as well as the date of last activity. My credit report contains inaccurate information, and I am seeking litigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to correct this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT XXXX, and I'm including it again. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Recently, I pulled my credit reports because I want to apply for a mortgage loan. In doing so, I noticed that I have a number of unauthorized accounts listed on my reports. Not only are these accounts unauthorized, but they are inaccurate, incomplete and unverified. I did not give consent to the reporting of these unauthorized accounts and need these accounts removed immediately because they violate my consumer rights and ruin my reputation with the banking system. I don't have any contracts with these creditors that listed these unauthorized items on my reports. THIS IS UNFAIR AND INACCURATE. I need a new home for my family and the inaccurate items on my inaccurate consumer reports is unfair and will ruin my chances at getting a home for my family. I MAILED LETTERS TO XXXX, EQUIFAX, AND XXXX ON XXXX XXXX AND HAVE YET TO HEAR FROM THEM. IT IS NOW XXXX XXXX WHICH IS LONGER THAN 30 DAYS. YOU MUST DELETE AND REMOVE THE DISPUTED ITEMS IMMEDIATELY!!!! THIS IS INDEED SUBMITTED BY MYSELF AND NOT DONE IN ERROR OR A MATERIAL MISREPRESENTATION
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX I requested that the ( Chapter XXXX Bankruptcy Acct # XXXX ) be removed due to non-verification that this account belongs to me. Per FCRA section 609 ( a ) 2 the credit bureau is obligated by law to disclose to me the source they are claiming to have verified that this account belongs to me. FCRA states that the furnisher of the debt is the only person or entity that can verify that the debt belongs to the debtor. In this case that would be the United States Bankruptcy Court XXXX District of Wisconsin. 

I have proof via postal correspondence dated XX/XX/XXXX, from U.S. Bankruptcy Court Clerk, XXXX XXXX XXXX that the court " does not report information to any credit agency. '' Lexis Nexis is required by law to provide me the Business name, address, and phone number of the source they verified this account with. I was not provided that I have only been told that from Lexis Nexis, that they are not held by the same guidelines as Credit Bureaus. Which is untrue due to the fact that the FCRA Acts states that they are held to the same reporting laws as the Credit Bureaus. This does not constitute as a Proper Investigation, I need the name of the business, the address, and the phone number of the person Lexis Nexis verified this information with. Third party credit reporting agency information is not considered the original furnisher of the debt. 

I have submitted proof to Lexis Nexis that the original furnisher of this debt states that it " does not report information to any credit agency. '' Please delete this unverified account immediately. XXXX  was reporting this same account and after receiving the proof of this letter from the U.S. Bankruptcy courts, they deleted the unverified account immediately.
Product: Credit reporting or other personal consumer reports

The following account ( ComentiyBank/XXXX XXXX ) is reporting to XXXX, XXXX and XXXX when it is my understanding an reason to believe that because this debt was charged off by you that is was memorialized with a Form 1099C as proof or evidence thereof. I have a copy B of the 1099-C form proving the debt was accepted by the IRS and discharged and that because of that fact, this debt is cancelled. According to IRS publication 4681 ( 1. ) Canceled debts, When a debt is canceled or forgiven, the amount of the canceled debt is treated as taxable income to the debtor by the IRS. Income can not be reported on consumer credit reports this indicates inaccurate reporting on your behalf and therefore is a violation of the FCRA by you the furnisher to continue to report this inaccurate information. Especially with the actual knowledge, notice and confirmation of the errors. 15 U.S. Code 1681s2 ( A ) ( 1 ) ( A ) states that 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. 
I demand that the account be removed from my credit report completely to avoid any legal recourse or action on behalf of myself by retained counsel.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX
Product: Credit reporting or other personal consumer reports

I mailed certified letters to Experian, XXXX, and XXXX stating that the information that they are reporting is not accurate and the information that they are reporting is error. Like my Name, Address, Late Payments, and Closed accounts, the consumer reporting agencies said that the accounts were accurate. the law says 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate.ALSO 15 U.S Code 1681a ( 5 ) ( A ) ( i ) ( ii ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
Product: Checking or savings account

Claim XXXX This was reversed but I did NOT recieve the product. 

I've submitted a lost package request with XXXX and they have NOT located the package. I am able to provide an entire day 's video footage on the day that was marked as delivered to show ( unedited ) that there was no delivery. 

Reference : Search ID # XXXX  XXXX XXXX XXXX Tracking Number XXXX XXXX XXXX lost package information